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ANZ Access Basic

A convenient everyday account designed especially for Concession and Health Care card holders

This everyday transaction account can help you manage your day-to-day spending, and charges no account keeping fees. To be eligible for this account you must be a Concession or Health Care card holder.

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Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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

Review by

Alison Banney is the banking and superannuation 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

This is an everyday transaction account for Australian Concession or Health Care card holders only. It charges no account keeping fees and there’s no monthly deposit conditions to meet or minimum ongoing balance requirement.

It comes with an ANZ Visa Debit Card which you can use to make unlimited free transactions at EFTPOS terminals or via Internet, phone and mobile banking.

If you’re not a Concession or Health Care card holder, you can take a look at the ANZ Access Advantage Account instead. This account is very similar, however it does charge a $5 monthly account keeping fee unless you can deposit $2,000 a month.

Key features

No account keeping fee

There’s no setup fees or monthly account keeping fee with this account.

For Concession card holders only

Eligible Concession cards include: Seniors Concession card, Pension Concession card, Centrelink Health Care or Repatriation Health cards (Department of Veterans’ Affairs).

How to apply

If you've decided the ANZ Access Basic account is right for you, you can apply over the phone or in an ANZ branch. First, make sure you meet the following eligibility requirements and have the necessary documents handy.


  • You must be an Australian resident with an Australian residential address
  • You must provide accepted ID to verify your identity (or be an existing ANZ customer).

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