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ANZ Access Advantage - Accounts

ANZ Access Advantage

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ANZ Access Advantage - an everyday account where what you see is what you get.

Unlimited everyday ANZ transactions for $5 a month.  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.

  • With Visa Debit access, you can use your own money online, over the phone and overseas
  • Press ‘credit’ for the added security of ANZ Falcon™ fraud monitoring – when using your ANZ Access Visa Debit card for ATM or EFTPOS transactions, select the ‘credit’ button to activate ANZ Falcon™ which monitors your transactions for suspicious activity. Transactions that you make online or by phone are automatically protected by ANZ Falcon™
  • Receive a concession on your account - on application for a fee waiver at a branch the monthly account service fee may be waived if you meet the eligibility criteria. Please refer to the ‘Eligibility tab’ for a list of eligible criteria and ANZ accounts.
  • Choose from 3 card colours.

 

ANZ Access Advantage Visa Debit Card

To open an ANZ Access Advantage account, you must:

  • Be an Australian resident, with an Australian address - who can complete the ANZ Customer Identification Process in Australia upon opening the account or be an existing ANZ customer.

If you are currently living overseas but are planning to come to Australia, you can apply for an ANZ Access Advantage account using the non-Australian resident form.

ANZ can help you arrange your banking in Australia before your move begins. Find out more about moving to Australia.

Eligibility for concessions

On application by you, the monthly account service fee may be waived on one nominated ANZ Access Advantage account if you:

To receive the monthly account service fee waiver you will need to apply for a waiver and show proof of eligibility at an ANZ branch.

  • Full-time students need to show proof of enrolment with an Australian Educational Institution at an ANZ branch in order to receive a 12 month account service fee waiver. Students need to renew their monthly account service fee waiver every 12 months with proof of enrolment at an ANZ branch.
  • Customers aged under 18 or aged 60 or over need to show proof of age at an ANZ branch in order to receive a monthly account service fee waiver.
  • Customers will need to show receipt of a disability support pension or mobility allowance from Centrelink at an ANZ branch in order to receive a monthly account service fee waiver

 

Interest rates

Interest rates shown below only apply to ANZ Access Advantage.

Amount Interest rate
Balances between $1 - $49,999 0% p.a.
Balances between $50,000 - $99,999 0.01% p.a.
Balances over $100,000 0.02% p.a.

Fees and charges

Monthly account service fee
$5.00

For more information on fees download the ANZ Personal Banking Account fees and charges (PDF 324kB) or ANZ Personal Banking General Fees and Charges (PDF 148kB).

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Unsure if ANZ Access Advantage is right for you?

Compare all ANZ everyday bank accounts to see which one suits your needs.

Don't want to apply online?

Telephone icon  Call 1800 008 177 from 8.00am to 8.00pm (AEST) Monday to Friday 

Visit branch icon  Visit any ANZ branch

Non-Australian resident

If you are currently overseas but are planning to move to Australia, you can apply for an ANZ Access Advantage account prior to your arrival. Visit our Moving to Australia information section to begin the account application process.

Existing ANZ Access Advantage account customer?

If you would like to add an ANZ Access Visa Debit card to your account, please either visit your local ANZ branch or call 1800 008 177 Monday - Friday, 8am-8pm (AEST).

ANZ Access Advantage is covered by the Australian Government Deposit Guarantee Scheme2.

Terms and conditions are available on application. Fees and charges apply.

Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 324kB) for fees and charges that apply.

^ Special Term Deposit rate is current as at 16 February 2010 and subject to change. A minimum investment of $5,000 is required. This interest rate is not available with other offers. Interest is payable at maturity. Fees and charges apply. If you choose to reinvest your funds in an ANZ Term Deposit following the conclusion of the term, the applicable interest rate will be determined at the time of reinvestment.

1. Loans not eligible include ANZ Simplicity PLUS, ANZ Money Saver (no longer sold), ANZ Easy Start (no longer sold) and ANZ Interest-in-Advance Residential Investment Loans.

2. This is a deposit product offered by ANZ. Deposits with ANZ of up to and including A$1 million in aggregate will continue to be automatically guaranteed by the Federal Government without charge. The $1 million fee-free guarantee threshold is calculated on the total deposits held in one or multiple ANZ accounts by each ‘legal entity’. For deposits of more than A$1 million, we will offer customers the ability to opt-in to receive the benefit of the guarantee for a monthly fee of 0.7%pa. This is the fee we will be charged directly by the Federal Government as a AA rated bank. For information about what is a ‘legal entity’, please refer to the Federal Government Guarantee on Deposits fact sheet.

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 Product Disclosure Statement and the Financial Services Guide (PDF 208kB) before acquiring the product.

™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 (DUNS) 074 664 715.

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