Who can have an AMP Bank account?
You can apply for an AMP Bank account as long as you’re over 15 and an Australian resident. You'll need to download our app from the iOS app store or Google Play Store.
When you apply for an account with us, we’ll carry out some quick checks using external agencies to validate all your details are correct.
At this stage we only support customers who have an Australian mobile number. We are constantly evolving our product so check back to see if your mobile number is now eligible.
Opening additional accounts within the AMP app is simple, just tap the main menu (top right of the home screen), swipe down to bring up the accounts menu, then tap Open a new account, then select the type of account you would like and follow the instructions required to open the account.
Please note, the types of additional accounts you can open will depend on the accounts you already hold at AMP Bank:
Individual transaction accounts
If you only hold a business account then you can apply for a individual transaction account.
Sole traders + Company accounts
You can apply for as many business accounts as you like as long as they are for separate entities. At the moment, you cannot apply for an additional business account for the same entity.
Sorry, we can’t reopen an account once it’s been closed.
At the moment, we’re also unable to offer any new accounts to previous account holders. This is only a temporary change while we do some work behind the scenes, and we’re expecting to reopen new account applications to previous account holders very soon.
To open an AMP Bank account you will need a valid government-issued photo ID, such as a passport or Australian driving licence. We are unable to accept medicare cards, birth certificates, or citizenship certificates as primary identification documents. Read more about our account opening process on our website.
Please note all of our accounts are subject to eligibility criteria.
Account Set Up
To open an account, you'll need to provide at least one of the following ID documents:
- A valid Australian passport
- A valid Australian driving licence
- A valid international passport (with Australian visa)
These must clearly show your:
- physical appearance
- full name
- document identity number
- date of birth
- address
Our Personal accounts have no monthly fees, free Faster Payments, Direct Debits, Scheduled, and Recurring Payments, as well as fee-free international ATM withdrawals. For more information on our fees, rates, and charges - head here.
You can apply for an account by downloading the AMP Bank app from Apple's App Store, Google's Play Store.
We’ll ask you for a valid government-issued photo ID and a video selfie. When your account's been verified, we'll send you a notification.
You can apply for an account by downloading the AMP Bank app from Apple's App Store, Google's Play Store.
We’ll ask you for a valid government-issued photo ID, a video selfie and some questions about your business. When your account's been verified, we'll send you a notification.
When you first create a business account, you will enter the details of other directors or business owners to be able to access to the account. If you've entered in the wrong details or these individuals haven't received an invite, not to worry, just give us a call on 1800 950 105 and we'll be able to help.
If you're a director or business owner expecting an invite and haven't received one, just have whoever created the account to give us a call.
Account Features
For a sole trader account, the business owner is the only person who can access & manage the account.
For a business account, directors will only have access to the account once approved. Directors must be registered as such with ASIC and must live in Australia to start the application.
If you are a beneficial owner (BO) but not also a director, we will need to verify your identity via the app. However, you will NOT have access to the account.
Additionally, if you are any other stakeholder such as a secretary, who is not also a director, you will not be able to have access to the account.
See here for information on how to add a new director to your account.
We are working on supporting access for different users such as accountants and bookkeepers in the future.
Client money refers to any money that a business receives from or holds for, or on behalf of, a client. Client money accounts are separate from business money. It protects them in case the business goes bankrupt or faces insolvency or liquidation.
We understand that many businesses need these services, but at this time, we are unable to offer these.
For a sole traders, the business owner is the only person who can access & manage the account.
For companies, only Directors will have access to the account once approved. Directors must be registered with ASIC and must live in Australia to start the application.
If you are not a director and are only a beneficial owner (BO), we will need to verify your identity via the app but youwill NOT have access to the account.
Additionally, if you are any other stakeholder such as a Secretary who is not a director you will not be able to have access to the account.
See here for information on how to add a new director to your account.
We are working on supporting more types of access for accountants and bookkeepers in the future.
Other help and support
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Customer care
We know that you might need additional help, around products, deceased estates, legal documentation or customer care. Please get in touch with us.
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Needing financial support?
When life throws unexpected challenges your way, your financial situation can change dramatically. In difficult times, we'll support you and help you get back on track.
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Feedback & complaints
If you are unhappy with our products or service, we want to know about it. We treat every complaint seriously and aim to resolve your concerns as quickly as possible.
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Ways to contact us
Are you overseas? See our overseas travel support.
What you need to know
Credit and deposit products are issued by 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. .