Thumbnail icon for ANZ

ANZ Access Advantage

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

Mozo editorial review ANZ Access Advantage

Last updated: 4 May 2020.

binocular icon
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.

key icon
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.
snapshot
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.

snapshot
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 22 September 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 4474 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 3/10
    The annual fee is out of proportion to the benefit

    The annual fee is out of proportion to the benefits.

    Read full review

    The annual fee is out of proportion to the benefits.

    Price
    2/10
    Features
    2/10
    Customer service
    3/10
    Convenience
    8/10
    Trust
    5/10
    Less
    Christine, Queensland reviewed 6 days ago
  • Overall 6/10
    As you would expect from one of the big 4.

    They are always at a great rate and offer the best services when we go in there.

    Read full review

    They are always at a great rate and offer the best services when we go in there.

    Price
    6/10
    Features
    5/10
    Customer service
    6/10
    Convenience
    6/10
    Trust
    6/10
    Less
    Melissa, New South Wales reviewed 20 days ago
  • Overall 10/10
    Great price.

    I like this bank because it's simple and clean. I wish they wouldn't charge me $5 every month if I don't deposit $2000 as I have a business which has variable incomes so I can't always deposit the money.

    Read full review

    I like this bank because it's simple and clean. I wish they wouldn't charge me $5 every month if I don't deposit $2000 as I have a business which has variable incomes so I can't always deposit the money.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Ejaz, Victoria reviewed 20 days ago
  • Overall 10/10
    Great product, would highly recommend

    Ive been using this bank for years and have never had trouble with it. With the access advantage account you also have a progress saver account attached to it so its easy to put a bit of savings away.

    Read full review

    Ive been using this bank for years and have never had trouble with it. With the access advantage account you also have a progress saver account attached to it so its easy to put a bit of savings away.

    Price
    10/10
    Features
    10/10
    Customer service
    7/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Karolina, New South Wales reviewed 22 days ago
  • Overall 7/10
    Trustworthy and dependable.

    I think I am with them because there have been no real problems and I have been with them since I was a teenager. It feels like a big task to change bank companies so I have stayed. Otherwise I would most likely go with ING. I recently opened an account with them because I was traveling overseas and their offer was amazing. no fees and so easy to manage.

    Read full review

    I think I am with them because there have been no real problems and I have been with them since I was a teenager. It feels like a big task to change bank companies so I have stayed. Otherwise I would most likely go with ING. I recently opened an account with them because I was traveling overseas and their offer was amazing. no fees and so easy to manage.

    Price
    8/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Tess, Victoria reviewed 22 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.

See ANZ bank accounts

Promoted

Suncorp

Suncorp

Everyday Options

$0.00

Apple Pay, Google Pay, PayID

0.01% p.a.

Promoted

MyState Bank

MyState Bank

Glide Account

$0.00

Apple Pay, Google Pay, PayID, Samsung Pay, FitBit Pay, Garmin

0% p.a.

Promoted

HSBC

HSBC

Everyday Global Account

$0.00

Apple Pay, Google Pay, PayID

0% p.a.

Promoted

Citi

Citi

Global Currency Account

$0.00

PayID, Samsung Pay

0% p.a.

Promoted

NAB

NAB

Classic Banking Account (with Standard Visa Debit Card)

$0.00

Apple Pay, Google Pay, PayID, Samsung Pay

0.01% p.a.

Promoted

P&N Bank

P&N Bank

& Transaction Account

$0.00

Apple Pay, Google Pay, PayID, Samsung Pay

0% p.a.

Promoted

MyState Bank

MyState Bank

Everyday Account

$6.00$0 monthly account fee if you deposit min. $2,000 per month or are under 23 years.

Apple Pay, Google Pay, PayID, Samsung Pay, FitBit Pay, Garmin

0% p.a.

Promoted

ANZ

ANZ

Access Advantage

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

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

0% p.a.

Promoted

Suncorp

Suncorp

Everyday Options

$0.00

Suncorp, RediATM

Visa Debit

Promoted

MyState Bank

MyState Bank

Glide Account

$0.00

MyState

Visa Debit

Promoted

HSBC

HSBC

Everyday Global Account

$0.00

HSBC

Visa Debit

Promoted

Citi

Citi

Global Currency Account

$0.00

Citibank

Debit Mastercard

Promoted

NAB

NAB

Classic Banking Account (with Standard Visa Debit Card)

$0.00

NAB

Visa Debit or
EFTPOS

Promoted

P&N Bank

P&N Bank

& Transaction Account

$0.00

None

Visa Debit or
EFTPOS