Apply for ANZ Pensioner Advantage
Pay no monthly account service fee. Access your money whenever you need it with free 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.
Benefits
A simple way to earn interest
No monthly account service fee
Earn interestdisclaimer when you deposit your eligible pension or allowance into your account. See rates and fees for more details.
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 | $0 |
|---|---|
ANZ Transactions per month | Unlimited |
Interest rate on the portion of the balance below $10,000 | |
Interest rate on the portion of the balance between $10,000 and $50,000 | |
Interest rate on the portion of the balance above $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 PayIDdisclaimer, temporarily block and unblock your card, and so much more. Find out more
Download the app now.
Eligibility
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.
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.
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 Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) 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.
Android, Google Play and the Google Play logo are trademarks 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) for criteria.
Back to topEligibility 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.
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 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 $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.
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 and ANZ Saving & Transaction Products Terms and Conditions for details.
Back to topProvided 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.
Back to topMobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.
Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
Back to topFor all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.
Back to topAvailable when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ One, ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.
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