In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Compare other transaction accounts
  • Your reviews
  • Ask a question
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ANZ Access Advantage Transaction Account

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ANZ Access Advantage

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Fee Free Deposit
$2,000
Account keeping fee
$5
ATM withdrawal fee
$0
Overseas ATM withdrawal fee
$5

Our verdict

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

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.

Pros

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

Cons

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

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Compare other transaction accounts
  • Your reviews
  • Ask a question

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.

Details

Key details

Product Name ANZ Access Advantage
Monthly account fee $5
Card access Visa
Own network ATM fee $0
International ATM Fee $5
International transaction fee 3%
Monthly deposit required to waive account fee $2,000
Contactless Payments Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Eligibility

Minimum Age 12
Joint account availability Yes
Minimum opening deposit N/A
Residency status Permanent Australian residents with an Australian address

Key features

Picture not described

Apple Pay available with your linked ANZ Visa Debit card

ANZ was the first 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 your card via SMS.

Photo source: Apple.com

$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

Eligibility

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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Alison Finder

Editor

Hi there, looking for more information? Ask us a question.

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Lena

February 27, 2024

I lived in Australia for 1 year and used this card. However, I returned to my country and I still pay the $5 fee per month. How can I stop the fees from my contry?


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Sarah Megginson Finder

May 17, 2024

Hi Lena,


You’ll need to contact ANZ for customer support, you can reach them on 13 13 14.


Best of luck!


Avatar

Louise

October 13, 2023

What is the interest rate for 7 months on $200,000


Avatar

Angus Kidman Finder

October 18, 2023

Currently this account pays 0.01% on amounts between $50,000 and $99,999, and 0.02% on amounts above that. Those rates are not fixed and can change. This is a transaction account so interest isn’t a key feature – you might want to compare high-interest accounts to find other options. Hope this helps.


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Jose

July 16, 2023

Hi,

Please can you tell me how much the fees are for opening a term Deposit of $100.000.00 with earning interest of 4.75% for 12 months?

I will appreciate your important information.


Thank you very much.


Kind regards

Hi, please tell me how much the fees are for opening a term Deposit for 12 Months at an interest-earning of 4.75% p.a.

I will appreciate your valuable information.


Thank you very much.


Kind regards


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Alison Banney Finder

July 21, 2023

Hi Jose, there are no fees to pay when opening a term deposit account.


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MA

February 20, 2018

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


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May Finder

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.


Cheers,

May


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DT

January 03, 2017

Hi,


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?


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Clarizza Fernandez Finder

January 06, 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.


Regards,

Clarizza


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