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Australian Banks - where do you put your money?

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Comments

  • IslanderndCityIslanderndCity Adelaide
    Posts: 2,274Member, Moderator
    Joined: Mar 30, 2013
    How about citibank? Ok ba and accessible citibank sa Oz? Dito kasi sa sg kahit konti lang atm machines nila atleast meron sa lahat halos ng mrt stations :)
    nah... not that plenty!!

    patay tayo diyan if nasa suburbs tayo as walang mga citibank atms.

    you can't go wrong with a big 4; NAB and CBA kami.
    ano po ang big 4 diyan sa Au?
    Para makapag-apply online po ako dito sa SG then activate in Au soon (in God 's will).
    Mate, google is your friend but since you ask, it shall be given to you... :)

    http://en.wikipedia.org/wiki/Big_Four_(banking)#Australia.2FNew_Zealand
    Thanks mate.
    Sabi nga sa bible:
    Matthew 7:7 "Ask and it shall be given to you"...

    Assessed Occupation: Industrial Engineer (IE 233511)
    Achieved Goal: Australia PR (Permanent Resident). Thanks God!

    ...sharpening my core gifts now...
    ...working on new, better goals...

    Bless those who curse you, pray for those who mistreat you. ~Luke 6:28~

  • kookie420kookie420 Sydney
    Posts: 101Member
    Joined: Apr 19, 2013
    bilib ako sa patience mo tasburrfoot.
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    bilib ako sa patience mo tasburrfoot.
    TA!

    trying... ahahaha!! :)

    Kumusta @kookie420? Ikaw to ang bisaya na taga singapore na buros noh?

    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!!

  • kookie420kookie420 Sydney
    Posts: 101Member
    Joined: Apr 19, 2013
    @tasburfoot dili na buros ron, buros looking na lang hehe
    husband na nako ga post, ayaw tuo sa iyaha haha
    daghan jud dili ka himao mu google diri
  • peterpan07peterpan07 Canberra
    Posts: 290Member
    Joined: Sep 14, 2013
    We are already in Perth! :) ang ginawa po nmen about our money, since my account kme sa citibank nagopen kme dun ng foreign currency account for AUD. so nagpapachange kme ng aud sa labas which is mas mganda ang palitan kesa bank's rate. then pinapasok nmen sa foreign currency account. then pinaactivate nmen tong account nato bgo kme pumunta here. so withdraw nmen ung money thru atm with no charge. at saka nmen dineposit sa NAB. iwas bank's exchange rate tlga ang purpose nmen.

    ANZSCO 233311
    02 Oct 2013 - EA Positive Assessment
    05 Oct 2013 - Submit EOI
    11 Oct 2013 - WA SS invitation
    21 Oct 2013 - Visa 189 invitation
    23 Oct 2013 - Lodge Visa Subclass 189
    28 Oct 2013 - SG PCC applied / Medicals done
    31 Oct 2013 - Medical Result -No health examinations required
    18 Nov 2013 - SG PCC uploaded
    25 Nov 2013 - Form 80 uploaded
    26 Nov 2013 - VISA GRANT (GSM Brisbane Team 33) To God be all the Glory!!!! (24 Oct 2014 - IED)
    01 May 2014 - Arrival to Perth

    "...and the Lord your God will bless you in the land you are entering to possess." -Deuteronomy 30:16

  • tartakobskytartakobsky Melbourne
    Posts: 276Member
    Joined: Jul 26, 2013
    Bumili po kami ng bank draft sa DBS, 0.12% po ng total amount yung charge. Tapos saka namin dineposito sa Westpac yung bank draft. No other charges naman po.

    312512
    27-07-13 IELTS/24-10-13 TRA +/25-10-13 EOI for 190/25-10-13 SS Application to SA/19-11-13 Invited for 190/21-11-13 Lodged 190/28-11-13 Medical/16-12-13 Upload SG CoC/17-12-13 Medical cleared/13-01-14 Upload NBI/22-01-14 CO allocated, uploaded additional docs/24-01-14 Thank you Lord! Visa grant/30-04-14 Landed in Adelaide

  • rara_avisrara_avis North Ryde
    Posts: 260Member
    Joined: Nov 16, 2012
    Anyone here na recently nagtransfer ng savings from PH to AU banks? My mom asked BDO and required daw may TIN and dapat approved ng Bangko Sentral. I understand yung part about TIN pero bakit kailangan may approval ng Bangko Sentral, hindi naman ako mag-ttransfer ng super laking amount.

    261111 - ICT Business Analyst
    January 4, 2013 - ACS Assessment Submitted
    January 5, 2013 - IELTS Exam (BC Singapore)
    January 18, 2013 - IELTS Result: L:8.5, R:8.5, W:7.5, S:7.0 = OB: 8.0
    March 13, 2013 - Received Positive Assessment from ACS
    March 21, 2013 - EOI Submitted
    July 15, 2013 - Invitation to lodge 189 visa received
    July 25, 2013 - Lodged Visa. Acknowledgement received.
    July 29, 2013 - Medicals done (+ Husband and Baby)
    September 18, 2013 - CO Allocated Team 23 GSM Brisbane (Additional docs requested: SG PCC, Form 80, Evidence of Overseas Experience (payslips, taxation docs, etc), Evidence of English Ability for Husband)
    October 10, 2013 - CO informed us that the evidence of english ability of my Husband is not sufficient. Asked us to pay for EEC, I said.. Hey, no way let him take the IELTS instead. :D
    October 16, 2013 - Uploaded SG COC
    October 19, 2013 - Husband's IELTS Academic Exam (earliest available schedule)
    November 4, 2013 - Uploaded Husband's IELTS test result form
    November 5, 2013 - VISA GRANT! Thank you LORD!!!
    IED - July 30, 2014
    March 23, 2014 - Initial Entry/Holiday
    June 30, 2014 - Flight to Sydney.
    July 28, 2014 - Husband started work.
    September 15, 2014 - First day at my new job. :)

    "If your dreams don't scare you, they aren't big enough"

  • pmzinozpmzinoz Sydney
    Posts: 239Member
    Joined: Jul 01, 2013
    @peterpan07

    bakit walang charge?
  • staycoolstaycool Sydney
    Posts: 758Member
    Joined: Apr 08, 2013
    so far, ano ang BEST interest rates ng ANONG BANGKO na savings?...just asking...hehehe
    • via MARA Agent
      CPA Australia 040912 : NSW SS 030812 : EOI first lodged 081312 : 1st Invitation 083112 : Updated EOI 110812 : 2nd Invitation 032713 : Lodged App 040213 : CO 042213 : medicals: 050213...visa granted (thank YOU LORD!) 060513 ... IED to NSW 03XX14 ??
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    so far, ano ang BEST interest rates ng ANONG BANGKO na savings?...just asking...hehehe

    shop around... key points to remember is iba dito ang savings account versus your everyday transactional account.

    our savings is parked in Commbank Goal Saver; 3.8% nalang sya (it was 4.75% when we opened 18 months back) as long as you increase your ADB by $200 per month.

    Some back offer introductory rates for the first 3-4 months upon account opening.

    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!!

  • peterpan07peterpan07 Canberra
    Posts: 290Member
    Joined: Sep 14, 2013
    @peterpan07

    bakit walang charge?
    sabi ni citibank sg, nde daw cla nagchacharge pag thru atm machine. pero pag over the counter ka, meron daw cla charge. meron kc cla max limit na pde mo iwidraw thru atm. note na ung account namen eh foreign currency account -aud. nung nagpunta kme dito sa citibank bldg sa perth, walang charge nung nagwidraw kame sa atm nila. pero pag sa iba ka nagwidraw, even citibank atm pero outside ng bldg nila, we noticed na nagchacharge xa. so lagi lng kme dun sa atm machine sa citibnk bldg nagwiwidraw.

    ANZSCO 233311
    02 Oct 2013 - EA Positive Assessment
    05 Oct 2013 - Submit EOI
    11 Oct 2013 - WA SS invitation
    21 Oct 2013 - Visa 189 invitation
    23 Oct 2013 - Lodge Visa Subclass 189
    28 Oct 2013 - SG PCC applied / Medicals done
    31 Oct 2013 - Medical Result -No health examinations required
    18 Nov 2013 - SG PCC uploaded
    25 Nov 2013 - Form 80 uploaded
    26 Nov 2013 - VISA GRANT (GSM Brisbane Team 33) To God be all the Glory!!!! (24 Oct 2014 - IED)
    01 May 2014 - Arrival to Perth

    "...and the Lord your God will bless you in the land you are entering to possess." -Deuteronomy 30:16

  • ban868ban868 Sydney
    Posts: 1Member
    Joined: May 26, 2014
    Hi guys! I am working for Westpac in Edgecliff, near Bondi Junction. I can assist you with account opening and all other bank related concerns, especially for those migrants who would wanna set up a bank account prior to moving here permanently, for the convenience of transferring money from bank to bank. Should any of you need my assistance, just shoot me an email at [email protected]. Cheers!=)
  • piglet24piglet24 Sydney
    Posts: 334Member
    Joined: Sep 09, 2012
    @kookie420: aha! nadakpan na jud tika diri. I was trolling...ay researching diay for banks. still confused which one to choose though.

    Occupation: Civil Engineer (ANZSCO 233211)
    Main Applicant: Moi

    February 02, 2013 - IELTS - passed
    August 27, 2013 - Sent CDR to EA for Assessment
    January 15, 2014 - Received Positive Assessment
    February 24, 2014 - Submitted EOI
    March 10, 2014 - Received Invitation to Apply for Visa
    March 31, 2014 - Lodged Visa 189 (but system reflected application lodged on April 1, 2014 due to time diff)
    April 19, 2014 - Medicals done and all documents uploaded
    May 2014 - CO Allocated
    June 2014 - SSS and Pagibig documents for 2009-2010 requested
    July 2014 - Visa Grant! God is Great!
    September 2014 - IED
    August 2015 - Big move

    ----countdown mode ----

  • atchinoatchino Sydney
    Posts: 312Member
    Joined: Jan 09, 2011
    edited August 2014
    Tips:

    - open transaction at savings account with the big 4 banks or any bank that has branch or banks where you can transfer money from overseas to Australian bank.
    Look for banks that has no monthly fee. Some banks requires you to deposit from 1k to 2k per month to waive the fees.


    Big 4 banks provide lower interest rate or they only provide honeymoon rate like good for 3-4months bonus interest rate.

    Yoiu can stay with them until the bonus rate expire then move your money to an online savings account which provide higher interest.

    Exampke is Ubank. They provide up to 4.17% interest rate.
    - makakuhaka ba sa pinas ng above 4% interest rate sa bank

    note: I am not connected with Ubank or bnkwest any banks or finance institution I mention.


    What I did:
    - I have bank account with one of the big 4 banks. Open transaction and savings account.
    I use the transaction account for everyday expenses as it has a link debit card.
    - Open a online savings account with higher interest rate.
    savings account cannot be use for everyday transaction.
    - Advise your emplyer to split the deposit of your salary. deposit the monthly alloted budget on the transaction account and deposit the remaining salary to the online savings account with higher interest rate.

    This way, you separate your bucket for expenses and for savings.

    Actually, you cna create multiple account in Ubank if you want to be more specific about the savings like before I created an account for house deposit / emergency fund.


    - Open children savings account to get higher rate than online savings account.
    Sample info of children savings account:
    http://yzzymae.blogspot.com.au/2014/08/highest-kids-savings-interest-bankwest.html

    To all Kuripotz.. please visit my blog.
    May kasabihan tayo: Kuripot man at magaling... yayaman din....

    http://kuripotism.blogspot.com.au

  • Chris91Chris91 Singapore
    Posts: 14Member
    Joined: Jan 03, 2022

    Hi newbie here, expat from singapore.
    Pa-advice po if anyone opened credit card in Singapore and used in it Australia.
    I am still waiting for my grant but want to prepare these things in advance.
    Thanks appreciate any response. <3 <3 <3

    312111- Architectural Draftsperson | Current Points: 80
    Age:30 | Education:15 | English:10 | Work Exp:10 | Partner:10 | State:5

    30-11-2020: Completed Document Requirements
    05-01-2021: Lodge documents for VETASSESS
    29-03-2021: Received positive skills assessment from VETASSESS
    07-12-2021: PTE A - L:77 | R:74 | S:83 | W:71 - Proficient
    14-08-2022: Lodge EOI / ROI both 190 or 491
    04-03-2023: ITA VIC 190 received
    04-04-2023: Visa Lodgment - Received IMMI confirmation and DHA Letter
    19-05-2023: Completed Medical
    09-02-2024: Added baby in my Application
    08-04-2024: CO request S59 for Me & Baby Medical
    05-08-2024: Visa Grant. Thank you Lord
    Direct Grant

  • dantz15dantz15 Sydney
    Posts: 387Member
    Joined: Apr 29, 2014

    @Chris91 said:
    Hi newbie here, expat from singapore.
    Pa-advice po if anyone opened credit card in Singapore and used in it Australia.
    I am still waiting for my grant but want to prepare these things in advance.
    Thanks appreciate any response. <3 <3 <3

    Hmm...anung exact question mo? May CC ako sa SG dati then first few months yun ang gamit ko pero its not advisable kasi lugi ka sa exchange rate and international fee

    261313 Software Engineer

    12 Sep 2014 - Completed Docs for ACS Assesment
    15 Sep 2014 - Submitted Docs to ACS
    22 Sep 2014 - AQF Diploma (deducted 5 yrs exp)
    07 Feb 2015 - IELTS IDP SG (L:8.0 R:8.0 W:6.5 S:6.5)
    23 Feb 2015 - Paid for Remarking
    28 Feb 2015 - IELTS IDP SG (L:9.0 R:8.5 W:6.5 S:7.0)
    16 Mar 2015 - Paid for Remarking again =(
    27 Mar 2015 - 1st Remarking result (unchanged)
    07 Apr 2015 - Booked another IELTS exam
    09 Apr 2015 - 2nd Remarking result (W:6.5 -> 7.0, S:7.0 -> 7.5)
    Finally!!
    15 Apr 2015 - EOI Submitted (189 - 60 points)
    13 May 2015 - Will Receive Invitation (BIL! BIL!) - Nothing happened here
    09 Jun 2015 - Modified EOI to include 190-NSW (65pts)
    18 Jun 2015 - ITA for NSW Nomination
    19 Jun 2015 - Paid NSW Nomination App Fee
    22 Jun 2015 - ITA for Visa, NSW Nomination Approved
    26 Jun 2015 - LODGED
    26 Jun 2015 - CTC and Uploaded all Docs
    28 Jun 2015 - Upload photos
    29 Jun 2015 - Applied SG COC
    01 Jul 2015 - Medical done, son's medical uploaded
    03 Jul 2015 - Claim SG COC, CTC and Upload remaining Docs
    03 Jul 2015 - Wife Medical Uploaded
    04 Jul 2015 - My Medical Uploaded
    19 Aug 2015 - Direct Grant!!! Basta Ikaw Lord! (IED: 03 Jul 2016)
    20 Aug 2015 - Job hunting begins
    30 Aug 2015 - Initial Entry (alone)
    21 Oct 2015 - First day! BIL! :)

  • Chris91Chris91 Singapore
    Posts: 14Member
    Joined: Jan 03, 2022

    Thanks po sa reply, were still thinking kng kukuha na now or sa Aussie na.
    Anyway im still researching which bank we can use.
    thanks again.

    312111- Architectural Draftsperson | Current Points: 80
    Age:30 | Education:15 | English:10 | Work Exp:10 | Partner:10 | State:5

    30-11-2020: Completed Document Requirements
    05-01-2021: Lodge documents for VETASSESS
    29-03-2021: Received positive skills assessment from VETASSESS
    07-12-2021: PTE A - L:77 | R:74 | S:83 | W:71 - Proficient
    14-08-2022: Lodge EOI / ROI both 190 or 491
    04-03-2023: ITA VIC 190 received
    04-04-2023: Visa Lodgment - Received IMMI confirmation and DHA Letter
    19-05-2023: Completed Medical
    09-02-2024: Added baby in my Application
    08-04-2024: CO request S59 for Me & Baby Medical
    05-08-2024: Visa Grant. Thank you Lord
    Direct Grant

  • annedeterminedannedetermined Caloocan City, Phils
    Posts: 122Member
    Joined: May 25, 2020

    @Chris91 said:
    Thanks po sa reply, were still thinking kng kukuha na now or sa Aussie na.
    Anyway im still researching which bank we can use.
    thanks again.

    Hi. Just wanna share what I did. BM last May 2023. I opened Commonwealth Bank while in the Phils, online lang siya, then activated it pagdating ko here sa Australia. The card is available na when you arrive in the branch of your choice. Basta magdala lang ng passport and visa grant. Itatanong rin yung TIN mo sa pinas.

    That's designed for migrants. Hope it helps.

    kidfrompolomolokera222hanah

    Nominated Occupation: Civil Engineer
    ANZSCO: 233211
    OFFSHORE | DIY


    POINTS BREAKDOWN
    Age (27yo) : 30
    English (Proficient) : 10
    Educ (Section 2 + PRC) : 15
    Civil Status (Single) : 10
    Overseas Work XP (PH) (5 Years) : 10


    CURRENT POINTS
    SC189: 75


    TIMELINE
    00-00-2018 Started research for AU Immigration (But age not yet max, 23)
    23-12-2020 First Move: Booked for PTE (Age Max: 25) <4x delays due to COVID>
    08-10-2021 PTE (Proficient)
    26-08-2022 Submitted CDR to EA (CDR + RSEA + Fast Track)
    11-09-2022 EA Positive Outcome (After 16 Calendar Days)
    11-09-2022 EOI Filed (VIC: 189/190/491)
    13-09-2022 EOI Filed (NSW, SA, Any: 189/190/491)
    21-09-2022 PTE (Proficient)
    06-10-2022 Received ITA for Subclass 189 @ 75pts
    07-11-2022 NBI Appointment
    13-11-2022 Visa Lodgment of Subclass 189
    14-11-2022 Frontloaded: Form 80 and Form 1221
    15-11-2022 Frontloaded: NBI Clearance
    25-11-2022 Medicals at NHS Makati
    01-12-2022 Medicals Cleared
    11-04-2023 Visa Grant (AFTER 150 DAYS OF WAITING)
    12-04-2023 PDOS
    20-05-2023 BIG MOVE | START OF NEW CHAPTER!! Arrived in Straya ☝️☝️☝️☝️☝️☝️

    19-05-2024 First Holiday in PH for the Wedding (After a full year)
    14-06-2024 Returning to Australia with Husband
    XX-XX-2027 Citizenship Ceremony


    PARTNER SPONSORSHIP TIMELINE

    04-11-2023 Fiancé applied for a Tourist Visa
    07-11-2023 Fiancé Biometrics at VFS Global Makati
    08-11-2023 Fiancé Tourist Visa - Granted
    05-06-2024 Wedding in PH
    30-05-2024 NBI - Advanced
    14-06-2024 First Entry to Oz via TV
    XX-08-2024 Lodgment of Partner Visa
    XX-XX-2024 Partner Visa - Temp - Granted
    XX-XX-202X Partner Visa - Perm - Granted
    XX-XX-2028 Citizenship Ceremony


    MISC TIMELINE

    22-05-2023 Applied for TFN, Medicare
    03-06-2023 Received TFN number through the mail (12 days)
    24-07-2023 First day of work
    05-08-2023 Got the Digital Medicare Card (76 days)
    16-08-2023 Got the Physical Medicare Card
    31-08-2023 Submitted Rental Application
    13-09-2023 Rental Application Approved
    15-10-2023 Availed Ambulance Cover
    03-11-2023 Rental Property Turnover

  • hanahhanah Philippines
    Posts: 25Member
    Joined: Jul 28, 2020

    @annedetermined said:

    @Chris91 said:
    Thanks po sa reply, were still thinking kng kukuha na now or sa Aussie na.
    Anyway im still researching which bank we can use.
    thanks again.

    Hi. Just wanna share what I did. BM last May 2023. I opened Commonwealth Bank while in the Phils, online lang siya, then activated it pagdating ko here sa Australia. The card is available na when you arrive in the branch of your choice. Basta magdala lang ng passport and visa grant. Itatanong rin yung TIN mo sa pinas.

    That's designed for migrants. Hope it helps.

    Sobrang helpful po nito. Thank you

    era222annedetermined
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