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I assume an EU account means that you have to pay Euro's. When I go to their main site, ANZ is using eu-server. http://www.finalfantasyxiv.com/
For the latency, you can choose any server you want, but I prefer you go to Japan server, since there are a lot of SEA and Oceania players in Japan server.
If you buying GameTimeCard, be sure it is EU version other wise it will not accept it.
Example:
I use Japanese, you use English, we play in Japan server. My screen all display as Japanese. Your screen is all English. But when I chat in Japanese, your screen will see Japanese words in chatbox, when you chat in English words my screen show English chat.
So, you can change your language anytime at the game client before you start the game.
http://i.imgur.com/AKlozGS.jpg