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.
ANZ Access Advantage Transaction Account
![ANZ Access Advantage](https://www.finder.com.au/niche-builder/6177ba6d5a54a.png)
- 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
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 |
![Kelly Vieira's headshot](https://www.finder.com.au/finder-au/wp-uploads/2024/07/KellyVieira_Supplied_192x192.jpg)
"This account isn't anything flash - a $5 monthly fee is kind of a letdown compared to others in the market. But if you opt for a home loan with ANZ, you can add this account as an offset for just $10 per month, which is less than the annual fee for a bunch of other loan products with offsets. Plus ANZ still has a brick-and-mortar presence (at least in Sydney) which has been useful when I have needed to expedite some things and live chatbots just weren't cutting it. "
Compare other transaction accounts
Your reviews
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Alison Finder
Editor
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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!
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Louise
October 13, 2023
What is the interest rate for 7 months on $200,000
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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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![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2021/07/AlisonBanney_Finder_600x600.jpg)
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?
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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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?