ANZ Access Advantage

ANZ Access Advantage

Fee Free Deposit


Account Keeping Fee


Enjoy unlimited transactions at ANZ ATMs, EFTPOS, Internet, Mobile and Phone Banking.

  • Apple Pay & Android Pay available
  • 24/7 Security and fraud monitoring on your account
  • $0 monthly fee if you can deposit $2,000 per month

Product details

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.


Enjoy the convenience of making purchases with your iPhone or Android device.

Product Name
ANZ Access Advantage
Monthly Account Fee
Debit Card Access
ATM Withdrawal Fee
Interest Rate p.a.
$0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at ANZ ATMs.
Joint Application
Fee Free Deposit p.m.
Overseas ATM Withdrawal Fee
Overseas Eftpos Fee
Phone Banking
Internet Banking

What are the features of the ANZ Access Advantage account?

With the ANZ Access Advantage everyday account you can manage your funds and track your spending from one convenient account. ANZ offers a variety of features that are worth considering when comparing to other banks.

Apple Pay

Apple Pay available with your linked ANZ Visa Debit card

ANZ is 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

Photo source:

$0 Monthly account service fee

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.

Mobile app available

You can access your account on the go with the ANZ App. You can use the app to view your balance, track your spending and make payments quickly and easily, and can use your fingerprint or a unique PIN to log in quickly and securely.

Range of contactless payment options available

ANZ offers Apple Pay, ANZ Mobile Pay, Google Pay and Samsung Pay, allowing you to simply tap and pay with your smartphone instead of using your debit card. Plus ANZ also enables you to make secure, contactless payments with a range of wearable devices, including Fitbit Pay and Garmin Pay.

$0 withdrawal fees at ANZ ATMs

You can take advantage of free, unlimited transactions with your debit card by using it at ANZ ATMs and EFTPOS.

$5 withdrawal fees for overseas ATMs

Be aware that a $5 fee applies for each transaction at an overseas non-ANZ ATM. You will also be charged 3% of the transaction value on top of this fee, and the ATM provider may also charge their own transaction fee.

International transaction fee

For any transactions made overseas, e.g.: EFTPOS transactions, you be will charged 3% of the transaction value.

$0 transaction fees

Free unlimited transactions are also provided when you access ANZ internet and phone banking.

Link to an ANZ savings account and earn interest

You can link your ANZ Access Advantage account with the ANZ Online Saver, ANZ Progress Saver or ANZ Term Deposits savings accounts.

Tiered interest rates to help you boost your savings

The higher your balance, the higher your interest rate.

Added security with ANZ Falcon

Enjoy added security provided by the ANZ Falcon fraud monitor to watch over all of your Access Visa debit card transactions. Whether you’re shopping overseas or online, all transactions are automatically monitored. Any unusual or suspicious activity will be surveilled.

Optional overdraft and Informal Overdraft Facility

You can add an optional overdraft up to $500 or $1,000 to your account, so you can avoid dishonour fees if your account balance goes into the negative.

If you don't wish to add an optional overdraft, ANZ also offers an Informal Overdraft Facility. This means if you overdraw your account by less than $50 you won't be charged any fees. However, if your account becomes overdrawn by more than $50, a $6 daily fee applies (capped at 10 businesses days a month).

Get your monthly fee waived by meeting any of the following criteria

  • If you're under 25 years of age or over 60
  • You're a full time student at an Australia educational institution
  • You currently receive a disability support pension or mobility allowance from Centrelink
  • You currently have a ANZ home loan and have your salary credited to that account
  • You have a combined deposit balance of $50,000 or more with ANZ

The benefits of the ANZ Visa Debit card

  • You use your own money. Eliminate the risk of getting into debt by using your own money with the Visa debit card.
  • You can make contactless payments using Visa payWave. Pay for your purchases under $100 with a ‘tap’ of your Visa debit card, giving you the convenience of making purchases on the go.
  • You can choose from three colours. Choose from black, pink and blue when picking out your Visa debit card.
  • You're protected by Visa Zero liability. If you’ve noticed fraudulent transactions on your statements, let ANZ know if anything appears incorrect as soon as possible so swift action can be taken. With Visa’s Zero Liability policy, you won’t be held responsible.


  • Apple Pay available with linked ANZ Visa Debit card
  • Ability to personalise graphics on your linked Visa debit card
  • $0 Minimum deposit requirement


  • Minimum $2,000 deposit required every month to get the $0 monthly fee
  • 3% international transaction fees apply
  • $5 Overseas ATM Withdrawal Fee

How do I apply for the ANZ Access Advantage account?

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.

Eligibility to apply online

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.
  • Account purpose. The ANZ Access Advantage everyday account is only for personal use, and not intended for businesses.

Documentation to apply online

If you are eligible then continue on to your application for the ANZ Access Advantage account, which can be completed entirely online. It should take no more than ten minutes to finish filling out so long as you have the following information readily available:

  • Identification. You will be asked to confirm your identity using a primary identification document such as an Australian driver’s licence, passport, birth certificate or Medicare card. If you are a minor you can use your birth certificate along with another document such as a school issued ID card or Medicare card.
  • ANZ customer registration number. If you are an existing ANZ customer you will be asked to provide the number that you use for ANZ internet and telephone banking.
  • Citizens of the United States. If you are an Australian resident, yet a citizen of the United States, you will have to disclose this information at the time of application.

What happens after I submit my application?

Once you submit the application it may take up to two business days for your account to be set up while ANZ verifies your identity electronically. At that point you can begin making your monthly deposits in order to reach the $2,000 minimum needed to take advantage of the no monthly fee.

Back to top Back to top Back to top

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

18 Responses

  1. Default Gravatar
    MAFebruary 20, 2018

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

    • Avatarfinder Customer Care
      MayMarch 12, 2018Staff

      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.


  2. Default Gravatar
    DTJanuary 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
      ClarizzaJanuary 6, 2017Staff

      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.

      Please note, we are a comparison website and provide general advice only.


  3. Default Gravatar
    DuyMay 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
      ShirleyMay 30, 2016Staff

      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.

  4. Default Gravatar
    ethelApril 30, 2016

    Does anz do cardless cash ?

    • Avatarfinder Customer Care
      ShirleyMay 2, 2016Staff

      Hi Ethel,

      Thanks for your question.

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

  5. Default Gravatar
    ianFebruary 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
      ShirleyFebruary 11, 2016Staff

      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.

  6. Default Gravatar
    WeiDecember 31, 2015

    Hi, I have applied for a new debit card online and i noticed that i now have two access advantage accounts as i am an existing customer. Would it be possible to cancel the new account and link the debit card to the existing one? Also when should i be expecting to receive my new card and does it come with a pin?

    • Avatarfinder Customer Care
      ShirleyDecember 31, 2015Staff

      Hi Wei,

      Thanks for your question.

      Yes this is possible with ANZ, though you’ll need to call them directly to organise this.

      All the best,

  7. Default Gravatar
    CharlieDecember 18, 2015


    Can I apply for an account online or do I have to go to bank in person?


    • Avatarfinder Customer Care
      ShirleyDecember 21, 2015Staff

      Hi Charlie,

      Thanks for your question.

      Please refer to our ‘how to apply’ section to see if you’re eligible to apply online. If you’re not eligible, it’s best to apply over the phone or in person.


  8. Default Gravatar
    georgieNovember 25, 2015

    Does ANZ have cardless cash available at their ATMs?

    • Avatarfinder Customer Care
      ShirleyNovember 25, 2015Staff

      Hi Georgie,

      Thanks for your question.

      Unfortunately ANZ doesn’t have cardless cash available at their ATMS just yet.


  9. Default Gravatar
    JulieNovember 13, 2015

    How do I instruct for UK pounds to be deposited into my progress savers account in Australia

    • Avatarfinder Customer Care
      ShirleyNovember 18, 2015Staff

      Hi Julie,

      Thanks for your question.

      Unfortunately due to the nature of this account, it can only hold AUD. If you’d like to hold GBP in your account, you may want to consider a multi-currency account instead.


Ask a question
Go to site