Fee-free with plenty of features

No monthly fees or minimum balance and you’ll get a Visa Debit card plus the ability to make mobile payments.1

Manage your money your way

Banking options that suit you - manage your account and card online, through the My AMP app, or by phone banking.

Link to a savings account

Save more easily with the option to link to an AMP savings account such as our AMP Saver Account.

Product inclusions

What the product includes

  • No monthly fees or minimum balance
  • Eftpos and BPAY® facilities
  • The option to access additional Basic Features as an eligible government concession card holder
  • AMP Visa Debit card

What the product doesn't include

  • The ability to earn interest on your deposits
  • A cheque book

For eligible government concession card holders 

If you hold any one 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.

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.
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.

To learn more about these features or to have them applied to your existing AMP Access Account, please contact us on 13 30 30. New eligible customers can apply for the AMP Access Account with Basic Features online.

Rates, fees & eligibility

Rates & fees

Effective date 

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

There are no monthly account fees or transaction fees 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.



What do I need to apply?

Applying online is easy and will take you about five minutes to complete. You’ll need a valid form of identification. Once you’ve applied, download the My AMP app from the Apple or Google Play store to start banking online. Your Visa Debit card will arrive by mail soon after we’ve approved your application.

What are the fees?

There are no ongoing account management fees, including for regular deposits or withdrawals. Some fees and charges for special services may apply, such as a duplicate statement fee. Read our Deposit products fees and charges guide for more information.

Are my savings secure?

The Australian Government guarantee protects combined deposits up to $250,000 per customer in the unlikely event that a financial institution fails.

I want an account that pays interest

The AMP Cash Manager is a transactional account that pays interest or you might like a linked AMP Saver Account. You can apply for AMP Saver and AMP Access at the same time here.

Contact us

Mon - Fri: 8am – 8pm (AEST)
Sat & Sun 9am – 5pm (AEST)

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. Full details are available in the Fees and charges guide.

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

A target market determination for these products is available on our TMD page.

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.