ANZ
ANZ Access Advantage
An everyday account with easy and secure banking, unlimited ANZ Transactions and Visa Debit card
Savings & transaction accountsBank updated 1 Sept 2026
At a glance
- Monthly fee
- $5
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Penalty | — | — | — | 20.70% | — | Retail Index Rate + 8.5% |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Fee | Dishonour | $6 | — | 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… |
| Bank Cheque Repurchase Fee | Event | $25 | — | — |
| Bank Cheque Request at ANZ Branch | Event | $10 | — | Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder. |
| Replacement of lost or stolen bank cheque | Event | $32.50 | — | — |
| Telegraphic transfer within Australia from your ANZ account to another account | Event | $28 | — | — |
| Account Service | Periodic | $5 | Every 1 mo | 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 Account Service waiver |
| Overseas ATM Transaction Fee | Transaction | $5 | — | 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 |
| Overseas Transaction Fee | Transaction | 3.00% of transaction | — | ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account. |
§ 03 — Features
Instant paymentsPayIDDigital bankingFraud protectionUnlimited transactionsApple PayGoogle PaySamsung PayFitbit PayGarmin Pay
- · 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.
- · 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…
§ 04 — Eligibility & limits
- · Minimum age 12
- · Residency: You must be an Australian resident with an Australian residential and mailing address.
§ 05 — Compare
§ 06 — Run the numbers
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Published by ANZ under the Consumer Data Right, last changed by them on 1 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.