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Find ANZ Support Centre
Find ANZ Support Centre

ANZ Access Advantage

The transaction account for everyday banking. ANZ Access Advantage is easy to use and packed with great features for day-to-day transactions.

Apply online

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Features and benefits

Take advantage of these transaction account features, benefits and clever tools.

  • Monthly account service fee waiver for eligible customersdisclaimerdisclaimer 
  • Anti-fraud protection with ANZ Falcon®
  • Tap and pay for in-store purchasesdisclaimer
  • Faster payment solutions with PayID®disclaimer
  • ANZ Access Visa Debit carddisclaimer
  • ANZ App for iOS and Android
  • Track your spending and income
  • Earn cashback with Cashrewardsdisclaimer

Access Advantage Features and Benefits

Monthly account service fee waiver for eligible customers

We'll waive your $5 monthly account service fee if you deposit at least $2,000 a monthdisclaimeror if you meet other eligibility criteriadisclaimer(like you’re a full-time student).

ANZ Access Visa Debit card

Get an ANZ Access Visa Debit carddisclaimer and you can add it to your digital wallet.disclaimer Use it anywhere in the world where Visa is accepted.disclaimer

Anti-fraud protection with ANZ Falcon®

ANZ Falcon® works 24/7 to monitor your debit and credit card transactions to help safeguard your money and help put a stop to fraud. There’s a money back guarantee for fraudulent transactions on your ANZ Access Visa Debit card provided you tell us promptly and didn’t contribute to the loss.disclaimer More on security.

ANZ App for iOS and Android

Download the ANZ App for iOS or Android devices, and view, make or schedule payments and transfers, temporarily block and unblock your carddisclaimer, change your profile details, or set savings goals (if you have an ANZ Online Saver or ANZ Progress Saver account).disclaimer

Tap and pay for in-store purchases

Just set up your ANZ Access Visa Debit carddisclaimer on your digital wallet and you can use your compatible devicedisclaimer to tap and paydisclaimer for everyday purchases wherever you can make contactless payments.

Track your spending and income

Every month, get access to Your Money Report, a personalised snapshot of some of your money in and money out across your ANZ Access Advantage account and other eligible ANZ accounts. Learn more.

Faster payment solutions with PayID®

Make faster paymentsdisclaimer or get paid in as little as 60 seconds using PayID®. This could be a great option for individuals looking to save time and reduce admin.

Earn cashback with Cashrewards

Join ‘Cashrewards’disclaimer for free to access cashback offers from more than 2,000 popular retailers and get more for your money.

Which card colour suits your style?

Black

Pink

Blue

Interest rates and fees

Fees

$5 monthly account service fee, or pay no fee if you deposit at least $2,000 a monthdisclaimeror meet other eligibility criteriadisclaimer

 

Interest rates

No interest is paid on this account.

 

Looking for concession everyday accounts with no monthly account service fee?

If you hold a concession card, or are receiving Government benefits, you may be eligible for one of ANZ’s concession everyday bank accounts that has no monthly account service fee.disclaimer Have a look at ANZ Access Basic and ANZ Pensioner Advantage.

What is a transaction account?

Sometimes known as an everyday account, a transaction account can be used for paying bills, shopping, and other day-to-day purchases. 

With an ANZ transaction account you can:

  • Send and receive money
  • Transfer money between your linked eligible ANZ bank account(s)
  • Withdraw money from ATMs

Not the account you’re looking for?
We’ve got a handy tool to help you consider some other options. Our bank accounts comparison tool will show you some options side-by-side for transaction, savings and term deposit accounts.

How to apply

Take a moment to review ANZ Access Advantage to help you decide if it's right for you.

Eligibility criteria:

  • Australian residents
  • An Australian residential and mailing address
  • 12 years or older

Apply for ANZ Access Advantage

Apply online

If you're ready to apply online and have your documents handy, you can get started now.

Apply now

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

ANZ Internet Banking

If you've registered, log in and click Product & Offers, then select the Bank accounts tab and look for ANZ Access Advantage. 

Log in

The ANZ App

If you are an existing customer, you can apply for an ANZ Access Advantagedisclaimeraccount in the ANZ App in minutes. Easy as.

Learn more

Call us or visit a branch

Call us on 13 33 33 Mon-Fri 8.00am to 8.00pm (Sydney/Melbourne time) or find an ANZ branch near you.

Your questions answered

I keep hearing about ANZ Plus; how is it different from ANZ?

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app.

It comes with an ANZ Plus transaction account and a multi-goal ANZ Save account, and a new-look ANZ Plus Visa Debit Card.

The ANZ Plus app has a range of features to provide more visibility and control of your money and spending.

You can only access ANZ Plus in the ANZ Plus app. You can't access other ANZ accounts in the ANZ Plus app.

Other ANZ bank accounts can be accessed through the ANZ app or Internet Banking, ANZ branches and over the phone.

Find out more about ANZ Plus at www.anz.com/plus

Am I eligible for the monthly service fee waiver?

The $5 fee will be automatically waived if you deposit at least $2,000 a monthdisclaimer and you don’t have to keep your $2,000 in your account for the whole month.

You may also apply for a waiver of the $5 monthly account service fee* on one nominated ANZ Access Advantage account if you

  • are under 25 or aged 60 or over,
  • are a full-time student at an Australian educational institution,
  • receive a disability support pension or mobility allowance from Centrelink,
  • have an ANZ Home Loan or an ANZ Residential Investment Loandisclaimer and have your salary paid into your account

or

* Other fees and charges may apply. For details see ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Personal Banking General Fees and Charges (PDF).

Customers aged 12 years or over that have an Australian mailing address are eligible to apply for a Visa Debit carddisclaimer. Customers aged 12 and 13 will need to visit an ANZ branch to order their card. They can bring a parent or guardian.

If you want to start banking online with ANZ, we can show you how to register and log in to ANZ Internet Banking, register for phone banking or download and use the ANZ App. You’ll need your customer registration number and Telecode to get started.

See how to register

If you need help or don’t have your customer registration number and Telecode, please contact us to get you started.

Switch your everyday banking, debit and credit cards to ANZ in three steps. Learn more

BSB stands for bank, state and branch number. It identifies the bank, branch and state that you opened your account in.

Your account number is the identification number associated with your account. Every account has one. For credit cards your account number is your 16-digit card number shown on the front of your card.

You can find your BSB and account number several ways:

  • With the ANZ App

    • Your BSB and account number is shown at the top of the screen when you tap on an account. Easy!

  • On ANZ Internet Banking 

    • You can find your BSB and account number by selecting your account from the ANZ Internet Banking homepage and viewing the 'Details' tab.

  • On the ANZ Branch locator tool

    • Your BSB number can be found by searching for the branch in which you opened your account. The BSB number will show in the search results alongside the branch location and hours of operation.

  • On your statements

    • Your BSB and account number will appear on your statement copies. The first 6 digits are your BSB number followed by your 9-digit account number.

  • On ANZ Phone Banking

    • Call 13 13 14 to retrieve your BSB and account numbers. You can do this 24/7 from any touch tone phone from anywhere in Australia for the cost of a local call.

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. ANZ Access Visa Debit is a feature of the ANZ Access Advantage, ANZ One offset, ANZ Pensioner Advantage and ANZ Access Basic accounts.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network. Learn more

Important information

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) and the Financial Services Guide (PDF) which are available at anz.com 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.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

PayID is a registered trademark of NPP Australia Limited.

Falcon® is a registered trademark of Fair Isaac Corporation.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.

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

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Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 

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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).

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Eligible accounts and payments only – sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.

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Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.  Please visit Cashrewards for further details.

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Mobile payments available on compatible devices and eligible ANZ cards.

Separate terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Apple, Apple Pay and iPhone are trade marks of Apple Inc., registered in the U.S. and other countries.

Android, Google Pay, and the Google Logo are trademarks of Google LLC.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

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Provided you didn’t contribute to the loss, you let us know as soon as you found out about the loss and you have complied with the Electronic Banking Conditions of Use contained in your product terms and conditions.

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Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.

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Loans not eligible include ANZ Simplicity PLUS and ANZ Interest-in-Advance Residential Investment Loans.

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