ANZ Access Advantage Transaction Account

Mobile app available

You can access your account on the go with the ANZ app. You can use the app to view your balance, track your spending and make payments quickly and easily. You can use your fingerprint or a unique PIN to log in quickly and securely.

Range of contactless payment options available

ANZ offers Apple Pay, ANZ Mobile Pay, Google Pay and Samsung Pay, allowing you to simply tap and pay with your smartphone instead of using your debit card. ANZ also enables you to make secure, contactless payments with a range of wearable devices, including Garmin Pay.

Unlimited ANZ transactions and $0 withdrawal fees at thousands of ATMs

You can take advantage of free, unlimited ANZ transactions with your debit card by using it at ANZ ATMs and EFTPOS, plus unlimited electronic transfers. You can also make free ATM withdrawals at all CBA, NAB and Westpac ATMs in Australia.

$5 withdrawal fees for overseas ATMs

Be aware that a $5 fee applies for each transaction at an overseas non-ANZ ATM, and the ATM provider may also charge their own transaction fee.

International transaction fee

For any transactions made overseas, for example EFTPOS transactions, you be will charged 3% of the transaction value.

$0 transaction fees

Free unlimited transactions are also provided when you access ANZ Internet and phone banking.

Link to an ANZ savings account and earn interest

You can link your ANZ Access Advantage account with the ANZ Online Saver, ANZ Progress Saver or ANZ Term Deposits savings accounts.

Tiered interest rates to help you boost your savings

The higher your balance, the higher your interest rate.

Added security with ANZ Falcon

Enjoy added security provided by the ANZ Falcon fraud monitor to watch over all of your Access Visa debit card transactions. Whether you're shopping overseas or online, all transactions are automatically monitored. If ANZ notices any suspicious activity, it will attempt to contact you.

Optional overdraft and informal overdraft facility

You can add an optional overdraft up to $500 or $1,000 to your account, so you can avoid dishonour fees if your account balance goes into the negative.

If you don't wish to add an optional overdraft, ANZ also offers an informal overdraft facility. This means if you overdraw your account by less than $50, you won't be charged any fees. However, if your account becomes overdrawn by more than $50, a $6 daily fee applies (capped at 10 business days a month).

Get your monthly fee waived by meeting any of the following criteria

• If you're under 25 years of age or over 60
• You're a full-time student at an Australian educational institution
• You currently receive a disability support pension or mobility allowance from Centrelink
• You currently have an ANZ home loan and have your salary credited to that account
• You have a combined deposit balance of $50,000 or more with ANZ

• Account purpose. The ANZ Access Advantage everyday account is only for personal use and is not intended for businesses.

Documentation needed

If you are eligible, then continue on to your application for the ANZ Access Advantage account, which can be completed entirely online. It should take no more than 10 minutes to finish filling out as long as you have the following information readily available:

• Identification. You will be asked to confirm your identity using a primary identification document such as an Australian driver's licence, passport, birth certificate or Medicare card. If you are a minor, you can use your birth certificate along with another document such as a school-issued ID card or Medicare card.
• ANZ customer registration number. If you are an existing ANZ customer, you will be asked to provide the number that you use for ANZ Internet and telephone banking.
• Citizens of the United States. If you are an Australian resident and a citizen of the United States, you will have to disclose this information at the time of application.

What happens after I submit my application?

Once you submit the application, it may take up to 2 business days for your account to be set up while ANZ verifies your identity electronically. At that point, you can begin making your monthly deposits in order to reach the $2,000 minimum needed to take advantage of the no monthly fee.