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ANZ Pensioner Advantage

If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be eligible.^{Superscript: 1}

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Apply for ANZ Pensioner Advantage

How to apply

How you can use ANZ Pensioner Advantage

Pay no monthly account service fee. Access your money whenever you need it with unlimited ANZ Transactions. Bank 24/7 with ANZ ATMs, EFTPOS, ANZ Internet Banking, ANZ App and ANZ Phone Banking.

You can request an ANZ Access Visa Debit card to use your own money online, over the phone or overseas where Visa is accepted.^{Superscript: 2} Get paid into your account.

Sign up for ANZ Internet Banking and download the ANZ App.^{Superscript: 3} Keep track of your spending by setting a daily budget with ANZ Spendi in the ANZ App.

Set up an auto transfer in ANZ Internet Banking to your linked ANZ savings account – like ANZ Progress Saver or ANZ Online Saver.

Snapshot

Benefits

A simple way to earn interest

Earn interest^{Superscript: 4} when you deposit your eligible pension or allowance into your account. See rates and fees for more details.

No monthly account service fee

ANZ Visa Debit card

Use it anywhere Visa is accepted.^{Superscript: 5} Equipped with accessibility features for vision-impaired customers.

See daily spending in a glance with ANZ Spendi

The little purchases all add up. Use the ANZ App to set a daily budget on an account, then ANZ Spendi will show you the daily spending at a glance.

ANZ Internet Banking guarantee

We will reimburse any unauthorised transactions on your account, provided you didn’t contribute to the loss and you let us know as soon as you discover it.^{Superscript: 6} More on security

Tap and pay

Set up mobile payment on your compatible devices with eligible ANZ cards so you can tap and pay.^{Superscript: 7}

Things to consider

Add an ANZ Access Visa Debit card to your existing account

Existing ANZ Pensioner Advantage customers can upgrade to an ANZ Access Visa Debit card with payWave.^{Superscript: 5} If you would like to add an ANZ Access Visa Debit card to your existing account,^{Superscript: 5} please visit your local ANZ branch or call 1800 008 177 Monday - Friday, 8am-8pm (AEST).

How you can optimise your savings

ANZ Pensioner Advantage is great for moving and managing your money. You could optimise your savings by linking it to a savings account, like ANZ Progress Saver, ANZ Online Saver, or both.

Rates and fees^{Superscript: 8}

Monthly account service fee	$0
ANZ Transactions per month	Unlimited
Interest rate on the portion of the balance below $10,000	0.05% p.a. ^{Superscript: 4}
Interest rate on the portion of balances from $10,000 to below $50,000	1.65% p.a.^{Superscript: 4}
Interest rate on the portion of balances from $50,000	2.25% p.a. ^{Superscript: 4}

For more details about fees, read ANZ Personal Banking Account Fees and Charges. Interest is banded and paid quarterly.^{Superscript: 4}

Take care of the day to day with the ANZ App

Join over three million users who are using the app to get on top of their money. You can see more information about your purchases, make payments in as little as 60 seconds with PayID®^{Superscript: 9}, temporarily block and unblock your card, and so much more. Find out more

Download the app now.

Calculators and tools

How to apply

You don’t need to be an ANZ customer to open an ANZ Pensioner Advantage account.

Eligibility

To apply you will need to:

Be an Australian resident, with an Australian residential address
If requesting a card, you will need to provide your Australian mailing address
Come into branch with accepted ID or be an existing ANZ customer
Receive an ongoing Australian Centrelink pension or allowance or an Australian Veteran’s Affairs pension or allowance. Information about eligible Australian pensions or allowances can be obtained from relevant government body websites

You may also need your:

Pension type
Pension number
Centrelink or Veterans' Affairs number.

It is not compulsory to provide your Tax File Number (TFN). However, if you do not provide it, ANZ is required to deduct withholding tax from any interest earned on your ANZ Pensioner Advantage account above a certain threshold.

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How do I register for ANZ Internet Banking, Phone Banking and the ANZ App?

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.

How do I switch to ANZ?

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

What is my BSB and account number?

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.

I have a question about Visa Debit cards

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 Access Select, 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.

Falcon® is a registered trademark of Fair Isaac Corporation.

PayID is a registered trademark of NPP Australia Limited.

1. Refer to ANZ Savings & Transaction Products Terms and Conditions (PDF) for criteria.

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2. 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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3. The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super 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 here for iOS (PDF) and here for Android (PDF) 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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4. A banded rate of interest means that different rates of interest apply to different parts of your account balance. For example, the interest we pay on the part of your balance between $10,000 and $50,000 may be different from the rate of interest we pay on the first $9,999 of the balance. Interest rates are variable and subject to change.

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5. 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.

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6. 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 applicable product terms and conditions, and any applicable Electronic Banking Conditions of Use contained in your product terms and conditions.

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7. 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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8. For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use and ANZ Personal Banking Account Fees and Charges.

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9. Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.

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ANZ Pensioner Advantage

Apply for ANZ Pensioner Advantage

How you can use ANZ Pensioner Advantage