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 23 January 2019.

Review published: 4 October 2012

What's hot:

  • Option to pay via Apple Pay

  • 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 and Apply Pay for iPhones, 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 ATM daily 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
7.3

Based on 4183
ANZ bank accounts reviews

6.5 6.2 7.3 7.8 7.3

Read ANZ bank account reviews by the Mozo community

Latest reviews of ANZ Access Advantage

ANZ

ANZ Access Advantage bank account review

Overall rating   2 / 10

Extremely poor customer service

My debit card was cancelled instead of my husbands. This left me stranded 60km from home with no money and no fuel to get home. When I called I was told "surely you have another account with someone else". Unfortunately for me I didn't. All my...

Full review

My debit card was cancelled instead of my husbands. This left me stranded 60km from home with no money and no fuel to get home. When I called I was told "surely you have another account with someone else". Unfortunately for me I didn't. All my accounts including home loan, credit card and banking have been with ANZ for the past 14 years. They hung up stating they couldn't do anything.

    Price   5 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   5 / 10

Less

Donna, New South Wales, reviewed 1 day ago

ANZ

ANZ Access Advantage bank account review

Overall rating   9 / 10

ANZ has low fees

It is good banking with ANZ. The customer service is fantastic, the rates are great and you get bonus interest each month.

Full review

It is good banking with ANZ. The customer service is fantastic, the rates are great and you get bonus interest each month.

    Price   10 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kylie, New South Wales, reviewed 1 day ago

ANZ

ANZ Access Advantage bank account review

Overall rating   4 / 10

Not great

Their customer service is never up to scratch. Been with them for years just could be stuff to make the effort to change banks.

Full review

Their customer service is never up to scratch. Been with them for years just could be stuff to make the effort to change banks.

    Price   1 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   5 / 10

    Trust   3 / 10

Less

Tong, Victoria, reviewed 9 days ago

ANZ

ANZ Access Advantage bank account review

Overall rating   8 / 10

I like it

I love it. It's a great bank to bank with and I have been with them for a year now.

Full review

I love it. It's a great bank to bank with and I have been with them for a year now.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Telisha, South Australia, reviewed 21 days ago

ANZ

ANZ Access Advantage bank account review

Overall rating   10 / 10

I like ANZ

They are a great bank. I look forward to using their other products and services. I even had my home loan with ANZ!

Full review

They are a great bank. I look forward to using their other products and services. I even had my home loan with ANZ!

    Price   8 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Wayne, Victoria, reviewed about 1 month 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.

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

  • 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%

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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