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Australian Banks - where do you put your money?

TasBurrfootTasBurrfoot OsakaPosts: 4,336Member
edited December 2012 in General
What bank are you currently using and why?

ANZ, Commonwealth, Westpac and NAB - these are the so-called Big 4 amongst the banks in Australia but where do you place your money?

Thanks everyone...

Primary Applicant: Wife
Accountant (General): 221111

04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

«13456789

Comments

  • JClemJClem Melbourne
    Posts: 528Member
    Joined: Jan 08, 2011
    Currently, husband and I both have an account with NAB kasi nun nasa Manila kami sya pinakamadali i-open online from Manila. Ok din kasi sya walang monthly fee but interest earning is low. I've heard ok daw ang Westpac, though meron syang monthly fee pero mataas daw interest earning. :) I might open an account with Westpac cause we don't want to keep our funds in just one bank in case it closes due to bankcruptcy. :)

    Nominated Occupation: Software Engineer (261313) - Husband is the primary applicant.

    10.21.2012 - Arrived in Melbourne. This is the day that the Lord has made. :)
    03.26.2012 - Visa granted. God is good, all the time! All the time, God is good! :)
    03.23.2012 - PCC submitted and medicals finalized
    03.02.2012 - Application being processed further / CO assigned
    06.26.2011 - Lodged Visa 175 application

  • TotoyOZresidentTotoyOZresident Posts: 1,327Member, Moderator
    Joined: Jun 28, 2011
    St. george

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"

  • LittleBoyBlueLittleBoyBlue North Ryde
    Posts: 334Member
    Joined: Sep 03, 2012
    ano may pinakamaraming ATM na available?

    ICT Business Analyst - Visa 189 Granted Oct 2012

  • TotoyOZresidentTotoyOZresident Posts: 1,327Member, Moderator
    Joined: Jun 28, 2011
    edited December 2012
    ano may pinakamaraming ATM na available?
    Pansin ko Commonwealth ang mas marami na ATM machine second Westpac then ANZ. Every Shop naman lahat ng banks may ATM machine. Di naman problema kung saan ang may ATM importante may sasakyan ka para madali mo maapunta ang ATM machine.

    Quotes:
    "Wise men learn from their mistakes, but wiser men learn from the mistakes of others."
    'Success is when you finished what you have started."

    If you’re looking for Church in Canberra ACT Australia and you want to fellowship with Christian Filipino Australian.
    Come and join us in Jesus Is Lord Church Canberra service every Sunday at 10:30AM to 12:30PM
    Where: 53 Georgina Crescent, Kaleen ACT 2617
    (Back of Kaleen Shopping Centre)
    For more information, please PM me or visit

    http://jilcanberra.org.au

    "To God be the glory"

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Ano mga binubuksan niyong account diyan sa Australia? Ordinary cash account? May nakasubok na sa inyo nung term deposits nila? Parang antataas kasi ng interest hehe
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    We opened and deposited most of our money in Commonwealth Bank's Goal Saver Account - it is currently paying at 4.9% provided that your account will increase (excluding interest) by A$200 at the end of each month.

    http://www.commbank.com.au/personal/accounts/savings-accounts/goalsaver/rates-fees.aspx

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Yung 4.9% is that fixed or subject siya sa rba changes?
  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    edited December 2012
    sorry double post...

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
    Jan 20 2013 - Started our job hunt
    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
    Apr 22 2013 - End of my "HOUSE-BAND" career :)

  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    We opened and deposited most of our money in Commonwealth Bank's Goal Saver Account - it is currently paying at 4.9% provided that your account will increase (excluding interest) by A$200 at the end of each month.

    http://www.commbank.com.au/personal/accounts/savings-accounts/goalsaver/rates-fees.aspx
    tanong ko lang po...so na-try nyo na mag fund transfer from DBS/POSB to Commonwealth account? magkano po yung charges? :)

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
    Jan 20 2013 - Started our job hunt
    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
    Apr 22 2013 - End of my "HOUSE-BAND" career :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @hotshot - 5 AUD boss... :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • CleonCleon Singapore
    Posts: 113Member
    Joined: Sep 20, 2012
    @psychoboy, Bai kahit anong amount $5 charge?
    Kaya lang ang exchange ratefrom SGD to AUD di ba lugi kapag big bills na compared sa black market?

    Dec' 11 IELTS ,
    Jan'12 Applied for EA,
    Apr'12 Recieved EA approval,
    Jul'12 IELTS again- 7.5-O,
    8th Aug '12 submitted EOI for 189, EOI points 65. Plant Engineer
    1 Oct '12 Recieved inviation
    2 OCt '12 Lodge
    8 Oct '12 Ack Rcvd
    12 Oct 12 Medical Completed
    30 Oct '12 CO Allocated, adelaide.gsm.team7-HL
    1 Nov '12 PCC applied Singapore
    28 Nov 12 VISA Grant!! Thank you LORD!

  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    @hotshot - 5 AUD boss... :)
    5 AUD is yung bank fee?

    then dagdag pa yung 20SGD Cable/Telex Charge and the 5 or 10SGD na Handling Commission?

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
    Jan 20 2013 - Started our job hunt
    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
    Apr 22 2013 - End of my "HOUSE-BAND" career :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    We opened
    @psychoboy, Bai kahit anong amount $5 charge?
    Kaya lang ang exchange ratefrom SGD to AUD di ba lugi kapag big bills na compared sa black market?

    @cleon - ang sabi is 5 to 11 AUD daw... ok na rin ito at least nasa banko na ang baon namin and it is earning interest na rin.

    am not sure how competitive are the rates versus getting physical bills. feeling ko di masyado malayo eh.


    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @hotshot - 5 AUD boss... :)
    5 AUD is yung bank fee?

    then dagdag pa yung 20SGD Cable/Telex Charge and the 5 or 10SGD na Handling Commission?
    yes boss...

    5AUD - bank charge for receiving (sent 10k, 5aud pa rin charge)
    5/10 sgd for handling and 20 sgd for cable charge

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    @hotshot - 5 AUD boss... :)
    5 AUD is yung bank fee?

    then dagdag pa yung 20SGD Cable/Telex Charge and the 5 or 10SGD na Handling Commission?
    yes boss...

    5AUD - bank charge for receiving (sent 10k, 5aud pa rin charge)
    5/10 sgd for handling and 20 sgd for cable charge
    thanks!

    pahabol na questions. sorry ha. hehehe

    yung Goal Saver Account ng Commonwealth...walang monthly fee...am i right? pero kelangan mo sya i-link sa isang Transaction Account....tapos yun ang may monthly fee na either 4 or 6AUD per month?

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
    Jan 20 2013 - Started our job hunt
    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
    Apr 22 2013 - End of my "HOUSE-BAND" career :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @hotshot - 5 AUD boss... :)
    5 AUD is yung bank fee?

    then dagdag pa yung 20SGD Cable/Telex Charge and the 5 or 10SGD na Handling Commission?
    yes boss...

    5AUD - bank charge for receiving (sent 10k, 5aud pa rin charge)
    5/10 sgd for handling and 20 sgd for cable charge
    thanks!

    pahabol na questions. sorry ha. hehehe

    yung Goal Saver Account ng Commonwealth...walang monthly fee...am i right? pero kelangan mo sya i-link sa isang Transaction Account....tapos yun ang may monthly fee na either 4 or 6AUD per month?
    Isang account lang ito @hotshot - this is my sole banking account sa Commonwealth...

    May fee ata ito if you make more than 1 withdrawal per month. But for now since matutulog pera ko dito for 4 months before we migrate, I don't look at this muna. In due time cguro, I will open another account naman and it will be for daily usage for me and my wife.

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Meron ba silang account diyan na waived yung monthly fees pag bihira mo lang galawin yung account? $4-6 a month is a big thing in the long run e hehe
  • tuts1914tuts1914 Brisbane
    Posts: 17Member
    Joined: Jul 30, 2012
    Kami din sa Commonwealth Bank nag-open, and same as pyschoboy Goal Saver Account din. Pero maganda din that you have their Everyday account kase that includes a Debit/ATM card. Yung Goal saver kase walang card so tama lang yun pang save tlga. According to them for the "Everyday" account may $4 charge monthly but you can avoid that if may papasok na at least $2000 monthly, which is kaya nman esp kpag nagwowork ka na. Ang goal saver alam ko wala naman monthly fee.
  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    $2,000 monthly?? malaki a...might as well put that amount in superannuation mas malaki pa itutubo niyang pera hehe
  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    $2,000 monthly?? malaki a...might as well put that amount in superannuation mas malaki pa itutubo niyang pera hehe
    magkano po ba ang interest sa super account?

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
    Jan 20 2013 - Started our job hunt
    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
    Apr 22 2013 - End of my "HOUSE-BAND" career :)

  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    @LokiJr - NAB at Citibank everyday accounts walang monthly fee kahit walang pumapasok na minimum account every month

    @hotshot depende kung gano kagaling ang super provider mo and risk level na pinili mo. same lang as kung pano ka nagiinvest ng bonds and stocks
    aaahhh...di ko pa kasi naaaral yang super. hehe

    dito kasi sa sg...yung mga perang pumapasok sa CPF account...pwedeng dun lang pera mo at kumikita ng interest (kahit di mo na iinvest). so parang bank account lang pero controlled ng gobyerno at mataas ang interest compared to the banks.

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
    Jan 20 2013 - Started our job hunt
    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
    Apr 22 2013 - End of my "HOUSE-BAND" career :)

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @hotshot kung hindi mo naman kailangan yung pera mas ok itago sa super na lang...15% lang ang taxation ng lahat ng pinapasok mo dun tapos ikaw bahala sa allocation niya (cash, bonds, shares, properties) :)
  • hotshothotshot Sydney
    Posts: 1,643Member
    Joined: Nov 10, 2011
    @hotshot kung hindi mo naman kailangan yung pera mas ok itago sa super na lang...15% lang ang taxation ng lahat ng pinapasok mo dun tapos ikaw bahala sa allocation niya (cash, bonds, shares, properties) :)
    aaahhh...taxable pala ang pera sa super. yan ang mga bagay na di ko alam. now i know! dito kasi sa SG...yung mga pera namin sa CPF ay tax free. so lumalabas na savings pa sya kasi yung employee contribution ay di kasama sa computation ng tax. hehe

    makapagsimula na ngang magbasa about super. thanks! :)

    Occupation: Analyst Programmer (ANZSCO Code 261311)
    May 21 2012 - lodged visa 176 (NSW) online application
    May 30 2012 - CO allocation
    Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
    Jan 19 2013 - Arrived in Sydney
    Jan 20 2013 - Started our job hunt
    Mar 11 2013 - Officially became a "HOUSE-BAND" :)
    Apr 22 2013 - End of my "HOUSE-BAND" career :)

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    Kung after-tax money pinasok mo sa super mo (after tax as in yung net income mo sa suweldo) then hindi na taxed yung pinasok mo...

    Magiging taxable (15%) yung contributions mo kung...
    1) nagpasok ka ng after tax money sa super pero nagfile ka ng tax deduction sa ITR
    2) nag salary sacrifice ka etc..
  • MetaformMetaform Melbourne
    Posts: 506Member
    Joined: Jul 15, 2011
    edited December 2012
    Hi guys. Advisable din bang mag-open ng bank account yung dependent kahit hindi sya magtatrabaho?

    CO and Visa Grant: 9 Oct 2012
    The beginning of the rest of our lives: January 4, 2013

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @Metaform Pag may excess cash kayo, I don't see anything wrong with it. Ang isa pang massuggest ko, pa-open mo siya ng superannuation account kahit hindi nagttrabaho. Ang gawin mo dun, magcontribute ka sa account niya and you will get as much as 30% back as tax offset :)
  • bmc_cpubmc_cpu North Ryde
    Posts: 141Member
    Joined: Mar 11, 2012
    edited January 2013
    Hi Guys. Saan po mas mataas rate magpalit to AUD from USD or PhP? Pilipinas or OZ?
    Parang nakikita ko po kasi ang mahal sa OZ ng palitan ng PhP to AUD. Pwede din kaya dito sa Pilipinas magpapalit ng USD to AUD? Thanks po.

    Subclass 190 - Software Engineer
    April 5- ACS Application
    May 12 - IELTS Exam
    May 25 - IELTS result (R&L - 7.5, S - 8, W - 7)
    May 30 - ACS Result ( Not suitable due to less than 4 yrs. exp./ 1 mo. short)
    July 9 - ACS Review Application
    July 19 - ACS Review result (Suitable); EOI Submission
    July 27 - NSW State Sponsorship Application ( Payment rejected)
    Aug 3 - Payment in AUD sent
    Aug 16 - Invitation and Visa Lodgment
    Aug 20 - GSM Adelaide Acknowledgement
    Aug 21 - Health Examinations List received
    September 5 - PCC
    September 6 - Medical Exam
    October 1 - Employment verification by the Embassy
    October 18 - Visa Grant
    October 26 - Notification of Grant letter arrived. Finish line

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    May nakasubok na ba sa inyo ng U Bank or RAMS? Pansin ko mas competitive rates nila
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    Hi Guys. Saan po mas mataas rate magpalit to AUD from USD or PhP? Pilipinas or OZ?
    Parang nakikita ko po kasi ang mahal sa OZ ng palitan ng PhP to AUD. Pwede din kaya dito sa Pilipinas magpapalit ng USD to AUD? Thanks po.
    Here in the Philippines, I have never seen anyone doing a an exchange between 2 quote currencies (in this matter, AUD and USD)

    It will always be converted first to the base currency in Pinas which is the PHP then converted again into the currency your want; for this instance:

    (1) USD converted into PHP (may loss ka na dito due to commission/spread from money changer)
    (2) PHP converted AGAIN into AUD (another round of loss ulit ka dito)

    So, in essence - yeah technically pwede ka magpalit from USD to AUD but I would reckon it would still be cheaper to exchange your USD sa Australia na mismo so the conversion will be direct.

    Hope this helps you! Cheers... :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • bmc_cpubmc_cpu North Ryde
    Posts: 141Member
    Joined: Mar 11, 2012
    @psychoboy Thanks po. Actually yan din plano ko. Pero for my PhP fund, dito ko na siguro sa Pilipinas papa exchange to AUD, chineck ko kasi sa NAB parang ang taas ng selling rate nila from Php to AUD.

    By the way, para sa lahat din ng taga OZ tong question na to:
    1. Anong bank ang mas maganda for first-time migrants to open an account with, wherein yung purpose mo lang talaga is to have an account at walang extrang charges, maging dormant man yung account mo whatsoever?

    Subclass 190 - Software Engineer
    April 5- ACS Application
    May 12 - IELTS Exam
    May 25 - IELTS result (R&L - 7.5, S - 8, W - 7)
    May 30 - ACS Result ( Not suitable due to less than 4 yrs. exp./ 1 mo. short)
    July 9 - ACS Review Application
    July 19 - ACS Review result (Suitable); EOI Submission
    July 27 - NSW State Sponsorship Application ( Payment rejected)
    Aug 3 - Payment in AUD sent
    Aug 16 - Invitation and Visa Lodgment
    Aug 20 - GSM Adelaide Acknowledgement
    Aug 21 - Health Examinations List received
    September 5 - PCC
    September 6 - Medical Exam
    October 1 - Employment verification by the Embassy
    October 18 - Visa Grant
    October 26 - Notification of Grant letter arrived. Finish line

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