In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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ANZ Access Basic

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ANZ Access Basic

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Account keeping fee
$0
ATM withdrawal fee
$0
Overseas ATM withdrawal fee
$5
Overseas transaction fee of transaction value
3%

Our verdict

A convenient everyday bank account for Concession and Health Care card holders.

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

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

This account is a simple, basic bank account you can use to hold or spend your money, and it's quite flexible because you can link to other ANZ accounts. 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.

Pros

  • No monthly account keeping fee
  • ANZ App, Internet and mobile banking available
  • Apple Pay available with linked ANZ Visa Debit or Access card
  • No monthly deposit requirements

Cons

  • Must be a Concession or Health Care card holder
  • Cannot apply for this account online
  • Cannot use the ANZ Access card for online purchases
  • Overseas transaction fee and overseas ATM withdrawal fee applies

In this guide

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

Details

Key details

Product Name ANZ Access Basic
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International ATM Fee $5
International transaction fee 3%
Monthly deposit required to waive account fee N/A
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

The ANZ Access Basic is only for Concession or Health Care card holders. And you need to apply in person to open an account.

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.

Eligibility

  • 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).

Your reviews

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Ask a question

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Alison Finder

Editor

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Avatar

Ioan Ramneantu

December 18, 2022

Hi, I have recently opened an Access Advantage Account, and the card I’ve received it’s called access debit eftpos card. My question is, will I be able to use this card for withdraw money form ATM when I go overseas.

Looking foward to your reply

Kind regards

Ioan Ramneantu


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Alison Banney Finder

December 24, 2022

Hi Ioan,


Yes, that’s correct. An EFTPOS card is compatible with an ATM. This means you can withdraw money from an ATM using your EFTPOS card.


Regards,

Alison


Avatar

Robert “Bob” Hahn

November 18, 2022

I need an account that gives me at least 2 sub accounts + my EDT account for my savings and for my direct debits used for my bills.

Where I can have money automatically transferred into two subs when my Centrelink payment gets paid every fortnight.


Avatar

Alison Banney Finder

November 22, 2022

Hi Bob,


The ANZ Access Basic doesn’t include sub-accounts but it can be linked to accounts like ANZ Progress Saver, ANZ Online Saver, or both.


Thanks,

Alison


Avatar

Bob

November 17, 2022

Regarding your Basic Account, does it come with sub accounts?


Avatar

Alison Banney Finder

February 23, 2023

Hi Bob,

The ANZ Access Basic account doesn’t come with sub accounts. You can link it to another ANZ savings account though, if you’d like to do that.

Thanks,

Alison


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