I've got a CBA bank account, which I keep "in case I need to go into a branch" but never use. Other than that I use ING, Ubank and American Express for everything.
I'm guessing most people here have at least 1 Big 4 account, but I was wondering:
Does anyone here no accounts with the CBA, NAB, ANZ and Westpac?
P.S. I want to count banks like Ubank and St George as smaller banks, even though they're owned by Nab and Westpac.
Suncorp have that in their flagship branch here in Sydney too. I needed it while waiting to sort out the darn app of theirs!
I'm with a Tier 2 bank but keep a Big 4 account for bank cheqeues etc.
Qudos Bank. Customer since 1989
bankwest here
UBank
ANZ - credit card
NAB credit card everyday account
HSBC credit card
AMEX credit card
ST George credit card everyday account
Westpac credit card everyday account Homeloan
Bankwest credit card
ING 2 everyday account and savers account
Wow hurray, that's great. What's the customer ID and password please…
So far these results are the opposite of what I was expecting. I thought Only Big4 -> Both -> Only Smaller Banks
Looks like "Tier 2 bank" is the term I was looking for.
Tier 2 are your macquarie, bankwest, bendigo, bank of melb, suncorp etc.
and ING?
Just remember some of the smaller banks are affiliates of a big 4.
Yeah, noted:
P.S. I want to count banks like Ubank and St George as smaller banks, even though they're owned by Nab and Westpac.
Sticking with CBA because of the very well maintained APP.
You should try Macquarie Bank. They've got the best banking app on Android I've ever seen!
I love the CBA app, but the latest update, makes it very……..bright? Like a child designed it. Still great though.
I haven't been on wifi for months. Just updated and tried it. Not impressed, I want the old one back lol.
Me too :(
top logic
Macquarie mainly but I have a few accounts open with various banks to deposit/withdrawal cash.
Many non-Big 4 banks have branches now. In fact, some have longer opening hours.
Bank of Melbourne branches (the equivalent of St George, and other brands in different states), are open half-day on Saturday, and close at 5pm every day. The Big 4 do not have the branch advantage anymore.
Having said that, some of us have account(s) from the Big 4 from the past; and as long as they do not incur a fee, see any reason for closing them.
BankFirst (was Vic Teachers CU) + uBank + 28degrees + Amex, here. BankFirst have a nearby branch which I might use once a year.
HSBC - daily spend under $100 (for 2% cashback)
Amex David Jones card - spending at supermarkets (for bonus QFF points)
Macquarie card - other spending (for QFF points at $1 = 1 point)
ANZ - mortgage (for 300k QFF bonus)
CBA - everyday account (does the job & can't be bothered to move)
HSBC - daily spend under $100 (for 2% cashback)
Thanks! I'm going to see if I can get this too…
I'm a QLDer and have everything with Suncorp.
I am with 5 banks and none are the big 4.
ME Bank only
I closed my ME bank account after sitting through too many of those cringe-worthy ads at the Cinemas.
I've been with Commonwealth since I was born. I almost ditched CBA about 10 years ago because they were slow to introduce the debit cards and I wanted to make online purchases, but the finally brought one out and I've stuck with them. The app is really good, and it's just day to day so I don't really have any reason to move. My savings is with Ubank, I've played the credit card roulette with probably every bank in the country.
I don't live in Aus any more but I still have accounts with CBA, Ubank, Citibank and Macquarie, and CCs with Bankwest and Amex.
Bankwest
Service One
that is all
There are a lot of banks that have branches which are not the big 4. I have a Cth credit card but only because I can't be bothered cancelling it and it's nice peace of mind as you say. I'd be happy if it was a CC with any other bank either too though.
Also I guess worth keeping it - they have free barista made coffee in the Bris flagship branch if you have an appointment, even if its to sort out a few trivial things.