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Find ANZ Support Centre
Find ANZ Support Centre

Just moved to Australia?

G’day! Settling into a new country comes with both opportunities and challenges. 

We're here to help make things easier with fast, simple, and secure banking to support the start of your new life here in Australia.

How to open a bank account

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Why choose ANZ?

One of Australia's biggest banks

With over 8.5 million customers and operating in over 30 countries, you can feel confident to partner with us on your Australian journey.

Get to know us better

 

Bank account security

With evolving fraud detection technology, biometrics monitoring in our banking apps and Internet Banking, plus a team of specialists to help you 24/7, we offer security you can bank on.

How we protect you

Communicate in your language

Don't worry if English isn’t your first language. We have a network of people who are ready to help when you ask us for an interpreter.

 

Bank in the ANZ App

The ANZ App makes it easy to manage your money, check balances, transfer funds, and pay bills securely, anytime.

Discover the ANZ App

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How to open an ANZ bank account

What you’ll need

Before you start, be sure you have the following:

  • Some key identification, such as your passport
  • An Australian residential address
  • Your tax identification number (or your country's equivalent) - we call it tax file number (TFN) in Australia
  • An Australian mobile number

How to verify your identity

You must provide identification as per the following options:

At least ONE Primary Identification document type

OR

At least TWO different types of Secondary Identification documents

  • Each identification document that is accepted MUST have Full Legal Name and Date of Birth or Residential Address (except Medicare Card)
  • No document type can be used more than once
  • Documents must be current unless otherwise specified
  • Where you are giving us information that is different or has changed from that shown on identification documents, you must provide us with appropriate linking documents that explain the difference
  • Utility Bill is not accepted as an identification document, but is accepted as a linking document to explain an address change

Primary Government Issued Photographic Identification documents

  • Australian photographic driver’s licence or learner’s permit
  • Australian Passport (current or one that has expired within the past two years)
  • Foreign Passport*
  • Australian State/Territory Government issued Proof of Age Card/Photo Identification card
  • Foreign Government issued National Identification Card*
  • Australian Firearms/Shooting Licence
  • Australian Explosives Licence

Secondary Identification documents

Maximum of ONE of each Document types:

  • Birth certificate, birth card, birth extract issued by an Australian State or Territory, or Foreign Government
  • Australian Medicare card
  • Foreign driver’s licence*
  • Australian or Foreign citizenship certificate*
  • Australian Government card or notice issued by Centrelink to concession holder. Includes any ONE of:
    • DHS Commonwealth Seniors Health Card or Health Care Card
    • DHS or DVA Pensioner Concession card
    • Benefits Notice (less than 12 months old)
  • Australian ImmiCard. Includes any ONE of:
    • Evidence of Immigration Status (EIS) ImmiCard
    • Permanent Resident Evidence (PRE) ImmiCard
    • Residence Determination ImmiCard (RDI)
  • Australian School attendance letter issued by principal to person under 18, recording residential address and period of attendance (less than 3 months old)
  • Australian Tax Office (ATO) assessment notice (less than 12 months old) with name and residential address
  • Notice issued by approved Australian Aged Care facility (less than 12 months old) with name and residential address
  • Letter issued by the Australian Electoral Commission (less than 3 months old) with name and residential address

Alternative Identification documents

If you identify as Aboriginal and/or Torres Strait Islander heritage and are not able to provide any of the identification documents listed above, ONE of the following may be used:

  • Aboriginal and/or Torres Strait Islander (ATSI) Community ID Card

OR

  • Statement by a Referee (from the list of Acceptable Referees below);
    • Chairperson, Secretary or CEO of an incorporated Aboriginal and/or Torres Strait Islander organisation; or
    • a board member of an aboriginal and/or Torres Strait Islander Land Council; or
    • Community Leader or recognised Elder (who is not a relative); or
    • School principal or School Counsellor; or
    • Health Professional or Manager in an Aboriginal and/or Torres Strait Island Medical Service; or
    • Current Employer; or
    • Police Officer; or
    • Minister of Religion; or
    • Justice of the Peace; or
    • Permanent employee of the Australian Postal Corporation with 2 or more years of continuous service who is employed in an office providing services to the public; or
    • Pharmacist

Linking documents

To show evidence of change of name:

  • Adoption Papers
  • Birth Certificate with Endorsement
  • Change of Name Certificate (Deed Poll)
  • Court Order
  • Marriage Certificate
  • Certificate of Divorce (Decree Nisi)

To show evidence of change of address:

  • Lease/Rental Agreement
  • Change of Address label on back of Drivers Licence
  • Utility Bill (no more than 3 months old)

* If your identification document is written in a language other than English, you must provide a translation into English by a translator who is accredited by the National Accreditation Authority for Translators and Interpreters Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Item No. 71092 11.2022 WZ126956

You can also download the Customer Identification Process (CIP) - Acceptable Identification Documents (PDF).

Apply for an ANZ bank account

Find the bank account that works for you. ANZ offers a range of easy-to-use accounts to help with your banking needs.

Benefits of an everyday account

Having an everyday transaction account (also known as current/checking account) can make it easier for you to:

  • Receive money from your employer
  • Use for everyday purchases like shopping and paying bills
  • Withdraw money from ATMs

ANZ Plus Everyday

Comes with an ANZ Plus Everyday transaction account and an ANZ Plus Growth Saver savings account. 
Join fast from your mobile.

Join ANZ Plus

What you’ll get:

  • Integrated transact and save accounts
  • No monthly account service feedisclaimer
  • Free to join

Eligibility criteria:

  • 15+ years of age
  • Australian mobile number
  • Australian residential address
  • Valid form of ID such as passport

Explore ANZ Plus

AppStore logo Google Play logo

Download the ANZ Plus app from the Australian App Store or Google Play Store to get started. Minimum of iOS 15.0 or Android 7.0

ANZ Access Advantage

The transaction account for everyday banking. When opening this account, you will also be offered an ANZ Online Saver account.

Apply online now

Book an appointment

What you’ll get:

Eligibility criteria:

  • 12+ years of age 
  • Australian residential address
  • Valid form of ID such as passport

Explore ANZ Access Advantage

Not the accounts you’re looking for?
We’ve got a handy tool to help you consider some other options. Our bank accounts comparison tool will show you some options side-by-side for transaction, savings and term deposit accounts.

More banking solutions

Getting a credit card

Whether you’re after Rewards Points or Qantas Points, or a low fee or low-rate card that simply gets the job done, compare our range to find the best credit card to suit your needs.

Discover ANZ credit cards

 

Sending money overseas

Sending money overseas is fast, easy and secure with an ANZ International Money Transfer via ANZ Internet Banking and ANZ Phone Banking, through your chosen ANZ everyday account.

ANZ International Money Transfers

peace of mind

Superannuation basics for the new Australian

We’ve put together a guide to understanding superannuation in Australia so you know what’s going on with your money when you start your job.

Guide to understanding superannuation

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Contact us

For ANZ Plus accounts

Download the ANZ Plus app to join for free. 

For all other ANZ accounts

Book a branch appointment

Locate a branch near you

Call 13 13 14 Monday to Friday from 8am to 8pm (Melbourne time).

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Your questions answered

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app. It comes with:

  • an ANZ Plus Everyday transaction account
  • a multi-goal ANZ Plus Growth Saver account
  • a new-look ANZ Plus Visa Debit card

The ANZ Plus app has a range of features to provide more visibility and control of your money and spending.

You can't access other ANZ accounts in the ANZ Plus app.

Other ANZ bank accounts can be accessed through the ANZ app or ANZ Internet Banking, ANZ branches and over the phone.

Here’s some things you should consider when moving to Australia:

  • Visa and immigration: Choose the right visa and understand the requirements for work, study, or permanent residency.
  • Cost of living: Budget for housing, food, transport, and utilities—costs vary significantly by city.
  • Employment: Research job opportunities, apply for a Tax File Number (TFN), and understand superannuation.
  • Healthcare: Check your eligibility for Medicare and consider private health insurance if needed.
  • Education: Understand schooling options and costs, especially if you're moving with children or studying.
  • Choosing where to live: Pick a location based on job, study or school prospects, climate, lifestyle, and cost of living.

There are many banks in Australia who offer a range of transaction and savings accounts. With ANZ, you can set up your bank account once you have arrived in Australia. You’ll just need some key identification, such as your passport, an Australian residential address and an Australian mobile number. You may also need your tax identification number (or your country’s equivalent).

To learn more about and see the full list of acceptable forms of identification documents, see Customer Identification Process (CIP) - Acceptable Identification Documents (PDF).

ANZ Plus accounts can be opened on your mobile by downloading the ANZ Plus app via the Australian App Store or Google Play Store.

Or you can visit an ANZ branch to open classic ANZ bank accounts, like an ANZ Access Advantage account when you arrive in the country, where our friendly staff will help get you started. Note that you cannot open ANZ Plus accounts in an ANZ branch.

The housing market in Australia has undergone significant change in recent years and the demand for rental properties has typically been high. To give yourself the best chance of finding a place to rent, you may want to attend open homes. Open homes are a public viewing held when a home is listed for rent. They allow you to take a look inside a home and get a feel for what living there would be like. Don’t be discouraged if you have to attend a handful of open homes and apply for a number of rentals before securing one – this is frustrating, but normal.

You should take note of:

  • If the home has enough space to accommodate you/ your family
  • If the home is close to amenities, such as public transport, shops and schools
  • What the cost of the home’s rent is
  • How much the bond is
  • How long the lease (contract) for the home is
  • What the terms and conditions, listed in the rental agreement are like
  • Whether there is any damage, such as broken doors or windows

If you’re in a position to buy a house, or are looking to purchase in the future, there are some things you will have to think about – such as where you want to live, how much you want to pay and what type of property you would like. In Australia, most homes are sold by real estate agents, while some are sold privately by the owners. But before you put down a deposit, it’s important you understand how to make an offer, any contracts and cooling off periods and the current property landscape (including things like interest rates). To borrow money for a property you should speak to a bank or lender.

For further information, please refer to our process of buying a home in Australia.

Where can I find additional information on resources to help me navigate life in Australia?

Australian Government Department of Home Affairs

Government website with information for migrants.

AMES Australia

Leading settlement agency for people arriving in Australia. Call 13 26 37

Refugee Council of Australia

Has extensive resources and information on a range of topics for refugees. Call (02) 9211 9333

Asylum Seeker Resource Centre

Advocate for asylum seekers and human rights. Call (03) 9326 6066

TRANSLATION SERVICES

Australian Government Department of Home Affairs

Provides free translating services for new arrivals.

EMPLOYMENT

Australian Government Fair Work Ombudsman

Helps employees understand their work entitlements.

LEGAL AID

Australian Government Attorney-General’s Department

Includes state and territory-specific legal resources.

EMOTIONAL

Lifeline

Supports people facing hardship and distress. Call 13 11 14

Relationships Australia

Helps individuals, families and communities with relationship matters. Call 1300 364 277

Mensline

Wellbeing support for men. Call 1300 789 978

Poison Information Centre

For 24-hour advice if you’re concerned about a poisonous substance. Call 13 11 26

The ANZ Fraud Money Back Guarantee is assurance that you'll be reimbursed for fraudulent transactions on your ANZ debit or credit card, provided you comply with the product T&Cs, notify us promptly and didn't contribute to the loss.

Our Customer Protection Team is available 24/7 to help you. If you notice any unusual activity on your card, please contact us straightaway.

Important information

Any advice does not take into account your personal needs and financial circumstances or objectives. Please consider if it is appropriate for you and read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) before acquiring any products. See ANZ Plus Deposit Account T&Cs available at anz.com.au/plus. Application for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

Transaction fees may apply, see the ANZ Plus Deposit Account T&Cs for details on these fees. A $10 monthly fee applies if you link your ANZ Plus Everyday account to your ANZ Plus Home Loan as an offset account.

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Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.

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Eligible accounts and payments only – sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.

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Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 

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On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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