ANZ Access Advantage Transaction Account

Make unlimited ANZ transactions and tap and pay using your compatible phone or wearable device with Apple Pay, Samsung Pay or Google Pay.

With an ANZ Access Advantage account you get a flexible everyday bank account that offers unlimited transactions. The Access Advantage doesn't charge a monthly fee if you deposit at least $2,000 per month. You can spend the money any way you want with the linked Visa debit card.


Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameANZ Access Advantage
Monthly account fee$5
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5
International transaction fee3%
Monthly deposit required to waive account fee$2,000
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

The ANZ Access Advantage account is designed for everyday spending with a variety of different ways to pay. Make payments in store or online with the free Visa Debit Card, or use Visa payWave to tap and go for purchases under $100. You can also link your account to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin Pay and leave your debit card at home.

There is a $5 monthly account keeping fee for this account. This can be waived if you deposit $2,000 a month, and it’s also waived if you’re a full time student or you’re under 21. That being said, there are a lot of transaction accounts in the market with no account keeping fees and no deposit conditions to meet.

You can make free ATM withdrawals at all ANZ, CBA, NAB and Westpac ATMs in Australia. This account does charge overseas ATM withdrawal fees and international transaction fees, so keep this in mind if you plan to do a lot of overseas travelling with this card.

Key features

Apple Pay available with your linked ANZ Visa Debit card

ANZ was the first out of the big four banks in Australia to launch Apple Pay. Apple Pay lets you purchase items with one natural motion. All you need to do is hold your iPhone 6s, iPhone 6 or iPhone SE to the contactless reader with your finger on Touch ID.

How to link Apple Pay with your ANZ Visa Debit card

Go to Wallet > Click on the + symbol on the top right hand corner > Use your iPhone to scan the card (you can also manually put in the details) > Enter your card security code > Verify you card via SMS

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$0 Monthly account service fee when deposit conditions are met

As long as you deposit a minimum of $2,000 into the account by the last day of the month, the monthly fee is waived. If you miss the minimum deposit one month, you will be charged $5. This is a month by month feature, so if you miss the deposit cut off in January you can still qualify for no account fees in February.

Access to your account 24/7

You have 24/7 access to your account using an ANZ issued Visa debit card. You can use your Visa debit card online, over the phone and overseas. You can use ANZ Internet Banking, the ANZ App or ANZ phone banking.

How to apply

If you make monthly deposits of $2,000 or more, and like the idea of a fee free everyday account with a debit card that works like cash, you can get started by clicking 'go to site' to be taken to the secure application page.


Check the following conditions first to ensure that you are eligible:

  • Age. Applicants must be at least 12 years old when applying for this account.
  • Residency. You must have a valid Australian residential mailing address and be an Australian resident. If you are planning on moving to Australia you can begin the account application process ahead of time through ANZ's Moving to Australia information section.

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    Default Gravatar
    February 20, 2018

    Can I link a Citibank Online Saver account with an ANZ Access Advantage account?

      Avatarfinder Customer Care
      March 12, 2018

      Hi MA,

      Thanks for your question.

      I’m afraid that it’s not possible to link your Citibank Online Saver to ANZ Access Advantage. You may have to open an ANZ Online Saver, ANZ Progress Saver or ANZ Term Deposits savings accounts then link it to the ANZ Access Advantage instead.


    Default Gravatar
    January 3, 2017


    I will be studying in Melbourne soon and I was wondering if depositing a lump sum (way more than the AUD2000.00 minimum), will it still be charged the monthly fee? Even if the remaining amount left in the account is more than AUD2000.00?

    Also, is this a simple bank account or savings account?

    Do you guys offer a savings account for international students that will not be charged when one draws money from ATMs?

    Also, where are your closest ATMs for Carlton, Melbourne?

      Avatarfinder Customer Care
      January 6, 2017

      Hi DT,

      Thanks for your question.

      The monthly account fee is waived if you deposit $2000 per month. It will not count the remaining amount from the lump sum. However, if you are a full-time student, you can request with ANZ to have the monthly fees waived.

      This is also an everyday transaction account, not a savings account. You may be interested in taking a look at our student account page to review your options. Some of these accounts charge no ATM fees provided you withdraw from ATMs within the same bank network.

      I hope this helps.


    Default Gravatar
    May 28, 2016

    I left Australia for 6 months, now I realized that my ANZ bank account still active, how could I closed it from abroad? thank you for your advice

      Avatarfinder Customer Care
      May 30, 2016

      Hi Duy,

      Thanks for your question.

      If you can, the best way would be to make an international call to the ANZ Customer service centre.

      Otherwise, you could try using their online contact centre, though they may instruct you to call them anyway.

    Default Gravatar
    April 30, 2016

    Does anz do cardless cash ?

      Avatarfinder Customer Care
      May 2, 2016

      Hi Ethel,

      Thanks for your question.

      ANZ doesn’t support cardless cash, though ANZ has just recently launched Apple Pay.

    Default Gravatar
    February 10, 2016

    with anz access advantage you say I can only get electronic bills .I prefer to get my bills in the post, if I was to apply for access advantage can I get my bills by post?

      Avatarfinder Customer Care
      February 11, 2016

      Hi Ian,

      Thanks for your question.

      Yes you can definitely customise your ANZ Access Advantage to have your statements posted. Once you’ve opened the account, please get in touch with ANZ directly to organise this.

      Hope this helps.

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