Your day-to-day banking doesn't need to cost you a lot. By selecting the right account, monitoring your transactions, and choosing the right transaction options you could reduce your bank fees.

Reduce the number of accounts you have

If you have multiple bank accounts you may be incurring fees on each account. You may want to consider merging your accounts, or check what the minimum balance for the account is to ensure you don't incur unnecessary fees.

Check the fees and charges on your bank account

It is worthwhile checking out what fees you incur with each transaction. Depending on the type of account you have, self service transactions using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, EFTPOS and cheques, may incur lower fees than transactions via an ANZ branch and may help you reduce your bank fees.

If you have an ANZ Access Advantage everyday account you could have access to unlimited transactions using ANZ ATMs, ANZ Phone & Internet Banking, plus branch, cheque and EFTPOS for a monthly account service fee of $51. The only time you'll incur additional ANZ fees on your account is if you try to or do overdraw your account and/or transact overseas.

Investigate fee exemptions or packages

Ask about fee exemptions or packages for which you might be eligible. If you are aged under 18, a full time student, receive a Government benefit, or aged 60 and over you may be entitled to apply for a fee waiver. To find out whether you are eligible for any fee exemptions, refer to the ANZ Personal Banking Account Fees and Charges (PDF 136kB) or call 13 13 14.

Use ANZ ATMs to minimise fees

Use ANZ ATMs to withdraw cash from your ANZ accounts, to avoid fees charged for using other banks' ATMs.

Use technology to stay in front

Banking on mobile devices is a convenient way to do your banking anytime, anywhere2

We have three mobile banking options available.

Save time

You can save time by using ANZ Internet Banking to pay bills via BPAY® and transfer funds via Pay Anyone. Pay Anyone allows you to transfer funds to any individual or business with a bank account at most Australian financial institutions*.

Need more information?

For more information on the fees and charges applicable to ANZ personal accounts call 13 13 14 or click on the link below.

*Online registration required. Eligibility criteria and terms and conditions apply.

1 Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 136kB) for fees and charges that apply.

2 You may incur charges from your mobile phone operator as a result of using ANZ Mobile Phone Banking. Any such charges are solely your responsibility.

® Registered trademark of BPAY Pty Ltd ABN 69 079 137 518

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 Terms and Conditions and the Financial Services Guide (PDF 512kB) before acquiring the product.

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