ANZ Access Advantage

Amount Base Rate Max Rate
< $1000 0.00% 0.00%
$1000+ 0.00% 0.00%
$2000+ 0.00% 0.00%
$5000+ 0.00% 0.00%
$10000+ 0.00% 0.00%
$20000+ 0.00% 0.00%
$50000+ 0.01% 0.01%
$100000+ 0.02% 0.02%
$250000+ 0.02% 0.02%
$500000+ 0.02% 0.02%

  • No monthly account service fee if you deposit at least $2,000 a month, or if you meet our other eligibility criteria (normally $5 a month).
  • Use your own money online, over the phone and overseas with Visa Debit access. Plus, you get unlimited everyday transactions using ANZ ATM’s, ANZ Internet Banking, ANZ App and ANZ Phone Banking.
  • Now with Apple Pay. Use your compatible Apple device to tap and pay when you’re out and about. Terms and Conditions apply. Visit for more information.

Key Features
No Account
Keeping Fee
Linked Account

Account Details

Account Type Trans
Min. Opening Amount $0.00
Min. Balance $0.00
Monthly Account Fee $5.00
Interest Calculation Frequency Daily
Interest Payment Frequency Quarterly
Interest Paid In Steps?


ATM Withdrawal Fee $0.00
ATM Balance Fee $0.00
ATM Balance Fee $0.00
Daily ATM Withdrawal Limit $1,000.00
EFTPOS Fee $0.00
Debit Card Replacement Fee $0.00

Fee Details

Service Fee Frequency Monthly
Fee Rebate Available
Balance Required for Fee-Free $0.00


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Internet & Phone Fees

Phone Transaction Fee $0.00
Internet Transaction Fee $0.00
Free Electronic Trans. per Month Unlimited

Counter & Cheque Fees

Counter Deposit Fee $0.00
Counter Withdrawal Fee $0.00
Free Counter Trans. Per Month Unlimited
Cheque Fee $0.00
Cheque Dishonour Fee $6.00
Debit Item Dishonour Fee $6.00

Overseas Access

Overseas ATM Facilities
Overseas ATM Balance Fee $0.00
Overseas ATM Withdrawal Fee $5.00
Overseas EFTPOS Fee $0.00
OS Emergency Card Replacement $0.00
Overdrawn Account Fee $6.00
Foreign Transaction Fee 3%