The $5 fee will be automatically waived if you deposit at least $2,000 a month^disclaimer 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 Loan^disclaimer and have your salary paid into your account

or

• have a combined deposit balance of $50,000 in one or more of the following ANZ accounts: ANZ Access Advantage, Access Select, Premium Cash Management, Online Saver, Progress Saver, ANZ term deposits, V2 Plus, Passbook Savings, Premier Cheque.

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

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network, while a credit card provides you with the ability to access credit, which you then repay at a later date.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network. You can access your account at more than 29 million outlets around the world including online, over the phone or overseas. So now you can make purchases like flights or concert tickets online or over the phone using Visa Debit.

Customers aged 12 years or over that have an Australian mailing address are eligible to apply for a Visa Debit card^disclaimer.

There are many ways you can access your money using your ANZ Visa Debit card, including at ATMs, at the point of purchase, over the phone, online and via mail order. 

A simple rule to remember is to select ‘Credit’ or 'Visa Debit' for all transactions, unless withdrawing cash with purchases where you select 'Savings' or 'eftpos SAV'.

Yes. With a Visa Debit card you can access your own money wherever Visa is accepted. There are more than 100 million outlets around the world.

You can also make withdrawals from Visa ATMs whilst overseas and avoid carrying large amounts of cash. When you're at an ATM or point of purchase, select 'Credit' or 'Visa Debit' (when the option is available) for transactions.

Keep in mind that Overseas Transaction Fees and Overseas ATM Transaction Fees may apply when you use your ANZ Visa Debit card overseas.

Overseas Transaction Fees may also apply in other circumstances.

For more information on Overseas Transaction Fees and Overseas ATM Transaction Fees refer to the ANZ Personal Banking Account Fees and Charges (PDF) booklet.

Please refer to Disputing a transaction.

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