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ANZ Access Advantage

Get the advantage, everyday

It only takes around 10mins to apply online for an ANZ Access Advantage everyday transaction account.

Apply online

 

 

 

Why choose an ANZ Access Advantage account?

Apply online

Take advantage of the benefits

Check out these account features, benefits and clever tools.

Banking via the ANZ App

Download the ANZ App for iOS or Android devices, and view, make or schedule payments and transfers. You can temporarily block and unblock your card. Learn more.disclaimer

 

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 monthdisclaimer or if you meet other eligibility criteriadisclaimer (like you’re a full-time student).

 

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 eligible ANZ accounts. Learn more. 

 

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. More on security.

Which ANZ Access Visa Debit card colour suits your style?

Black

Black is classic. You can’t go wrong!

Apply online for an ANZ Access Advantage account:

Get started

Pink

Pink really pops! It’s stylish and unmissable.

Apply online for an Access Advantage account:

Get started

Blue

Effortlessly cool! We love blue too.

Apply online for an Access Advantage account:

Get started

Interest rates and fees

Fees

$5 monthly account service fee, or pay no fee if you deposit at least $2,000 a monthdisclaimer or meet other eligibility criteria.disclaimer

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.

How to apply

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

Eligibility criteria:

  • Australian residents
  • An Australian residential 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.

The ANZ App

If you are an existing customer, you can apply for an ANZ Access Advantage account in the ANZ Appdisclaimer 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 and 13 are eligible but will need to visit an ANZ branch to order their card, and bring a parent or guardian. Customers aged 14 years or over that have an Australian mailing address are eligible to apply for an ANZ Access Visa Debit carddisclaimer with their ANZ Access Advantage account themselves.disclaimer

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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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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If you think your card is lost or stolen, it's important that you let us know immediately.

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

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

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