skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Reduce your bank fees

Your day-to-day banking doesn't need to cost you a lot. By selecting the right account, monitoring your transactions, and choosing the right transaction options you could reduce your bank fees.

Reduce the number of accounts you have

If you have multiple bank accounts you may be incurring fees on each account. You may want to consider merging your accounts, or check what the minimum balance for the account is to ensure you don't incur unnecessary fees.

Check the fees and charges on your bank account

It is worthwhile checking out what fees you incur with each transaction. Depending on the type of account you have, self service transactions using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, EFTPOS and cheques may incur lower fees than transactions via an ANZ branch and may help you reduce your bank fees.

If you have an ANZ Access Advantage everyday account you could have access to unlimited transactions using ANZ ATMs, ANZ Phone & Internet Banking, plus branch, cheque and EFTPOS for a monthly account service fee of $5disclaimer. The only time you'll incur additional ANZ fees on your account is if you try to or do overdraw your account and/or transact overseas.

To help you avoid overdrawn and dishonour fees, you can apply for an optional ANZ Assured overdraft facility with a limit of $500 or $1,000 that can be linked to eligible everyday accountsdisclaimer. You’ll still need to pay interest on the amount of the limit you use, but the overdraft helps you avoid overdrawn or dishonour fees.

Investigate fee exemptions or packages

Ask about fee exemptions or packages for which you might be eligible. If you are aged under 25, a full time student, receive a Government benefit, or aged 60 and over you may be entitled to apply for a fee waiver. To find out whether you are eligible for any fee exemptions, refer to the ANZ Personal Banking Account Fees and Charges (PDF 180kB).

Use ANZ ATMs to minimise fees

Use ANZ ATMs to withdraw cash from your ANZ accounts, to avoid fees charged for using other banks' ATMs.

If you have multiple bank accounts you may be incurring fees on each account.

Use technology to stay in front

Banking on mobile devices is a convenient way to do your banking anytime, anywhere.disclaimer

We have three mobile banking options available.

Save time

You can save time by using ANZ Internet Banking to pay bills via BPAY® and transfer funds via Pay Anyone. Pay Anyone allows you to transfer funds to any individual or business with a bank account at most Australian financial institutions*.

Need more information?

For more information on the fees and charges applicable to ANZ personal accounts call 13 13 14 or click on the link below.

Fees and charges

*Online registration required. Eligibility criteria and terms and conditions apply.

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 408kB) and the Financial Services Guide (PDF 104kB) 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.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

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

Back to top

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.

Back to top

You may incur charges from your mobile phone operator as a result of using ANZ Mobile Phone Banking. Any such charges are solely your responsibility.

Back to top