An apparatus and method for allocating a data flow based on selection criteria including receiving at least one policy including at least one indication for selecting an access from two or more of available accesses; determining a selection criterion based on the data flow; and selecting the access based on the determined selection criterion and the at least one indication. In one example, the selection criterion is one of the following: a bandwidth requirement for the data flow, an application generating the data flow, a protocol used to carry the data flow, a file size, an application name/ID, a role ID, or a throughput of the data flow. In one example, the policy is a management object (MO) received from an Access Network Discovery and Selection Function (ANDSF) module and the selected access is for a wireless local area network (WLAN), a LTE network or for a 3GPP service.