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 7.9 Based on 36
ANZ bank account reviews
7.3 7.2 8.2 8.3 8.0

Read ANZ bank account reviews by the Mozo community

Latest reviews of ANZ Access Advantage

  • Loyalty= 40yrs as a customer

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

    Trust the brand and trust service and trust their products.  Full review 

    Trust the brand and trust service and trust their products.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ bank account review by Anita from Western Australia

    Was this review helpful? Yes flag

  • Great customer service and advice

    1. Overall customer rating
    2. (Reviewed 8 days ago)

    Always had our best interest at heart regardiing best rates /options for everyday banking. Not much movement with a better home loan interest rate. Customer service has always been great and helpful.  Full review 

    Always had our best interest at heart regardiing best rates /options for everyday banking. Not much movement with a better home loan interest rate. Customer service has always been great and helpful.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ bank account review by Ally from Tasmania

    Was this review helpful? Yes flag

  • Staff hampered by the organisation

    1. Overall customer rating
    2. (Reviewed 8 days ago)

    Have had had somewonderful support from staff, esp local bank manager. But some misinformation and unnecessary calls have soured the experience.  Full review 

    Have had had somewonderful support from staff, esp local bank manager. But some misinformation and unnecessary calls have soured the experience.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ bank account review by Kerry from Queensland

    Was this review helpful? Yes flag

  • Great with numbers

    1. Overall customer rating
    2. (Reviewed 10 days ago)

    I like that the bank is local, easy to get to and that I can do everything I need to, however they have a ticket system that drives me mad..........It's like playing Lotto every time I visit the branch, waiting for your number to come up!  Full review 

    I like that the bank is local, easy to get to and that I can do everything I need to, however they have a ticket system that drives me mad..........It's like playing Lotto every time I visit the branch, waiting for your number to come up!


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ bank account review by Jo from Queensland

    Was this review helpful? Yes flag

  • Bank with the best

    1. Overall customer rating
    2. (Reviewed 10 days ago)

    ANZ has recently been offering AUD 100/- as an incentive for Aussies to open an Access Advantage savings account with them ... Which no other bank does !! Now that is a good "understanding" in banking - put into everyday practice!  Full review 

    ANZ has recently been offering AUD 100/- as an incentive for Aussies to open an Access Advantage savings account with them ... Which no other bank does !! Now that is a good "understanding" in banking - put into everyday practice!


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ bank account review by Isaac from New South Wales

    Was this review helpful? Yes flag

  • Show more reviews

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
$0 monthly account fee if you deposit min. $2,000 per month
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
none

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.

Compare other bank accounts

Other bank accounts from ANZ