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    Everyday Account

    Access your money seamlessly

    • No ATM withdrawals – At ATMx, ANZ, CBA and Wespac

    • No international fees* – stress-free shopping and travel ove

    • Multiple payment options – PayID, direct debit and BPAY

    • Organise your money with Spaces - Think of Spaces as little

    Apply now
    24/7 real-time fraud monitoring
    Eye icon

    We have embedded safety checks throughout our experience, from video impersonation controls to 24/7 real-time fraud monitoring to in-app prompt of payee legitmacy. We’re here to keep you and your money safe.

    Explore more features of the AMP Bank app
    Apple Pay and Google Pay
    High five icon

    Link your AMP Bank debit Mastercard instantly with Apple Pay and Google Pay and start spending instantly.

    Explore ways to bank with the AMP Bank app
    Features
    What’s included
    • No monthly account-keeping fees or international transaction fees
    • No minimum monthly balances or deposit requirements
    • AMP Bank debit Mastercard
    • PayID, NPP, direct debit and BPAY
    What’s not included
    • Online Web Portal
    • Issuing cheques
    • Ability to earn any interest on your deposits
    • Option to link to an AMP savings or term deposit account with My AMP

    Looking for a variable tiered interest rate on balances over $10k & below $5m? Try AMP Cash Manager

    Manage your money
    your way

    A banking experience that suits you - manage your account and card online, through the AMP Bank app.
    Find out more
    Rates & eligibility
    Rates & eligibility
    Fees and charges

    There are no monthly account fees or dishonour fees on our Everyday Business Account.

    Fees Charges
    Monthly account fees Nil

    ATM withdrawal

    When you withdraw cash at major bank ATMs1 and ATMx in Australia

    		 Nil
    International transaction fees and ATM withdrawal fees2 Nil



    Effective date 16 February 2025

    1 Major bank ATMs include ANZ, CBA, and Westpac
    2 Some ATM operators may charge a fee

    See all fees and charges
    Eligibility


    Ready to join? Here’s what you’ll need to apply for an Everyday Account:

    • You are an Australian resident 15 or over
    • You’ll need a valid email address and Australian mobile number
    • You must have a valid Australian photo ID (Australian driver licence, Australian passport, or foreign passport with Australian Visa

    Apply for an Everyday Account in under 10 minutes

    No paperwork, no hassle. Just simple, smart banking with no monthly fees.

    • Call us instead on 1800 950 105

    How it works

    • 1. Click ‘Apply Now’ and get started today

    • 2. Download the AMP Bank app to your phone

    • 3. Complete your onboarding on the AMP Bank app

    • 4. Upload your ID and film yourself for extra security

    • 5. Once approved, start using the AMP Bank app

    Apply now

    24/7 customer support in the AMP bank app

    Have any questions related to the AMP Bank app, Everyday Account? Download the app where you can access live chat and FAQ’s.
If you can’t access your device, contact AMP Bank on 1800 950 105.

    Any questions about the Everyday Account?

    Get more information on how this product works, eligibility and how to apply.

    Applying is easy and will take you about ten minutes to complete directly in the AMP Bank app. You’ll need a valid form of identification. Your Mastercard Debit card will arrive by mail soon after we’ve approved your application.

    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.

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

    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 or AMP Cash Manager at the same time here.

    Any questions about the new AMP Bank experience?

    Get more information on the new AMP Bank experience and what it means for existing Banking customers using My AMP.

    The new AMP Bank experience is a smarter, faster and more intuitive way to manage your money. It offers a shiny new app (AMP Bank app), and fresh cutting-edge features designed to make your personal and business banking easier.

     

    Currently, the new AMP Bank app offers Everyday accounts for personal and business banking, along with a range of exciting new features designed for a seamless banking experience. And this is only the beginning, with more features and products being built as we speak – stay tuned!

    Ready to join? Download the AMP Bank app and set up a new Everyday Account or Everyday Business Account.

    It’s totally up to you. If you’re ready to dive into the future of banking, then joining is easy. If you’re not quite ready, that’s okay too – you can continue using your Transaction Account in the My AMP app just like you have been.

    You won’t be automatically switched over. The new experience has been built from the ground up, so you’ll need to sign up fresh – get started here.

    If you’re an existing customer and want to sign up to new the banking experience, you’ll need to download the new AMP Bank app. Think of it like upgrading your money toolkit! You can still use the My AMP app for your existing accounts alongside the new one.

    The AMP Bank app is a completely reimagined way to manage your money – more intuitive, smarter and designed to make your everyday personal and business banking easier. A few examples are:

    • Manage your money with Spaces with goal setting and achieve your goal faster by round up.
    • Track your transactions with the spend tracker,
    • Pay with PAYID with no limits on transfers.
    • Other features coming soon are deposits at Australia Post, OSKO, and Xero Bank feeds to manage your business accounting etc.

    While My AMP offers all the features and benefits you know and love, the new AMP Bank app experience brings in the best tech, new and improved features, all at the tap of your phone.

    Not quite. You’ll need to open your shiny new Everyday personal or business account yourself. It only takes a few minutes – just have your photo ID and selfie skills ready!

     

    Once that's done, if you would like to close your existing account, here’s a few steps to follow:

    • Transfer your funds from your My AMP account to your account wth the AMP Bank app (don’t forget the new BSB number 939-900).
    • When your old account has a nil balance, send us a secure message via My AMP to close it for you.

    Tip: Note down all your payee details before closing your old account, so you can set them up in the new AMP Bank app.

    If you have more questions or want to understand if the new experience is right for you, check out our detailed FAQs, or call us on 1800 950 105 to speak to our team directly.

    Contact us

    The fastest and safest way to contact AMP Bank for small business and personal banking support is to message us through the AMP Bank app.

    Simply log in and tap Support

    Message us

    The fastest and safest way to contact AMP Bank for small business and personal banking support is to message us through the AMP Bank App.


    Simply log in and tap the profile icon on the top right and select ‘help’.

     
    Use Live Chat, or call via the app

     

    Phone

    1800 950 105


    24 hours a day/7 days a week
    Email help@ampbank.com.au
    Mail

    AMP Bank

    Reply Paid 79702

    Parramatta NSW 2124



    Cheque deposits

    We do not accept cheques
    Service of legal documents

    Please address to:
    The Proper Officer

     

    AMP Bank Limited

    Level 29,

    50 Bridge Street
Sydney NSW 2000
    Telegraphic transfers

    To receive a telegraphic transfer into your account, provide the other bank with your AMP Bank:

    • BSB Number
    • Account number
    • Account name
    • SWIFT/BIC code AMPBAU2SRET

    Note: We can only receive funds that have already been converted into Australian dollars.

     

    Send a Telegraphic transfer from your account, call us on 13 30 30.

     

    AMP Bank's Address:

    Level 2

    2-12 Macquarie street

    Parramatta NSW 2124



       

    Learn more about banking with AMP Bank

    • Explore AMP Bank app features
    • Explore all AMP Bank app FAQs BSB 939 900
    • Savings calculator
    • Contact us
    What you need to know

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

    For accounts with BSB number 939 900 and accessed via the AMP bank app, Terms and Conditions apply and are available here.

    For accounts with BSB number 939 200 and accessed via the My AMP app, Terms and Conditions are available here.

    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.

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