Simple & Transparent everyday banking

Some banks are out there talking about $0 monthly account service fees. But when you look a little closer, there are often other fees and charges that may catch you by surprise – like a fee for transferring money to another account via phone banking, or an automatic payment fee you might get charged for something like your monthly gym membership!

So we’re going to be completely upfront with you about the fees that are relevant to your everyday account, to help make managing your money easier.  

With an ANZ Access Advantage account, what you see is what you get:

• Unlimited everyday ANZ transactions for $5 a month. So that’s unlimited access to ANZ ATMs, ANZ Phone and Internet Banking, Branch, Cheque and EFTPOS. The only time you'll incur additional ANZ account fees is if you try to or do overdraw your account and/or transact overseas
• Visa Debit access, so you can use your own money online, over the phone and overseas
• Added security of ANZ Falcon™ fraud monitoring for ATM or EFTPOS transactions when you select 'credit'
• Choice of three card colours

Ask yourself, is your bank being this open and honest? 

But we’re doing more than just being up front about fees, we’re also offering you:

• Access to ANZ Mobile Phone Banking to check your balance wherever you are via SMS
• Plus, in 2010 we will introduce ATM alerts which will allow you to choose whether to proceed with an ATM withdrawal if it means overdrawing

Being more transparent isn’t something we’ve only just started talking about now. We’ve also:

• Removed 27 different fees and charges on personal accounts
• Re-written a number of our booklets in easy to understand language. Check out our ANZ Savings and Transaction Products – Terms and Conditions (PDF 330kB), ANZ Personal Banking General Fees and Charges (PDF 116kB) and ANZ Personal Banking Account Fees and Charges (PDF 111kB). And soon we’ll be launching a Financial Jargon Buster on anz.com
• Provided tips on how to minimize fees at anz.com/simplify
• Given customers the ability to avoid overdrawn fees if they choose to switch off the option to overdraw their account for transactions via ANZ Internet, ANZ Phone and ANZ Mobile Phone Banking, EFTPOS and ATM OR by choosing our Access Limited account which has a limited ability to overdraw

Applying is easier than you think. Simply click below and you’ll be well on your way within minutes.

If you are an existing ANZ Access Advantage, ANZ Access Select or ANZ Access Deeming account customer, and would like to add an ANZ Access Visa Debit card to your account, please either visit your local ANZ branch or call 1800 008 177 Monday - Friday, 8am-8pm (AEST).