ANZ Access Advantage

$5.00$0 monthly account fee if you deposit min. $2,000 per month

ANZ

Visa Debit or
EFTPOS

ANZ Access Advantage Review

Rates and fees information correct as at 28 August 2016.

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
7.6

Based on 1579
ANZ bank accounts reviews

6.7 6.6 7.6 7.9 7.6

Read ANZ bank account reviews by the Mozo community

Latest reviews of ANZ Access Advantage

ANZ

ANZ Access Advantage bank account review

Overall rating   8 / 10

The perfect bank

ANZ are extremely helpful and provide me with everything I need

Full review

ANZ are extremely helpful and provide me with everything I need

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Joshua (VIC), reviewed 17 days ago

ANZ

ANZ Access Advantage bank account review

Overall rating   5 / 10

Many features I like , but room for improvement.

ANZ is overpriced and charge for everything. Competitors waive fees when you have enough deposited in each month. I do trust ANZ and have confidence in them even if it takes a couple of calls. I always had personal loan debt and /or credit card...

Full review

ANZ is overpriced and charge for everything. Competitors waive fees when you have enough deposited in each month. I do trust ANZ and have confidence in them even if it takes a couple of calls. I always had personal loan debt and /or credit card debt with them so I feel kind of stuck with them. ANZ will not direct debit personal loans from non ANZ accounts. I like that they were one of the first to introduce firstly Apple Pay and now Android google pay. They offer everything which is great, and they are everywhere. I don't like that I can't see my written reference on my internet pay anyone transfers when I am reviewing my transaction history but I do like pay to mobile very much.

    Price   2 / 10

    Features   5 / 10

    Customer service   4 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Michelle (VIC), reviewed 18 days ago

ANZ

ANZ Access Advantage bank account review

Overall rating   8 / 10

Great bank

Quite happy with the bank

Full review

Quite happy with the bank

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Mavis (QLD), reviewed 25 days ago

ANZ

ANZ Access Advantage bank account review

Overall rating   3 / 10

Aggressive fee and charge creation experts

I've had some poor experience from time to time in the past. ANZ are guilty of operating using some questionable tactics, and its greed that motivates these tactics.

Full review

I've had some poor experience from time to time in the past. ANZ are guilty of operating using some questionable tactics, and its greed that motivates these tactics.

    Price   4 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   5 / 10

    Trust   3 / 10

Less

Troy (TAS), reviewed 26 days ago

ANZ

ANZ Access Advantage bank account review

Overall rating   10 / 10

Good

Have no trouble with ANZ

Full review

Have no trouble with ANZ

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Adrian (QLD), reviewed 26 days ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • Balances from $0: 0.00% p.a..
    Balances from $50,000: 0.01% p.a..
    Balances from $100,000: 0.02% p.a.

  • none

  • none

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%

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