---
title: "ANZ Access Basic — ANZ"
description: "Transaction & Savings Accounts from ANZ. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/anz/products/dbc12167-d706-13e3-14bd-190a25356ddb
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-02T03:00:00.000Z
---

# ANZ Access Basic — ANZ

> Transaction & Savings Accounts from ANZ. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

Offers affordable and convenient banking for Concession and Health Care card holders.

## Apply

Applications are handled by the provider: [Apply at ANZ](https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-basic/#apply)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Overseas Transaction Fee — ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account. | Transaction | 3% of transaction |
| Bank Cheque Request at ANZ Branch — Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder. | Event | $10.00 |
| Telegraphic transfer within Australia from your ANZ account to another account | Event | $28.00 |
| Bank Cheque Repurchase Fee | Event | $25.00 |
| Replacement for lost or stolen bank cheque | Event | $32.50 |
| Overseas ATM Transaction Fee — Applicable for a withdrawal from a non-ANZ ATM outside Australia (per withdrawal), and debited to your account at the same time as the withdrawal is debited | Transaction | $5.00 |

## Features

- **Digital banking** (Access using ANZ Internet Banking or ANZ App)
- **PayID** (Create a PayID® on your eligible account (PDF) using your mobile phone, email or ABN/ACN (if eligible). With PayID, it's easier to receive payments or set up a PayTo agreement by sharing your PayID instead of your BSB and account number.)
- **Real-time payments (NPP)**
- **Bill payment (BPAY)** — BPAY
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Digital wallet** — Fitbit Pay
- **Digital wallet** — Garmin Pay
- **Unlimited transactions** (Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Access Visa Debit Card and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.)
- **Fraud protection**
- **Pay no monthly account service fee. Access your money whenever you need it with unlimited ANZ Transactions. Bank 24/7 with ANZ ATMs, EFTPOS, ANZ Internet Banking, ANZ App and ANZ Phone Banking.**
- **Card access** — ANZ Visa Debit card
- **Tap & Pay
Set up mobile payment on your compatible devices with eligible ANZ cards so you can tap and pay.**
- **Bill payment (BPAY)** — PayTo

## Eligibility

- **Minimum age** — 12 years (You must be 12 years of age or older to apply)
- **Residency status** — You must be an Australian resident with an Australian residential and mailing address.
- **Pension recipients** — Eligible Concession and Health Care cards include: Seniors Concession card Pensioner Concession card Centrelink Health Care card Repatriation Health card (Department of Veterans' Affairs) (Eligible Concession and Health Care cards include: Seniors Concession card Pensioner Concession card Centrelink Health Care card Repatriation Health card (Department of Veterans' Affairs))
- **Individuals only** (The customer must be a natural person rather than another legal entity.)

## More information from ANZ

- [Overview](https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-basic/)
- [Terms & conditions](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf)
- [Eligibility](https://www.anz.com.au/personal/bank-accounts/everyday-accounts/access-basic/#apply)
- [Fees & pricing](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf)

## Data provenance

- Published by ANZ under the Consumer Data Right
- Product ID: `dbc12167-d706-13e3-14bd-190a25356ddb`
- Last updated by the provider: 2 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/anz/dbc12167-d706-13e3-14bd-190a25356ddb
- Provider page: https://www.cdrcompare.au/brands/anz
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000006

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/anz/products/dbc12167-d706-13e3-14bd-190a25356ddb) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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