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ANZ Pensioner Advantage

If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be eligible.disclaimer

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How to use

Rates and fees

How to apply


Calculators and tools

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Apply for ANZ Pensioner Advantage

How you can use ANZ Pensioner Advantage

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.



  • A simple way to earn interest

  • Earn interestdisclaimer when you deposit your eligible pension or allowance into your account. See rates and fees for more details.

  • 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

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

    Existing ANZ Pensioner Advantage 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 Pensioner Advantage 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.

Rates and feesdisclaimer

Monthly account service fee


ANZ Transactions per month


Interest rate on the portion of the balance below $10,000


Interest rate on the portion of balances from $10,000 to below $50,000


Interest rate on the portion of balances from $50,000


For more details about fees, read ANZ Personal Banking Account Fees and Charges. Interest is banded and paid quarterly.disclaimer

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 Pensioner Advantage account.


To apply you will need to:

  • Be an Australian resident, with an Australian address 
  • Come into branch with accepted ID or be an existing ANZ customer
  • Receive an ongoing Australian Centrelink pension or allowance or an Australian Veteran’s Affairs pension or allowance. Information about eligible Australian pensions or allowances can be obtained from relevant government body websites

You may also need your:

  • Pension type
  • Pension number
  • Centrelink or Veterans' Affairs number.

It is not compulsory to provide your Tax File Number (TFN). However, if you do not provide it, ANZ is required to deduct withholding tax from any interest earned on your ANZ Pensioner Advantage account above a certain threshold.

Visit a branch near you

Locate us

Call us

1800 008 177

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

Understand more

If you want to start banking online with ANZ, we can show you how to register and log in to ANZ Internet Banking, register for phone banking or download and use the ANZ App. You’ll need your customer registration number and Telecode to get started.

See how to register

If you need help or don’t have your customer registration number and Telecode, please contact us to get you started.

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 Access Basic

Offers affordable and convenient banking for Concession and Health Care card holders.

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.

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.

Falcon® is a registered trademark of Fair Isaac Corporation.

PayID is a registered trademark of NPP Australia Limited.

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.


A banded rate of interest means that different rates of interest apply to different parts of your account balance. For example, the interest we pay on the part of your balance between $10,000 and $50,000 may be different from the rate of interest we pay on the first $9,999 of the balance. Interest rates are variable and subject to change.


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).


For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use and ANZ Personal Banking Account Fees and Charges.


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.