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ANZ Access Basic

Affordable and convenient banking for Concession and Health Care card holders.disclaimer

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How to use

Calculators and tools

Understand more


How to apply

Prefer two linked intelligent accounts with no monthly account fees?disclaimer

How you can use ANZ Access Basic

Pay no monthly account service fee. Access your money whenever you need it with unlimited ANZ Transactions. Bank 24/7 with ANZ ATMs, EFTPOS, ANZ Internet Banking, ANZ App and ANZ Phone Banking.

You can request an ANZ Access Visa Debit card to use your own money online, over the phone or overseas where Visa is accepted.disclaimer Alternatively, choose to have an ANZ Access Card. Get paid into your account.

Sign up for ANZ Internet Banking and download the ANZ App.disclaimer Keep track of your spending by setting a daily budget with ANZ Spendi in the ANZ App.

Set up an auto transfer in ANZ Internet Banking to your linked ANZ savings account – like ANZ Progress Saver or ANZ Online Saver.



  • No monthly account service fee

  • ANZ Visa Debit card

    Use it anywhere Visa is accepted.disclaimer Equipped with accessibility features for vision-impaired customers.

  • See daily spending in a glance with ANZ Spendi

    The little purchases all add up. Use the ANZ App to set a daily budget on an account, then ANZ Spendi will show you the daily spending at a glance.

  • ANZ Internet Banking guarantee

  • We will reimburse any unauthorised transactions on your account, provided you didn’t contribute to the loss and you let us know as soon as you discover it.disclaimer More on security

  • Tap and pay

  • Set up mobile payment on your compatible devices with eligible ANZ cards so you can tap and pay.disclaimer

Things to consider

  • No interest earned

    There is currently no interest earned on this account.

  • Add an ANZ Access Visa Debit card to your existing account

    Existing ANZ Access Basic customers can upgrade to an ANZ Access Visa Debit card with payWave.disclaimer If you would like to add an ANZ Access Visa Debit card to your existing account,disclaimer please visit your local ANZ branch or call 1800 008 177 Monday - Friday, 8am-8pm (AEST).

  • How you can optimise your savings

    ANZ Access Basic is great for moving and managing your money. You could optimise your savings by linking it to a savings account, like ANZ Progress Saver, ANZ Online Saver, or both.

Take care of the day to day with the ANZ App

Join over three million users who are using the app to get on top of their money. You can see more information about your purchases, make payments in as little as 60 seconds with PayID®disclaimer, temporarily block and unblock your card, and so much more. Find out more

Download the app now.


How to apply

You don’t need to be an ANZ customer to open an ANZ Access Basic account.


To apply you will need to:

  • Be an Australian resident, with an Australian address
  • Come in to branch with accepted ID or be an existing ANZ customer
  • Hold an eligible Concession or Health Care card


Eligible Concession and Health Care cards include:

  • Seniors Concession card
  • Pensioner Concession card
  • Centrelink Health Care card
  • Repatriation Health card (Department of Veterans' Affairs)

Visit a branch near you

Locate us

Call us

1800 008 177

Mon-Fri, 8am to 8pm (AEST)

Understand more

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app.

It comes with an ANZ Plus transaction account and a multi-goal ANZ Save account, and a new-look ANZ Plus Visa Debit Card.

The ANZ Plus app has a range of features to provide more visibility and control of your money and spending.

You can only access ANZ Plus in the ANZ Plus app. You can't access other ANZ accounts in the ANZ Plus app.

Other ANZ bank accounts can be accessed through the ANZ app or Internet Banking, ANZ branches and over the phone.

Find out more about ANZ Plus at

Register for ANZ Internet or Phone Banking:

  1. Call 13 33 50 and get a Customer Registration Number (CRN) and Telecode.
  2. Follow the SMS prompts to change your auto-generated Telecode to a Telecode number of your choice, between four and seven digits.
  3. Register online for ANZ Internet Banking using your CRN and Telecode.

Start banking on the go:

  1. Download the ANZ App on your compatible Android device or iPhone.
  2. Enter your Internet Banking login details and your mobile number, and create a 4-digit secure PIN. Then confirm and complete your registration by entering the code sent to you via SMS.

Switch your everyday banking, debit and credit cards to ANZ in three steps. Learn more

BSB stands for bank, state and branch number. It identifies the bank, branch and state that you opened your account in.

Your account number is the identification number associated with your account. Every account has one. For credit cards your account number is your 16-digit card number shown on the front of your card.

You can find your BSB and account number several ways:

  • With the ANZ App
  • Your BSB and account number is shown at the top of the screen when you tap on an account. Easy!

  • On ANZ Internet Banking 
  • You can find your BSB and account number by selecting your account from the ANZ Internet Banking homepage and viewing the 'Details' tab.

  • On the ANZ Branch locator tool
  • Your BSB number can be found by searching for the branch in which you opened your account. The BSB number will show in the search results alongside the branch location and hours of operation.

  • On your statements
  • Your BSB and account number will appear on your statement copies. The first 6 digits are your BSB number followed by your 9-digit account number.

  • On ANZ Phone Banking
  • Call 13 13 14 to retrieve your BSB and account numbers. You can do this 24/7 from any touch tone phone from anywhere in Australia for the cost of a local call.

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. ANZ Access Visa Debit is a feature of the ANZ Access Advantage, ANZ One offset, ANZ Access Select, ANZ Pensioner Advantage and ANZ Access Basic accounts.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network. Learn more

You may also be interested in

ANZ Pensioner Advantage

An account to help you earn interest. If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be eligible.disclaimer

Learn more

The Saver Plus program

If you have a Centrelink Health Care Card or Pensioner Concession Card you could be eligible for our Saver Plus program.

Learn more

Banking for seniors

If you're 60 years or over we can help you get your finances sorted and could even save you some money along the way. 

Learn more

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Falcon® is a registered trademark of Fair Isaac Corporation.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

PayID is a registered trademark of NPP Australia Limited.

Transaction fees may apply, see the ANZ Plus and ANZ Save Accounts T&Cs for details of these fees.


Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.


Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees may apply to foreign currency transactions where an ANZ Access Visa Debit card is accepted. Please refer to ANZ Personal Banking Account Fees and Charges and ANZ Saving & Transaction Products Terms and Conditions for details.


Provided you didn’t contribute to the loss, you let us know as soon as you found out about the loss and you have complied with the Electronic Banking Conditions of Use contained in your product terms and conditions.


Mobile payments available on compatible devices and eligible ANZ cards. View the full list at Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF)Fitbit Pay (PDF) and Garmin Pay (PDF).


Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.