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First job

Congratulations, you've landed your first job! Which means your first pay is probably on the way too.

Are you job ready?


Do you need a bank account to get paid?

Getting your first pay is an exciting time but you may need a bank account to receive the money. A lot of employers will only deposit your pay into a bank account and won't pay in cash so it pays to be prepared (pardon the pun).

With our ANZ Access Advantage account, you get:

  • ANZ Visa Debit card (if you're 14 or over) so you can shop instore or online, wherever Visa is accepteddisclaimer
  • You may apply for a waiver of the monthly account service fee if you're under 25 (normally $5)disclaimer
  • Check your balance on the move, apply for new accounts and take care of your banking with the ANZ Appdisclaimer
  • Use your compatible iPhone or Android phone to pay easily and securely with your ANZ Visa Debit carddisclaimer

When you open an ANZ Access Advantage account you have the option of opening an ANZ Online Saverdisclaimer account at the same time to put your savings into, and earn some interest.

Sort out your super

Super is a way of saving for your retirement, where your employer pays part of your salary into a super account. To live the life you want, it's good to start thinking about super earlier rather than later.

Learn more

Create a budget

Make the most of money coming in by creating a budget. We've got a budget planner to help you. It has the flexibility to suit your lifestyle and you can include regular savings so your goals may be closer than you think.

Build your budget

What's all the fuss about tax?

When starting a new job and opening a bank account in Australia, you may be asked for your tax file number. If you don't already have one, you can apply for it through the Australian Taxation Office (ATO).

Visit the ATO website to get a tax file number

Completing your first tax return can be daunting. ASIC's MoneySmart has made it easier with information specifically for your first time. 

Visit ASIC's MoneySmart website to read more about your first tax return

It's hard to figure out what you need to do when working in a foreign country. You can refer to the Australian Taxation Office (ATO) for guidance and next steps.

Visit the ATO website to get guidance on working in Australia

If you're an Australian resident for tax purposes, there may be a portion of your income that isn't taxed in Australia. This is called the tax-free threshold. You may be able to claim it to reduce the amount of tax that is withheld from your pay each year.

Visit the ATO website to find out more

Easy ways to access your money

Pay with your device

Use your compatible smartphone or wearable device to tap and pay with your eligible ANZ cards when you're out and about.disclaimer

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.

Learn more

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

About Visa Debit cards

Find out the important stuff about your Visa Debit card. Learn more

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.

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 427kB) and the Financial Services Guide (PDF 112kB) 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.

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.

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 and ANZ Saving & Transaction Products Terms and Conditions for details.


Eligibility criteria apply. 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).


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 Labels and Conditions available here for iOS (PDF 381kB) and here for Android (PDF 340kB) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.


Mobile payments available on compatible devices and eligible ANZ cards. View the full list at Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF)Fitbit Pay (PDF) and Garmin Pay (PDF).


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 and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.