Australian Banks - where do you put your money?

JCsantos

<blockquote rel="psychoboy"><blockquote rel="JCsantos">Try Bankwest ... pwede kahit anong ATM ....

we have St George for out Mortgage and savings ...

my Wife is on Bankwest

and me on Commonwealth

Just like the poster way above before me, better not put your eggs on one basket </blockquote>

Pwede kahit anong ATM but you will incur charges, am I right @JCsantos?</blockquote>

No charges if it is the BIG four banks ATM

JCsantos

<blockquote rel="jaero"><blockquote rel="JCsantos">Try Bankwest ... pwede kahit anong ATM ....

we have St George for out Mortgage and savings ...

my Wife is on Bankwest

and me on Commonwealth

Just like the poster way above before me, better not put your eggs on one basket </blockquote>

1 ako sa yo dito sa paghihiwalay ng mga accounts.

bankwest may zero atm transaction fee on major banks. pero same as with most accounts in au, may 2k monthly deposit requirement eto ang downside nga lang pero sobrang convenient sa paghahanap ng atm machines halos kahit saan meron ka makikita lalo na sa big 4 banks 🙂

http://www.bankwest.com.au/personal/everyday-accounts/everyday-transaction-accounts/zero-transaction-account

sa walang minimum monthly deposit requirement, NAB at citibank lang ang alam kong nagooffer nito. paadd na lang kung may madiscover pa kayong iba

</blockquote>

Kung meron kang work simply have it deposited to your bankwest account problem solved ...

TasBurrfoot

<blockquote rel="JCsantos"><blockquote rel="psychoboy"><blockquote rel="JCsantos">Try Bankwest ... pwede kahit anong ATM ....

we have St George for out Mortgage and savings ...

my Wife is on Bankwest

and me on Commonwealth

Just like the poster way above before me, better not put your eggs on one basket </blockquote>

Pwede kahit anong ATM but you will incur charges, am I right @JCsantos?</blockquote>

No charges if it is the BIG four banks

</blockquote>

NICE!! 🙂 Very convenient then... Sometimes kasi, I find a hard time din looking for atm kahit na Big 4 ang banko namin.

JCsantos

NICE!! 🙂 Very convenient then... Sometimes kasi, I find a hard time din looking for atm kahit na Big 4 ang banko namin.</blockquote>

Problem lang namin yan pag sa chinese shop kami kumakain .. normally cash sila ...

ako kasi normal na 20$ lang laman ng wallet ko ... sa credit card ko lahat chinacharge mas convenient

icebreaker1928

NICE!! 🙂 Very convenient then... Sometimes kasi, I find a hard time din looking for atm kahit na Big 4 ang banko namin.</blockquote>

Problem lang namin yan pag sa chinese shop kami kumakain .. normally cash sila ...

ako kasi normal na 20$ lang laman ng wallet ko ... sa credit card ko lahat chinacharge mas convenient

</blockquote>

Filo store din cash basis... pinas na pinas style hehee...

minsan $10 na lang pala laman ng wallet ko, tapos $20 binili ko.. ayun withdraw.. buti na lang mabait si ate, inaantay ako makapagwithdraw hehehe... 😃

nfronda

Maganda din ang westpac.. I have 2 accounts in Westpac, one is cheque account kung saan doon pumpasok ung sweldo q and other one is reward savings account.. So far ok din ang interest ng reward savings account.. Nung last month aq nag open nito at nlagyan q kaagad ng 2k AUD then after a month $6 ung interest nya..

Sa westpac merun clang monthly fee na $5 pag bumaba ng 2kAUD ang lman ng account m..

But wla clang minimum deposit pag nag open ka ng account sa kanla.. Make sure lg na within a month malalagyan m ng 2k AUD ung account m..

icebreaker1928

wag nga din pala kalimutan ilagay ang TFN sa bank account... ang laki ng tax pag walang TFN...

nangyari samen to nung nag-open kami ng joint account... kelangan pala both TFN ilagay, ayun ang laki tuloy ng tax sa interest namin 🙁

TasBurrfoot

<blockquote rel="icebreaker1928">wag nga din pala kalimutan ilagay ang TFN sa bank account... ang laki ng tax pag walang TFN...

nangyari samen to nung nag-open kami ng joint account... kelangan pala both TFN ilagay, ayun ang laki tuloy ng tax sa interest namin 🙁</blockquote>

Pwede mo ito ma reclaim when you file your tax... 🙂

icebreaker1928

@psychoboy yes sir, gagawin ko yan, sayang din yun pang mcdo 😃

staycool

<blockquote rel="stolich18">@staycool natry ko so far bpi.</blockquote>

thanks...i'll try to inquire dun...

ozzieness

which is the best para sa mga nakaexperience na.

handcarry USD to OZ then convert to AUD
convert USD to AUD in Phils. then handcarry to oz
online bank transfer of USD (USD acct. in Phils.) to AUD in oz bank

let's just say the money is more than 10k USD. tia

JCsantos

<blockquote rel="ozzieness">which is the best para sa mga nakaexperience na.

handcarry USD to OZ then convert to AUD
convert USD to AUD in Phils. then handcarry to oz
online bank transfer of USD (USD acct. in Phils.) to AUD in oz bank

let's just say the money is more than 10k USD. tia</blockquote>

i would'nt do #3 kung ako lang kasi mag iinncurr yan ng fees pag transfer .. better to do #2 kasi pag nag change ka ng pera dito merong fee ulit ...

ozzieness

thanks @JCSantos. regards nga pala kay kst 😃

Hindi ba malaki din ang bawas sa option #2 considering na iikot pa ang conversion from USD to Php to AUD?

TasBurrfoot

<blockquote rel="ozzieness">thanks @JCSantos. regards nga pala kay kst 😃

Hindi ba malaki din ang bawas sa option #2 considering na iikot pa ang conversion from USD to Php to AUD?</blockquote>

If you do #2 sa Philippines - baka ma double charge ka sa FX conversion; kasi:

You sell AUD to buy PHP

You sell PHP to buy AUD

Try mo sa BPI ForEx; last I heard they have capability of doing direct conversion from USD to PHP...

JCsantos

<blockquote rel="ozzieness">thanks @JCSantos. regards nga pala kay kst 😃

Hindi ba malaki din ang bawas sa option #2 considering na iikot pa ang conversion from USD to Php to AUD?</blockquote>

Check if you can conveniently change USD - AUD directly .. no harm in asking

ozzieness

salamat mga bossing.

may idea ba kayo kung magkano usually remittance fee (option #3) at kung may charge ang pag widraw over the counter ng AU$ sa oz? sa ibang country kasi meron.

TasBurrfoot

<blockquote rel="ozzieness">salamat mga bossing.

may idea ba kayo kung magkano usually remittance fee (option #3) at kung may charge ang pag widraw over the counter ng AU$ sa oz? sa ibang country kasi meron.

</blockquote>

Check you bank... It varies yung remittance fee! 🙂 Usually it is a percentage of your amount remitted.

For charges in withdrawing... It varies; ako my transactional account is NAB and buttomless and allowable withdrawal (kaya lang di bottomless ang laman ng account!! 🙂 ) - ang iba naman, may limit sa number of withdrawals.

icebreaker1928

ayaw nyo dalhin USD nyo dito?

mas tumataas na USD vs AUD... malaki palit nyan dito pag nagkataon 🙂

ozzieness

mataas din sa pinas pero tinitignan ko muna kung saan mas lamang. kung dyan ba o sa pinas hehe. sayang pang rent din yung difference.

floradanica

Opened an account with Commonwealth. I filled up an online application then after 3 working days, I got a call from them confirming some of the information on the application form, followed by a 30-minute briefing about our joint account.

Still thinking about how to put money in that account though. Commonwealth charges $11 for receiving money via wire, regardless the amount. Aside from the cash we'll be bringing in (less than 10K AUD), I'm thinking of withdrawing cash from Citibank ATM in Australia, using my Citibank SG card and depositing that cash into our Commonwealth account. I'm afraid though the exchange rate will not be on my favour.

Kung bank transfer kaya from SG bank to Commonwealth Australia? Anong bank kaya ang ok?

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