ANZ Access Advantage

  • ANZ
  • ANZ

  • Visa Debit or
    EFTPOS

ANZ Access Advantage Review

Review updated: 1 April 2014
Review published: 4 October 2012

What's hot:

  • No minimum balance

What's not:

  • $5 monthly fee

Mozo snapshot:

The ANZ Access Advantage account is your standard bank account with unlimited ANZ ATM access, internet and phone banking. It has a $5 monthly service fee which is value for money if you need regular branch access or teller assistance (This fee is waived if you deposit $2000 into your account each month). If you do all your banking electronically there are other fee free options on the market that are worth considering. You can also get an image of your choice on your card for free, so this could be Fluffy or Buster's chance to finally score a place in your wallet!

Key features:

There are no minimum opening deposits or minimum balance requirements with an ANZ Access Advantage account. You'll get unlimited transactions from ANZ ATMs, phone and internet banking, full branch access, and EFTPOS.

As with most everyday transaction accounts the interest on balances is minimal - 0% on balances under $50,000, 0.01% above $50,000 and 0.02% over $100,000.

The ANZ Access Advantage account comes with a Visa debit card that has PayWave access, so you can make transactions under $100 simply by flashing your card. Plus Visa debit transaction have ANZ's Falcon fraud protection monitoring so you'll have peace of mind when online shopping.

If you're heading overseas you'll need to plan carefully if you want to avoid high fees with the ANZ Access Advantage. Overseas ATM withdrawals cost $5 a pop and purchases attract a 3.0% foreign exchange commission.

Who it's good for:

The ANZ Access Advantage is particularly good for anyone who needs full branch access on a regular basis as all over the counter and teller assistance is included in the $5 monthly fee.

If you are a full time student or you deposit over $2000 each month into the account, the monthly account fee can be waived.

Any catches?

The ANZ Access Advantage account has a $1000 a day ATM withdrawal limit, so you'll need to plan in advance if you're going to make any large purchases.

How are ANZ bank accounts rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
ANZ bank account 7.5 Based on 663
ANZ bank account reviews
6.6 6.4 7.5 7.9 7.5

Read ANZ bank account reviews by the Mozo community

Latest reviews of ANZ Access Advantage

    • ANZ

      Amazing customer service, amazing people

      1. Overall customer rating
      2. (Reviewed 4 days ago)

      This bank without a doubt provides AMAZING service every time I walk through the ANZ doors. Convenient and easy. Wouldn't choose anything else.  Full review 

      This bank without a doubt provides AMAZING service every time I walk through the ANZ doors. Convenient and easy. Wouldn't choose anything else.


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      ANZ bank account review by Samantha from New South Wales

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    • ANZ

      Great service, great product

      1. Overall customer rating
      2. (Reviewed 7 days ago)

      Excellent service and met all my needs.  Full review 

      Excellent service and met all my needs.


        1. Price
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        1. Customer service
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      ANZ bank account review by Holly from New South Wales

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    • ANZ

      Top notch facility

      1. Overall customer rating
      2. (Reviewed 7 days ago)

      My ANZ on-line savings and credit cards are the best I have ever come across. I can pay all my bills on-line and my accounts are linked to Fly-Buys and Frequent Flyer schemes. ANZ staff are always helpful & Chat facilities allow for instant resolu...  Full review 

      My ANZ on-line savings and credit cards are the best I have ever come across. I can pay all my bills on-line and my accounts are linked to Fly-Buys and Frequent Flyer schemes. ANZ staff are always helpful & Chat facilities allow for instant resolution of any problems.


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      ANZ bank account review by Andree from Queensland

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    • ANZ

      Great service

      1. Overall customer rating
      2. (Reviewed 18 days ago)

      I like this bank because of the people who work at my branch, they know my name and always help me with my children. I stay with them because of customer service.  Full review 

      I like this bank because of the people who work at my branch, they know my name and always help me with my children. I stay with them because of customer service.


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      ANZ bank account review by Victoria from Queensland

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    • ANZ

      Local branch of ANZ go that extra mile

      1. Overall customer rating
      2. (Reviewed 25 days ago)

      Love ANZ, been with them forever (my first bank account). The staff at my local branch know me by name and go that extra mile to help me every time I've gone in. When my cards were stolen, ANZ helped me without delay.  Full review 

      Love ANZ, been with them forever (my first bank account). The staff at my local branch know me by name and go that extra mile to help me every time I've gone in. When my cards were stolen, ANZ helped me without delay.


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      ANZ bank account review by Kel from Queensland

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    • ANZ

      Great customer service

      1. Overall customer rating
      2. (Reviewed about 2 months ago)

      ANZ Bank are on the lookout. I pay money using the internet, sometimes they send me a message to check that it is me that has sent it.  Full review 

      ANZ Bank are on the lookout. I pay money using the internet, sometimes they send me a message to check that it is me that has sent it.


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      ANZ bank account review by Merryn from Victoria

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    • ANZ

      Easy to manage

      1. Overall customer rating
      2. (Reviewed about 2 months ago)

      Easy to access and manage. Been helpful when changing account uses.  Full review 

      Easy to access and manage. Been helpful when changing account uses.


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      ANZ bank account review by Leanne from Queensland

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    • ANZ

      Convenient and great customer service

      1. Overall customer rating
      2. (Reviewed about 2 months ago)

      I love ANZ for their customer service. Great ANZ at work, no fees accounts!  Full review 

      I love ANZ for their customer service. Great ANZ at work, no fees accounts!


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      ANZ bank account review by Gemma from South Australia

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    • ANZ

      Perfect everyday Account

      1. Overall customer rating
      2. (Reviewed about 2 months ago)

      As an everyday account, this one is excellent. There are no fees and it is easily accessible online - in person too of course - and on my mobile app where I can pay bills, do transfers etc. I have never had a problem in the many years that I have ...  Full review 

      As an everyday account, this one is excellent. There are no fees and it is easily accessible online - in person too of course - and on my mobile app where I can pay bills, do transfers etc. I have never had a problem in the many years that I have had the account. Even when working overseas for several years I could access and transact on this account as though I were at home in Australia. It has all the features I need.


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      ANZ bank account review by Sue from South Australia

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    • ANZ

      Caring, helpful and trustworthy

      1. Overall customer rating
      2. (Reviewed 2 months ago)

      I have an overdraft and I keep going over the limit and they don't punish me - just waive the overdrawn fees. So nice.  Full review 

      I have an overdraft and I keep going over the limit and they don't punish me - just waive the overdrawn fees. So nice.


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      ANZ bank account review by Kirstin from Queensland

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    • ANZ

      Convenient but not special

      1. Overall customer rating
      2. (Reviewed 2 months ago)

      Although I find this bank convenient, I do not feel that any preferential treatment with regards to other products. There is no loyalty to customers.  Full review 

      Although I find this bank convenient, I do not feel that any preferential treatment with regards to other products. There is no loyalty to customers.


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      ANZ bank account review by Brett from Western Australia

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    • ANZ

      Great customer service, fees are low

      1. Overall customer rating
      2. (Reviewed 2 months ago)

      I have been with ANZ since I was 10 years old, have dealt with a few other banks, but none have compared with ANZ. They do not take a long time to respond to issues, their fees are reasonable and their customer service is so efficient and professi...  Full review 

      I have been with ANZ since I was 10 years old, have dealt with a few other banks, but none have compared with ANZ. They do not take a long time to respond to issues, their fees are reasonable and their customer service is so efficient and professional - I never have any issues dealing with ANZ!


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      ANZ bank account review by Gemma from Tasmania

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    • ANZ

      Great accessibility.

      1. Overall customer rating
      2. (Reviewed 2 months ago)

      Friendly service & great mobile access to funds anywhere in the world.  Full review 

      Friendly service & great mobile access to funds anywhere in the world.


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      ANZ bank account review by Nic from Western Australia

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    • ANZ

      ANZ have wonderful customer service

      1. Overall customer rating
      2. (Reviewed 2 months ago)

      Cons: I have had a lot of trouble with what account suits me, and every person I talked to was giving me a different account type. I had an account shut without my knowledge, that I used daily, and it took me ever to find the funds. Pros: the staf...  Full review 

      Cons: I have had a lot of trouble with what account suits me, and every person I talked to was giving me a different account type. I had an account shut without my knowledge, that I used daily, and it took me ever to find the funds. Pros: the staff are lovely on the phone, and in the branch are well presented and answer most of my questions.


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      ANZ bank account review by Mandy from New South Wales

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    • ANZ

      Great services and very supportive

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      The ANZ Bank and its staff have been fantastic. They are always considerate and helpful. This particular account has been of great assistance to my wife and I in our business and personal matters and in travel overseas. They are top notch!  Full review 

      The ANZ Bank and its staff have been fantastic. They are always considerate and helpful. This particular account has been of great assistance to my wife and I in our business and personal matters and in travel overseas. They are top notch!


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      ANZ bank account review by Dennis from Victoria

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    • ANZ

      Great customer service

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      Just feel like my money is in the right bank for saving.  Full review 

      Just feel like my money is in the right bank for saving.


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      ANZ bank account review by Jilarie from Victoria

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    • ANZ

      New customers are offered low interest visa rates

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      ANZ take advantage of my low income and need to live in overdraft, instead of offering me solutions or lower interest plans they allow me to run into debt continually and charge me excessively for the privilege. I feel stuck in this overdraft/debt...  Full review 

      ANZ take advantage of my low income and need to live in overdraft, instead of offering me solutions or lower interest plans they allow me to run into debt continually and charge me excessively for the privilege. I feel stuck in this overdraft/debt vacuum. They offer me credit, overdrafts, visas knowing full well I struggle to simply repay their high interest charges and fees.


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      ANZ bank account review by Lisa from Queensland

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    • ANZ

      All over good service

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      Major Bank so plenty of services and access to your accounts.  Full review 

      Major Bank so plenty of services and access to your accounts.


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      ANZ bank account review by Patrick from Victoria

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    • ANZ

      Great online features

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      I love the easy to use online banking for my everyday bank account.  Full review 

      I love the easy to use online banking for my everyday bank account.


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      ANZ bank account review by Danelle from Queensland

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    • ANZ

      Good customer service

      1. Overall customer rating
      2. (Reviewed 3 months ago)

      High fees and not enough choice.  Full review 

      High fees and not enough choice.


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      ANZ bank account review by Marianna from Queensland

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Rates

Rates
Balances from $0: 0.00%pa.
Balances from $50,000: 0.01%pa.
Balances from $100,000: 0.02%pa
Special Rates
none
Special rate conditions
none

Fees

Account fee
$5.00
Account fee waiver
If minimum monthly deposit is over $2000
Free transactions per month
unlimited free transactions from own-bank ATM, eftpos, cheque, phone, internet, branch withdrawal, branch deposit.
Network ATM fee
$0.00
ATM networks
ANZ
Other bank ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
Eftpos fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Cheque fee
$0.00
Overseas ATM fees
$5.00
Foreign exchange commission
3.00%

Other financial bits

Minimum opening deposit
$0.00
Minimum balance
$0.00

Features

Daily atm withdrawal limit
$1,000.00
Eftpos card
yes
Mastercard debit card
no
Visa debit card
yes
Branch access
yes
Cheque book
yes
BPAY
yes
Australia post banking
no
Other restrictions
none
Other benefits
Design your ANZ Access card with an image of your choice for free.

About ANZ

ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ goMoney, it's easier to do banking on the go.

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