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Everyday accounts - Accounts
Everyday accounts
ANZ everyday bank accounts are designed to make your banking easier and more convenient. Choose from a range of simple, easy to understand ANZ accounts and start banking with ANZ today.
ANZ Accounts
ANZ Everyday Visa Debit
If you prefer an everyday account with Visa access to shop online, overseas or over the phone – ANZ Everyday Visa Debit could be the account for you. You can transact via ANZ Phone and Internet Banking plus branch and EFTPOS1.
ANZ Access Advantage
An everyday account for customers who prefer the flexibility to manage their finances across multiple channels. You can transact via ANZ Phone and Internet Banking, or branch, cheque and EFTPOS1.
ANZ Access Select
An everyday account could be ideal for customers who prefer banking online or over the phone rather than in branch. Enjoy unlimited Internet Banking Transactions (as defined in the ANZ Personal Banking Account Fees and Charges (PDF 324kB) booklet) for an account service fee of just $2 a month2.
| ANZ Everyday Visa Debit | ANZ Access Advantage | ANZ Access Select | |
|---|---|---|---|
| Cheque book | No | Optional | Optional |
| Access options | Unlimited access to ANZ ATM’s, Phone & Internet Banking, plus branch and EFTPOS1 | Unlimited access to ANZ ATM’s, Phone & Internet Banking, plus branch, cheque and EFTPOS1 | Unlimited Internet Banking access1. 6 free Electronic Transactions per month2 (as defined in the ANZ Personal Banking Account Fees and Charges (PDF 324kB) booklet) |
| Concessions available | Yes3 | Yes3 | No |
| Design my Card | No | Yes5 | No |
| Overdraft6 | No | Yes, on application for ANZ Assured |
Yes, on application for ANZ Assured |
| Monthly account service fee | $6 | $5 | $2 |
ANZ concession accounts
ANZ Access Deeming
If you receive an eligible Centrelink pension or allowance, or a Veterans’ Affairs pension or allowance and your financial investments are assessed for their entitlement, you could take advantage of the $0 monthly service fee and other benefits associated with this account.
ANZ Access Basic
Everyday bank account designed for eligible concession card holders.
Seniors
If you’re aged 60 years or over you could enjoy benefits including domestic travel insurance (up to 80 years old)7 and no monthly account service fee on application for a fee waiver at a branch on one nominated ANZ Access Advantage account.
Full-time students
If you’re a full time student, at an Australian educational institution, then on application for a fee waiver at a branch you can start enjoying your student life with the convenience of no monthly account service fee (usually $5)8, on one nominated ANZ Access Advantage account.
Youth bank accounts
If you are looking to open an account for your child or if you are under 18 and looking to open an everyday bank account, ANZ has a range of accounts that could suit your needs.
ANZ Design my Card
Give your ANZ Access Advantage Account a personal touch with your individually designed card. For just $15 you can choose an image from our image library or you can upload your favourite photo or design5. Visit the designmycard website to design your card and apply for one of our everyday accounts.
Still unsure about which ANZ everyday account is for you?
Compare all ANZ accounts to see which one suits your needs.
Don't want to apply online?
Call 1800 505 232 from 8.00am to 8.00pm (AEST) Monday to Friday
ANZ Access Advantage and ANZ Access Select are covered by the Australian Government Deposit Guarantee Scheme9.
Terms and conditions are available on application. Fees and charges apply.
1. Fees may apply (including non-ANZ operator fees, overseas ATM fees and overseas transaction fees). Please refer to ANZ Personal Banking Account Fees and Charges (PDF 324kB) for fees and charges that apply.
2. Additional ANZ Transactions charged as: Electronic Transactions $0.50 each, Staff Assisted Transactions $2.50 each, Cheque transactions $0.50 each. Other fees may apply (including non-ANZ ATM operator fees, overseas ATM fees and overseas transaction fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF 324kB) booklet for definitions of ANZ Transactions, Electronic Transactions, Staff Assisted Transactions and Cheque Transactions, and for fees and charges that apply.
3. Terms and conditions apply. Please refer to Eligibility
4. Special Term Deposit rate is current as at Tuesday, 10th November 2009 and subject to change. A minimum investment of $5,000 is required. This interest rate is not available with other offers. Interest is payable at maturity. Fees and charges apply. If you choose to reinvest your funds in an ANZ Term Deposit following the conclusion of the term, the applicable interest rate will be determined at the time of reinvestment.
5. ANZ’s normal credit criteria apply to each application. Applicants need to be at least 18 years of age and demonstrate capacity to afford to repay. ANZ Assured monthly Credit Facility Fee applies. Interest is charged on the amount of credit used. The interest rate applicable as at Monday, 16th November 2009 is 17.82% p.a. but is variable and may change.
6. ANZ Seniors (on ANZ Access Advantage or ANZ Access Deeming) provides a range of travel benefits under a Domestic Travel Insurance policy. The policy is available for account holders between 60 to 80 years of age as at the date of departure, and is only available on accounts opened on or after 1 October 2007. The Domestic Travel Insurance is provided by CGU Insurance Limited ABN 27 004 478 371 (CGU). Additional terms, conditions and exclusions apply. Please refer to the ANZ Seniors Domestic Travel Insurance Features booklet for full terms and conditions.
For general enquiries, please call CGU on 1800 062 660, 8am to 8pm (AEST) Monday to Friday. To lodge a claim, please call CGU on 1300 306 479, 24 hours a day, 7 days a week.
7. Full-time students need to show proof of enrolment at an Australian educational institution in order to receive a monthly account service fee waver. Students need to renew every 12 months with proof of enrolment at an ANZ branch.
8. Subject to Designmycard Image Guidelines and Terms and Conditions.
9. This is a deposit product offered by ANZ. Deposits with ANZ of up to and including A$1 million in aggregate will continue to be automatically guaranteed by the Federal Government without charge. The $1 million fee-free guarantee threshold is calculated on the total deposits held in one or multiple ANZ accounts by each ‘legal entity’. For deposits of more than A$1 million, we will offer customers the ability to opt-in to receive the benefit of the guarantee for a monthly fee of 0.7% p.a. This is the fee we will be charged directly by the Federal Government as a AA rated bank. For information about what is a ‘legal entity’, please refer to the Federal Government Guarantee on Deposits fact sheet.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
ANZ recommends you read the Product Disclosure Statement and the Financial Services Guide (PDF 208kB) before acquiring the product.
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© Australia and New Zealand Banking Group Limited (ANZ) 2009 ABN 11 005 357 522. ANZ's colour blue is a trade mark of ANZ.