Features

No monthly fees

There are no monthly account management fees and you don't need to maintain a specific monthly balance.

Link to a savings account

Option to link your AMP Access Account to a savings account, such as our AMP Saver Account, to potentially maximise returns.

Mobile payments

Make payments with Apple Pay1, Samsung Pay and Google Pay using your device anywhere you can tap your Visa Debit Card2.

24/7 access & transactions

Access your account any time with your Visa Debit Card and via our My AMP apps internet banking or phone service.

Manage your account

Login to My AMP online or the app to change your Visa Debit Card PIN, update your daily transfer limit and more.

Government guarantee

Combined deposits up to $250,000 per customer are protected by the Australian Government guarantee. Find out more


1 Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

2 Visit Samsung to check devices compatible with NFC point of sale terminals for contactless transactions.

Basic features for eligible Government Concession Card holders

If you hold any one any of the following Commonwealth government concession cards: Commonwealth Seniors Health Card, Health Care Card, or Pensioner Concession Card you may be eligible for the AMP Access Account – Basic Features, described below. To learn more about these features or to have them applied to your existing AMP Access Account please contact us by telephone. New eligible customers can apply for the AMP Access Account with Basic Features online or by using our paper application form.

No overdraft

We won’t allow the account to become overdrawn unless it’s impossible or reasonably impractical for us to prevent it.

No dishonour fees

We won’t charge any dishonour fees if a payment to or from the account is dishonoured, or if there are insufficient funds in the account to cover a cheque written by you when it’s presented for payment.

No debit interest

if the account becomes overdrawn for any reason (where we were unable to prevent it), we won’t charge debit interest on the overdrawn amount.

Rates & fees

AMP Access Account rates & fees

Effective date 16 August 2019

Account balance Interest rate(i)
Standard Rate for all balances 0.00% pa

There are no monthly Account fees or Transaction fees with the AMP Access Account, and you don’t need to maintain a specific monthly balance.

(i) Interest rates are subject to change. Special service fees apply. Balances over $5,000,000 are available at our discretion.

Get started in 3 easy steps

1
Apply for an account

Applying online is easy and will take you about five minutes to complete.

2
Download My AMP app

Download from the Apple or Google Play app store to start banking.

3
Deposit money into your account

Start transacting online. Your AMP Visa debit card will arrive soon via mail.

Ready to open an AMP Access Account?

Contact us

We're here to help

Monday to Friday 8am – 8pm
Saturday and Sunday 9am – 5pm (AEST)

Lost / Stolen Cards 24 hours 7 days

Important information

The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable.

This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice