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.
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee
of transaction value
Alison Banney is the banking and investments editor at Finder. She has written about finance for over six years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.
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.
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).
ANZ Access card or ANZ Visa Debit card
You can link this account to an ANZ Visa Debit card or an ANZ Access card to withdraw money from ATMs, make purchases in store and with ANZ Internet Banking, the ANZ App or ANZ phone banking. You can also use your ANZ Visa Debit card online and over the phone.
Have the freedom to make unlimited ANZ transactions each month.
Internet and mobile banking
Manage your finances at home via ANZ Internet banking, or on the go with the ANZ goMoney mobile banking app. Plus, ANZ Phone Banking is also available if you’d like to speak with someone about your banking.
Security features in place
ANZ Falcon monitors your account for transactions that appear out of the ordinary, and you’ll be refunded for any fraudulent transactions that you didn’t contribute to. Plus, you can download the ANZ Shield mobile app for even more security, which will generate unique codes to authorise large transactions.
Government deposit guarantee
Your deposits up to $250,000 are protected by the government under this guarantee.
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).
- You must hold a Seniors Concessions card, Pensioner Concession card, Centrelink Health Care card or a Repatriation Health card (Department of Veterans Affairs).