Thumbnail icon for ANZ

ANZ Access Advantage

Advertiser disclosure
Account fee
$5.00
Payment options
Apple Pay, Google Pay, PayID, Samsung Pay, Garmin, Fitbit
Interest rate
0% p.a.

Mozo editorial review ANZ Access Advantage

Last updated: 4 May 2020.

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What's hot
  • Option to pay via Apple Pay
  • No minimum balance
What's not
  • $5 monthly fee (waived if you deposit $2000 into the account each month)
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 but this is waived if you deposit $2000 into your account each month. The account comes with the option to get an image of your choice on your ATM card for free, so this could be Fluffy or Buster's chance to finally score a place in your wallet.

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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 ANZ Access Advantage account has minimal interest on balances: 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 and PayWave access, so you'll be able to make transactions under $100 by simply flashing your card or phone. Plus, Visa debit transactions are covered by ANZ's Falcon Fraud Protection monitoring, so you'll have peace of mind when online shopping. You'll also be able to make payments using Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay.

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 there is also a 3.00% foreign exchange commission on all international transactions.
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Who is it good for

The ANZ Access Advantage is a great everyday transaction account option, especially if you're after full branch access on a regular basis, as all over the counter and teller assistance is included in the $5 monthly fee.

Plus, if you deposit over $2000 into your account each month, then the monthly account fee will be waived.

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Any catches

The ANZ Access Advantage account comes with a $1,000 daily ATM withdrawal limit, so you'll need to plan in advance if you're going to make any large withdrawals.

Details

Rates and fees information correct as at 24 November 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Balances from $0: 0.00% p.a.
    Balances from $50,000: 0.01% p.a.
    Balances from $100,000: 0.02% p.a.

  • n/a

  • n/a

Fees
  • $5.00

  • $0 monthly account fee if you deposit min. $2,000 per month

  • Unlimited free transactions from own-bank ATM, EFTPOS, cheque, counter withdrawals, counter deposits, phone and internet

  • $0.00

  • ANZ

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • $5.00

  • 3.00%

  • $0.00 monthly

Other financial bits
  • $0.00

  • $0.00

Features
  • $1,000.00

  • yes

  • no

  • yes

  • yes

  • yes

  • yes

  • no

  • none

  • none

Atm card
  • $5.00

  • $0.00

  • 3.00%

Debit card
  • $5.00

  • $0.00

  • 3.00%

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay, Garmin, Fitbit

Customer Reviews

How are ANZ bank accounts rated by the Mozo community?

Overall
7.3/10

Based on 4518 ANZ bank account reviews

Price
6.5/10
Features
6.2/10
Customer service
7.3/10
Convenience
7.8/10
Trust
7.3/10

Latest reviews of ANZ Access Advantage

  • Overall 5/10
    I don't like or dislike this bank.

    I don't like or dislike this bank as I find they are all the same.

    Read full review

    I don't like or dislike this bank as I find they are all the same.

    Price
    4/10
    Features
    4/10
    Customer service
    4/10
    Convenience
    4/10
    Trust
    5/10
    Less
    Megan, Queensland reviewed 2 days ago
  • Overall 7/10
    Good overall product.

    Strict guidelines on personal loans.

    Read full review

    Strict guidelines on personal loans.

    Price
    7/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    7/10
    Less
    Ian, Western Australia reviewed 6 days ago
  • Overall 10/10
    ANZ has unbeatable rates, customer service, 10/10

    I have been with ANZ for as long as I can remember, from an account set up by my parents to my own accounts once getting jobs as I got older. I have always felt safe and cared for with ANZ and believe they have unbeatable interest rates, customer service and is the bank to be with.

    Read full review

    I have been with ANZ for as long as I can remember, from an account set up by my parents to my own accounts once getting jobs as I got older. I have always felt safe and cared for with ANZ and believe they have unbeatable interest rates, customer service and is the bank to be with.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Megan, Tasmania reviewed 6 days ago
  • Overall 10/10
    Awesome bank.

    Love ANZ, the people are so easy to deal with.

    Read full review

    Love ANZ, the people are so easy to deal with.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Anne, Victoria reviewed 20 days ago
  • Overall 8/10
    ANZ Access Advantage

    ANZ are very easy to bank with and their app makes everything very easily accessible and easy to use.

    Read full review

    ANZ are very easy to bank with and their app makes everything very easily accessible and easy to use.

    Price
    10/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Caitlin, Northern Territory reviewed 21 days ago
ANZ

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 App, it's easier to do banking on the go.

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