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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



Features and benefits

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


ANZ Transactions per month


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 (PDF 132kB).

Interest is banded and paid quarterly.disclaimer

Ways to bank

Access what you need when you need it with our range of simple and secure digital banking tools.

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.

Learn 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.

Learn more


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.

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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.

To open an account

You don’t need to be an ANZ customer to open an ANZ Pensioner Advantage account.

Call 1800 008 177

You can call us Mon to Fri, 8am to 8pm (AEST)

You may also be interested in

ANZ Access Basic

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

Learn more

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. 

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 and the Financial Services Guide 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.

™ 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.

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 (PDF 112kB) and ANZ Saving & Transaction Products Terms and Conditions (PDF 746kB) for details.

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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.

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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 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.

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The 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.

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