ANZ Pensioner Advantage
If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be
ANZ Access Visa Debit Card
Use your own money online, over the phone or overseas where Visa is accepted.disclaimer When you open an ANZ Pensioner Advantage account you can request an ANZ Access Visa Debit card.disclaimer
Secure unlimited transactions
Access your money whenever you need it with unlimited ANZ Transactions. Plus, our security features give you peace of mind when you use your card - like ANZ Falcon™ that provides round the clock monitoring for suspicious transactions.
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.
$0 monthly account service fee
We want to help you save and make the most of your money. That's why ANZ Pensioner Advantage has no monthly account service fee.
Rates and feesdisclaimer
| Monthly account service fee | $0 |
|---|---|
| ANZ Transactions per month | Unlimited |
Interest rate on balances below $2,000 Note: As of Thursday, November 1 2018, this interest band will change to balances below $10,000 | Note: As of Thursday, November 1 2018, this interest rate will change to 0.50% p.a. |
Interest rate on balances between $2,000 and $49,200 Note: As of Thursday, November 1 2018, this interest band will change to balances between $10,000 and $50,000 | |
Interest rate on balances over $49,200 Note: As of Thursday, November 1 2018, this interest band will change to balances over $50,000 |
For more details about fees read ANZ Personal Banking Account Fees and Charges (PDF 132kB).
Interest is banded and paid quarterly.disclaimer
ANZ Internet Banking
Complete online banking across multiple compatible devices. With ANZ Internet Banking you can manage your accounts, pay and transfer money, access online statements and a whole lot more.
ANZ Smart ATMs
Our ANZ Smart ATMs are secure, simple to use and easy to find. You can do a range of banking, including cash and cheque deposits and money transfers.
ANZ App
Make the everyday a little bit easier and do your banking on the go.disclaimer View balances, transfer money and make payments simply and easily.
Add an ANZ Access Visa Debit 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 either visit your local ANZ branch or call 1800 008 177 Monday - Friday, 8am-8pm (AEST).
Peace of mind when you use your account
We want you to feel confident and secure doing your banking:
- When you're using ANZ Internet Banking or the ANZ App all the data is encrypted
- ANZ Falcon™ provides round-the-clock monitoring for suspicious transactions
- ANZ Fraud Money Back Guarantee - you won't be liable for fraudulent transactions on your ANZ card, provided you didn't contribute to the loss and notified ANZ promptly of the fraud
Extra security to unlock extra features
ANZ Shield is a mobile app that gives you extra security so you can unlock extra features for ANZ Internet Banking. Use ANZ Shield to easily verify your ANZ Internet Banking activities wherever you are.
Generate a one-time ANZ Shield code to:
- Make larger payments online
- Reset your forgotten ANZ Internet Banking password
- Manage your daily Pay Anyone limit in real-time
- Instantly update your banking profile
ANZ Internet Banking Guarantee
When using ANZ Internet Banking or the ANZ App, you’ll be reimbursed for any unauthorised transactions, provided that you have complied with the Electronic Banking Conditions of Use.
Government Deposit Guaranteedisclaimer
Some extra peace of mind for banking in Australia. Deposits of up to $250,000 with ANZ can be covered by the Australian Government’s Financial Claims Scheme. This means that this money is guaranteed if anything happens to ANZ.
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 eligible Centrelink pension or allowance or a Veterans’ Affairs pension or allowance
- Have your pension or allowance paid into your ANZ Pensioner Advantage account.
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.
Eligible pensions and allowances include:
- Aged pension
- Disability Support pension
- Widow’s pension or allowance
- Wife’s pension
- Carer’s pension
- Sole parent’s pension
- Service pension
- Incentive allowance
- Newstart Allowance (including Mature Age Allowance and Mature Age Partner Allowance)
- Sickness allowance
- Special Benefit allowance
- Partner allowance
- Parenting allowance.
You may also be interested in
ANZ Access Basic
Offers affordable and convenient banking for Concession and Health Care card holders.
Our everyday account
Use your money the way you want with ANZ Access Advantage. Unlimited ANZ transactions and Visa Debitdisclaimer access make everyday banking easy.
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.
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 Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide (PDF 104kB) which are available at anz.com 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. Google Play and the Google Play logo are trade marks of Google Inc.
™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.
BPAY® is registered to BPAY Pty Ltd ABN 69079137518.
Refer to ANZ Savings & Transaction Products Terms and Conditions (PDF 408kB) for criteria.
Back to topEligibility 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 (PDF 112kB) and ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) for details.
Back to topA 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 $2,000 and $49,200 may be different from the rate of interest we pay on first $1,999 of the balance. Interest rates are variable and subject to change.
Back to topFor all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).
Back to topThe 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 here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Back to topThe guarantee applies to the total balance held in one or more ANZ deposit accounts by each legal entity, up to a maximum amount of A$250,000. For further information please refer to the Financial Claims Scheme.
Back to top