ANZANZ Access Advantage
An everyday account with easy and secure banking, unlimited ANZ Transactions and Visa Debit card
At a glance
- Monthly fee
- $5
Rates
The one rate ANZ publishes for this account.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Penalty | - | - | - | 20.95% | - | Retail Index Rate + 8.5% |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Penalty | 20.70% | 20.95% | up 0.25 |
Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.
Fees
8 fees published, grouped by when they're charged.
While you hold it1
- Account Service
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
$5 a month
When you make a transaction2
- Overseas ATM Transaction Fee
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
$5 - Overseas Transaction Fee
ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account.
3.00% of transaction
If a payment is late or fails1
- Dishonour Fee
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…
$6
When particular things happen4
- Bank Cheque Repurchase Fee$25
- Bank Cheque Request at ANZ Branch
Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder.
$10 - Replacement for lost or stolen bank cheque$32.50
- Telegraphic transfer within Australia from your ANZ account to another account$28
Features
- 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…
Eligibility and limits
- Minimum age 12
- Residency: You must be an Australian resident with an Australian residential and mailing address.
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Published by ANZ under the Consumer Data Right, last changed by them on 9 Oct 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.