HSBC pays over 4% p.a., no account keeping or transaction fees (except A$15
for international telegrphic transfers), (very good) internet banking,
telephone banking, free BPAY, card and telephone customer service.  So good
I opened an account last month.

I'm closing my Westpac account soon but I must say they provide very good
customer services (24/7 on the phone), good quality products and good
creditworthiness assessment for easy personal lending and credit card
services. However you pay a premium for the service with account keeping and
transaction fees.

David Hillary


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