How much do you know about banks in Australia?

There are four major banks in Australia, namely ANZ, CBA, NAB and Westpac. The big four banks are common on the streets of Australia. If you put your money in the bank, you can easily find ATM machines or branches in various shopping malls or public places to handle affairs. As for which of the four is suitable, it is better to choose a convenient one, just choose one at the branch on campus or at home. Australian banks need to charge a handling fee of $2.50 for cross-bank withdrawals.

& gt& gt& gt& gt open an account

You need to bring your passport when you open an account. When you enter the bank, someone will meet you and ask you what business you want to handle. You can say "I am a novice in Australia, I want to open a bank account and deposit money", and they will take you to the right place. The reason why I tell people that you are new is because the bank can introduce you more information according to your situation. Xiao Ju said this when he first went there, and the staff of the bank enthusiastically introduced the interest rates and special services of Australian banks to me. After the account is completed, the bank will give you an account number, which is a long list and you don't need to remember it. The bank will write/type it on a small card and put it in your wallet. In the future, if you look for a job and your work unit pays you, you won't find any money. Everything will be posted on your card through your account, so you need to give this account to your work unit.

& gt& gt& gt& gt Online Banking

Banks in Australia all have online banking. Which banks in Australia recommend opening one? You can check your account information from your mobile phone or online at any time, or do some transfer services. Many times you can operate online without going to the bank, saving a lot of time. Bank deposits, Australian bank deposits are generally demand deposits with relatively low interest rates, and some banks also have time deposits with higher interest rates, with a term of about one year. Unless otherwise stated, they are all current. For international students, the current period is also more convenient.

& gt& gt& gt& gt credit card

Credit cards are very important in Australia. Can help you pay the cost of water, electricity, coal and electricity grid. When paying online, many bills need credit cards. If you swipe your card with a credit card to a certain stage, you can also exchange various gifts or shopping vouchers, which is also considered affordable.

At present, accounts opened in Australia are basically credit savings cards, that is, ordinary savings cards will be labeled with VISA or MASTER cards, and online transactions can be made directly with account cards. For students who have just arrived in Australia, the bank will also give them an appropriate overdraft limit, usually 500 Australian dollars. In the future, with the increase of work income, you can apply for other types of credit cards.

& gt& gt& gt& gt domestic remittance

Considering the convenience of remittance from China, many people want to choose domestic banks with branches at home and abroad, mainly China Bank, but there are still few branches in Australia. If it is far from their home, it is mainly for their own convenience. If your family and friends want to send money to you from China, you need to go to the Australian bank and ask for a SWIFT code, and give it to your family together with the bank account number, so that they can send money to you at the domestic bank. According to today's exchange rate (USD) plus 20 handling fee to 30 yuan, the money will be credited to your account in two or three working days. Of course, there are other options for remittance. Bank transfer takes a long time, the exchange rate is not favorable enough, and there is a handling fee. Many people choose financial institutions specializing in foreign exchange. To remit money from China, you only need to transfer the money to the domestic account, and then send the remittance receipt, payee's account, name and other information to the designated mailbox or fax, so you can make a local call to your Australian account at that time or when the exchange rate is the most favorable. There is no handling fee, and the exchange rate is more favorable than that of banks. However, some students feel uneasy. Although it is legal in Australia, such financial institutions are illegal in China. Some people also launder money abroad in this way, without going through the bank and leaving no trace.

& gt& gt& gt& gt Australian banks are also lining up.

Banks in Australia also queue up, sometimes for a long time. If you can do it online, you won't bother the bank. The payment bank of hydropower and coal network will not handle it. If we don't pay online, we must go to the post office. Generally speaking, banks are open from 9 am to 4 pm from Monday to Friday. Busy banks may be open for half a day on Saturday, and few banks are open on Sunday. If you want to go to the bank, you should arrange your time reasonably according to the bank's business.

& gt& gt& gt& gt praised the service attitude.

Banks in Australia generally have good environment and services, and there are also Chinese-speaking banks in Chinatown. If a new immigrant family with poor English, or a student studying abroad, goes to an Australian bank, he must bravely ask questions he doesn't understand. Because you are new here, it is normal that you don't understand some things.