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ANZ / Transaction & savings
ANZ Access Advantage
An everyday account with easy and secure banking, unlimited ANZ Transactions and Visa Debit card
Updated 1 Sept 2026Individually tailored product
No deposit rates were provided.
- Additional value
- Retail Index Rate + 8.5%
- Applicability conditions
- Application frequency
- 1 month
- Application type
- Periodic
- Calculation frequency
- 1 day
- Interest payment due
- In arrears
- Lending rate type
- Penalty
- Loan purpose
- Other
- Rate
- 20.7%
- Repayment type
- Other
- Tiers
- Additional info
- No monthly account service fee if you deposit at least $2,000 by the last business day of the month, are under 25 or meet other eligibility criteria
- Additional info uri
- View bank information ↗
- Additional value
- 1 month
- Currency
- Aud
- Discounts
- Additional info
- Account holders may apply to waive the monthly account service fee on one nominated ANZ Access Advantage account if you meet the eligibility criteria
- Description
- Account Service waiver
- Discount method utype
- fixedAmount
- Discount type
- Eligibility only
- Eligibility
- Additional info
- Receive a disability support pension or mobility allowance from Centrelink
- Additional value
- Receive a disability support pension or mobility allowance from Centrelink
- Discount eligibility type
- Pension recipient
- Additional info
- Over 60 years of age
- Additional value
- 60
- Discount eligibility type
- Min age
- Additional info
- Under 25 years of age
- Additional value
- 25
- Discount eligibility type
- Max age
- Additional info
- A full-time student at an Australian educational institution
- Additional value
- A full-time student at an Australian educational institution
- Discount eligibility type
- Student
- Additional info
- Deposit $2,000 or more by the last business day of the calendar month. You must satisfy this requirement to be eligible for the waiver in a particular month.
- Discount eligibility type
- Other
- Additional info
- You have an eligible ANZ Home Loan, or ANZ Residential Investment Loan and have your wages or salary paid into your ANZ account. Loans not eligible include ANZ Simplicity PLUS and ANZ Interest-in-Advance Residential Investment Loans.
- Discount eligibility type
- Other
- Additional info
- You have a total of $50,000 or more in one or more of the following personal accounts – ANZ Access Advantage, ANZ Passbook Savings, ANZ Premium Cash Management, ANZ Progress Saver, an ANZ Term deposit, ANZ Online Saver or ANZ V2 PLUS (this does not include ANZ V2 PLUS accounts opened through approved ANZ intermediaries or ANZ V2+Broking accounts).
- Discount eligibility type
- Other
- Fixed amount
- Amount
- $5.00
- Fee method utype
- fixedAmount
- Fee type
- Periodic
- Fixed amount
- Amount
- $5.00
- Name
- Account Service
- Additional info
- Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder.
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Event
- Fixed amount
- Amount
- $10.00
- Name
- Bank Cheque Request at ANZ Branch
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Event
- Fixed amount
- Amount
- $28.00
- Name
- Telegraphic transfer within Australia from your ANZ account to another account
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Event
- Fixed amount
- Amount
- $25.00
- Name
- Bank Cheque Repurchase Fee
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Event
- Fixed amount
- Amount
- $32.50
- Name
- Replacement of lost or stolen bank cheque
- Additional info
- Applicable for a withdrawal from a non-ANZ ATM outside Australia (per withdrawal), and debited to your account at the same time as the withdrawal is debited
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Transaction
- Fixed amount
- Amount
- $5.00
- Name
- Overseas ATM Transaction Fee
- Additional info
- ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account.
- Additional info uri
- View bank information ↗
- Discounts
- Fee method utype
- rateBased
- Fee type
- Transaction
- Name
- Overseas Transaction Fee
- Rate based
- Rate
- 3%
- Rate type
- Transaction
- Additional info
- Debited to your account on the day of the dishonour for determining whether to process a debit to your account using the Informal Overdraft facility, where that debit is declined. A Dishonour Fee is only debited when the payment from your account that is declined was attempted via cheque or direct debit
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Dishonour
- Fixed amount
- Amount
- $6.00
- Name
- Dishonour Fee
- Additional value
- Any ANZ card
- Feature type
- Card access
- Additional info
- Access using ANZ Internet Banking or ANZ App
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- Additional info uri
- View bank information ↗
- Feature type
- Npp payid
- Additional info uri
- View bank information ↗
- Feature type
- Npp enabled
- Additional info uri
- View bank information ↗
- Additional value
- Apple Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Google Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Samsung Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Fitbit Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Garmin Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Bpay
- Feature type
- Bill payment
- Additional info
- Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Access Visa Debit Card and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.
- Additional info uri
- View bank information ↗
- Feature type
- Unlimited txns
- Feature type
- Fraud protection
- Additional info uri
- View bank information ↗
- Additional value
- PayTo
- Feature type
- Bill payment
- Additional info
- Do more with your banking You can easily set up mobile payment on your compatible devices with your eligible ANZ cards so you can tap and pay on the go or make faster payments using PayID.
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- Create a PayID® on your eligible account (PDF) using your mobile phone, email or ABN/ACN (if eligible). With PayID, it's easier to receive payments or set up a PayTo agreement by sharing your PayID instead of your BSB and account number.
- Additional info uri
- View bank information ↗
- Feature type
- Npp payid
- Additional info
- Take care of the day to day with the ANZ App Download the ANZ App for iPhone or Android and view, make or schedule payments and transfers, temporarily block and unblock your card change your profile details, set a savings goal and so much more
- Additional info uri
- View bank information ↗
- Feature type
- Other
- Additional info
- You must be 12 years of age or older to apply
- Additional value
- 12
- Eligibility type
- Min age
- Additional value
- You must be an Australian resident with an Australian residential and mailing address.
- Eligibility type
- Residency status
No limits & conditions were provided.
No bundles were provided.