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Moving to Australia

Opening an ANZ Access Advantage account is quick and easy, so you'll have one less thing to worry about before you leave.

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Open your bank account for your new life

How it works

Open your account in 3 simple steps


  • Apply online - it takes less than 10 minutes
  • We’ll email within 2 days to give you your account details

Account opened with limited access

  • Your account will be opened with limited access
  • You can then transfer funds and know it has arrived safely with ANZ Internet Banking
  • You’ll also receive a call from our International Concierge team to register your internet banking and answer any questions about banking in Australia

Full account access

  • Fully activate your account upon arrival in Australia by completing your identity check at any ANZ branch

Bank account options

ANZ Access Advantage

Everything you need from an everyday account:

  • Use your phone to pay easily and securely with an eligible ANZ carddisclaimer
  • Linked ANZ Access Visa Debit Card disclaimer
  • Access your money whenever you need it with unlimited ANZ Transactions, plus branches and ATMs across Australia - find one near you
  • Pay no monthly account service fee (normally $5 a month) in the first month. This is ongoing if you're under 25, deposit at least $2,000 a month, or if you meet our other eligibility criteria disclaimer
  • Bank online with Internet Banking and on the go with the ANZ App disclaimer
  • ANZ Falcon™ provides round the clock monitoring for suspicious transactions on your card

Learn moreApply now

Online Saver

Earn interest and access your savings online

  • $0 monthly account service fee
  • No minimum balance
  • Unlimited access to your money via your linked ANZ everyday account disclaimer

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Useful information for moving to Australia

You may not have heard of superannuation (usually just called 'super') before arriving in Australia. Commonly known in other parts of the world as pension plans, super is a type of investment plan designed to help you financially when you retire. Here in Australia, your employer is legally bound to pay at least 9.5% (up to certain limits) of your earnings into a superannuation fund or retirement savings account. You can also make your own contributions, but consider seeking professional financial advice before you do.

Need help? – Talk to us 

Call +61 3 8699 6910

(Weekdays 9:00am to 5:30pm, and 9:00pm to 5:30am Australian Eastern Time)

Australia's taxation system is a complex one, with many different state and federal taxes. We won't go into too much detail here, but there are some important things you should know.

If you're planning to work in Australia, you'll need to get a tax file number (TFN) from the Australian Tax Office (ATO). It's not mandatory, but without a TFN, you'll automatically be taxed at the highest marginal rate and you may not have access to other benefits which you'd usually be entitled to.

Your employer will ask you for this TFN. And if you have savings and investments earning income, the bank (or other financial institution) managing these assets will also ask for it.

Tax file number applications are usually processed within 28 days, you can find out more on the ATO website.

Australia's financial year runs from July 1 to June 30 each year. If you earn more than a certain amount (you can look this up on the ATO website) during this period, you may need to pay income tax. As an employee, this income tax is normally deducted from your regular earnings. You'll also need to fill out a tax return at the end of each financial year. Depending on your situation, you may either get money back from the ATO, or you may owe them money.

Australia also has a goods and services tax (GST) which is 10% on most things you buy. This is also known as a value added tax in some other parts of the world.

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 or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at

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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 Savings and Transaction Product Terms and Conditions (PDF 408kB) for details.

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On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 180kB).

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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 at 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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ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account and ANZ Everyday Visa Debit. Terms and conditions and fees and charges apply to the eligible account.

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