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Moving to Australia

Opening an ANZ Access Advantage account is quick and easy, so you'll have one less thing to worry about before you leave.

Learn more

Open your bank account for your new life

How it works

Open your account in 3 simple steps


  • Apply online - it takes about 5 minutes.
  • Have your Tax Identification Number (or your country’s equivalent) ready to complete your application.
  • We’ll email within 2 days to give you your account details.

Account opened

  • Your account will be opened with limited access so you can transfer funds into your account before you arrive. To make withdrawals, transfers and payments, you must first complete an identity check at an ANZ branch in Australia.
  • You’ll receive a call from our multilingual International Concierge to set up your internet banking and answer any questions you have about banking in Australia.
  • You can then transfer funds when it suits you. For extra peace of mind, use ANZ Internet Banking to check your funds have arrived safely.

Full account access

  • Fully activate your account upon arrival in Australia by completing your identity check at any ANZ branch.
  • Our International Concierge can help you find your closest ANZ branch, and arrange to have a new ANZ Access Visa Debit card ready and waiting for eligible customers.disclaimer

Bank account options

ANZ Access Advantage

Everything you need from an everyday account:

  • Use your phone to pay easily and securely with an eligible ANZ carddisclaimer
  • Linked ANZ Access Visa Debit Carddisclaimer
  • Access your money whenever you need it with unlimited ANZ Transactions, plus branches and ATMs across Australia - find one near you
  • Pay no monthly account service fee (normally $5 a month) for the first 12 months. This is ongoing if you're under 25, deposit at least $2,000 a month, or if you meet our other eligibility criteria disclaimer
  • Bank online with Internet Banking and on the go with the ANZ App disclaimer
  • ANZ Falcon™ provides round the clock monitoring for suspicious transactions on your card

Things to consider

  • Some transactions attract fees, like overseas transactions and bank chequesdisclaimer
  • Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged interestdisclaimer
  • Got a concession card or receive government benefits? Have a look at ANZ Access Basic and ANZ Pensioner Advantage
  • This account is for personal use only

Learn more Apply now

Also looking for an online savings account?

If you proceed with opening an ANZ Access Advantage account, you will also be offered an ANZ Online Saver account. Take a moment to review the following information to help you decide if it's right for you.


  • Access to your money anytime online via your linked ANZ Access Advantage
  • Bonus interest for the first 3 months, even if you make a withdrawaldisclaimer
  • A standard variable rate after the first 3 months
  • No monthly account service feesdisclaimer
  • No minimum balance

Things to consider

  • ANZ Online Saver is an online-only accountdisclaimer
  • Use your linked ANZ Access Advantage account to access your money
  • No access in-branch
  • Bonus interest only applies to your first ANZ Online Saver account and you must not have held an ANZ Online Saver account in the last 6 monthsdisclaimer

Useful information for moving to Australia

You may not have heard of superannuation (usually just called 'super') before arriving in Australia. Commonly known in other parts of the world as pension plans, super is a type of investment plan designed to help you financially when you retire. Here in Australia, your employer is currently legally bound to pay at least 10% (up to certain limits) of your earnings into a superannuation fund or retirement savings account. You can also make your own contributions, but consider seeking professional financial advice before you do.

Australia's taxation system is a complex one, with many different state and federal taxes. We won't go into too much detail here, but there are some important things you should know.

If you're planning to work in Australia, you'll need to get a tax file number (TFN) from the Australian Tax Office (ATO). It's not mandatory, but without a TFN, you'll automatically be taxed at the highest marginal rate and you may not have access to other benefits which you'd usually be entitled to.

Your employer will ask you for this TFN. And if you have savings and investments earning income, the bank (or other financial institution) managing these assets will also ask for it.

Tax file number applications are usually processed within 28 days, you can find out more on the ATO website.

Australia's financial year runs from July 1 to June 30 each year. If you earn more than a certain amount (you can look this up on the ATO website) during this period, you may need to pay income tax. As an employee, this income tax is normally deducted from your regular earnings. You'll also need to fill out a tax return at the end of each financial year. Depending on your situation, you may either get money back from the ATO, or you may owe them money.

Australia also has a goods and services tax (GST) which is 10% on most things you buy. This is also known as a value added tax in some other parts of the world.

Need help? Talk to us

Call us now

Weekdays from 9:00am to 5:30pm, and from 9:00pm to 5:30am AEST

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 427kB) and the Financial Services Guide (PDF 112kB) 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.

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.


Mobile payments available on compatible devices and eligible ANZ cards. View the full list at


On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 180kB).


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares 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 at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.


 Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 180kB) for fees and charges that apply.


Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 199kB).


Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.


ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.