I want to open a bank account online and I don't want or need a debit card or a annoying welcome pack.
Are there any banks or credit unions that don't send out a debit card and welcome pack if I request these things not be sent to me?
Any banks that don't send card and welcome packs?
Ldeepcloe on 30/12/2019 - 18:56
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She got bad credit, so no more credit cards for her.
My partner has a shopping addiction (clothes) and has maxed out 4 credit cards without my knowledge, also she has spent $20,000 dollars (half of our total combined savings) we were going to use to save up for a mortgage on a house. Basically she put us in a $40,000 dollar hole.
If she's maxed out her own credit cards, then that's her problem. Tell her to pay it out from her own salary, if not, then the creditors will come after her. You're not involved because it's a personal liability.
If she's maxed out your credit cards, then that's fraudulent and I would have a big problem with that. Personally, I would not be married to someone who uses my cards without my permission because it puts me in a position to be liable for someone else's spending (as you are here).
It's not my position to give you marriage advice (and I do apologise for all the jokes about identity theft, but that's all in good fun), but I really think you should not try to just hide money from your wife. You need to man up and crack down on this problem before it gets you (personally) into more shit. I've seen these sorts of issues ruin lives. I hope that doesn't happen to you.
Most of our stuff we jointly own, and she put against the loans. Basically we can get all our shit taken off us if I didn't pay off the debt.
@deepcloe: Then you need to address that as quickly as possible. I would recommend seeing a lawyer regardless if you intend to stay with her or not, and suggesting that she sees a psychologist to deal with her addiction issues. If creditors start coming for you, you're never going to be able to get a loan again.
You have some serious issues in your relationship, and hiding money is going to make it worse.
I recommend she see a psychologist, and potentially you both see a couples counsellor together.
You can have money that is yours, and that is hers, and that you don't share - but secret bank accounts is a fast-track to a complete breakdown of trust between both of you.If that's the case, then you should open a new account and let the welcome pack and card come to your address. If your wife confronts you, just man up and tell her you have opened a new account because of her shopping addiction. Remember, you are not doing anything wrong, so you don't need to hide or lie.
I don't know about other banks, but Commonwealth bank has 2 accounts (Saving and Normal). The card is for normal account only, so you can transfer all you money to savings account. That way, if she uses your card, she will only be using normal account card in which you can choose not to keep any money. Savings account can only be accessed via password. Just don't share that password with her.
What?
You said you'd show me how to open an account without a welcome pack.
PayPal? Or just walk up to a branch and the officers (not tellers) may assist.
But more importantly I’m sorry for your problem. Had the same issue before marriage when things were split. I foot all the bills as I was working full time but gf back then was part time. She loved buying expensive clothes (not formal ones where you wear to work but just casual ones) and got mad when I told her to limit her spending to 10% of her earnings. Anyway things improved a lot when we got married and took a big mortgage to buy a house and she finally understood where the money has been coming from. Whilst she forced me into buying a big house that we couldn’t afford and that now property prices have soften, I think at least I (or maybe our sons did) managed to make her realise that money doesn’t fall from the sky so quite happy with the outcome.
PayPal is a different kind of payment system. It basically only works with eBay and a few online shops.
@deepcloe: U can link your PayPal to your bank. Keep money in PayPal normally. When u need your hidden cash just transfer from PayPal to bank. Two immediate disadvantages are losing interest income and pretty sure it’s not government guaranteed.
@aboogee: PayPal is NOT a bank. They don't play by the same rules. They hold people's money at their own discretion, and are not an authorised deposit-taking institution (ADI) in Australia.
Do not use PayPal for this, OP.
@Gina Rinehart: yeah hence my point on not government guaranteed, trying not to use technical jargon.
what about opening a trading account (like IG) and keeping your money there.
I have never received anything from them, except the phone call to KYC
though I am not sure if they are ADI - i recall they are somewhat regulated, just not sure if it is APRA@aboogee: I know nothing about trading accounts but this does spark my interest. I'm going to research into trading accounts.
Thank you for the suggestion.
Hey mate,
Please talk to her to see a psychiatrist, I had a friend who did the same and turns out she was bipolar. If left untreated this can go really badly.
Call the National Debt Helpline on 1800 007 007 and talk to or set up an appointment with a community based, not-for-profit financial counsellor. They are 100% free, do not take commission's and are confidential.
From https://www.moneysmart.gov.au/managing-your-money/managing-d…
Financial counsellors provide a free, confidential and independent service.
Financial counsellors can:
Suggest ways to improve your financial situation
See if you are eligible for government assistance
Negotiate repayment arrangements with your creditors
Explain your options and their consequences, including debt recovery procedures, bankruptcy and other alternatives
Help you apply for a hardship variation
Help you organise your finances and do a budget
Refer you to other services, for example, a gambling helpline, family support, personal counselling or community legal aid.
Financial counsellors can also help with the following problems:Debts that you are struggling to pay
Threatening letters or harassment by debt collectors
Debt recovery through the courts
House eviction, disconnection of gas, electricity, phone etc
Uninsured car accidents, taxation debts and unpaid finesThanks for the help mate, appreciated it. I'll think about making those suggestions to her.
@deepcloe: Feel free to pm me if you need any advice. It's bloody hard to get someone to see a psychiatrist, it's scary but it's nothing like the movies. Best of luck mate!
Pretty sure leaving her is the solution.
My world doesn't revolve around money and my wife causing money issues does not met the threshold for me to consider leaving her.
@deepcloe: Has she refused to see someone about her issues? I would assume so seeing as you are resorting to hiding money. Surely you would have tried to fix the problem first.
Pretty sure losing your house deposit and compromising your entire future is a fairly large issue.
@brendanm: She'll spend the therapy money on clothes.
It's a big issue, but for me personally, it's not big enough to warrant a divorce.
@deepcloe: You actually take her there.
Addiction is a massive issue. The clothes are more important to her than you.
@brendanm: I believe it's less to do with clothes and more to do with the act of clothes shopping. Half the stuff she buys has never been used, she mostly just wears 2-3 of her favorite outfits week after week.
@deepcloe: Yes I know, it's an addiction. It needs to be treated. Can be a symptom of something else as well.
@deepcloe: lol i actually thought this is pretty common for women with that habit.. (Sorry if i offended genuinely down to earth women here and out there)..
My mum is a woman that has been living a frugal life for all her life, as is the case with all my family.
When i met my wife, and we were still dating, she would spend thousands occasionally in a week on clothes and shoes
i found it quite shocking, especially that was when i was working as an engineer (male dominated) and i only spent <300 per year for work clothes from asia .
then slowly i noticed my mother-in-law was worse, had a room with a large closet specially for her clothes for all seasons, scarf stacking up from the floor to my waist level, similar style skirts but different colour etc.
and when we went for house inspections, noticed the same theme. The house we bought also had the same closet though i was upfront with my wife I'm by no means encouraging such behaviour
and when i moved to finance, yeah some female colleagues are still very down to earth but some others, i felt like they wear new clothes everyday and some even brag about not repeating or wearing something more than twice.
Also a real problem apparently among school girls as I heard our family friends daughter, studying in one of the high school here in Sydney, actually complaining about being embarrassed for wearing the same dress twiceI feel its not an isolated incident - more like a social problem - and really comes down to upbringing as well as self discipline, life priorities for a lady to realise what she really wants.
Good idea hiding money, if that’s The case, I was assuming you were using it to hide your addiction like a pack of cigarettes, drugs or alcohol addiction.
Wish you luck in paying down your 40,000 personal loan
In the 60's in America it was common for a businessman to have a discreet bank account where nothing was sent home, to avoid the mrs finding out.
Maybe op has a partner who isnt good with finances (spend spend spend) or won the lotto and wants to keep it quiet. Just put your phone on no caller ID and call your bank and ask if such a service is offered.
A lot to things were common place in the 60s that are unacceptable or outright criminal now. Hiding money isn't seen as a smart move by family courts.
Westpac. You can elect to pick up all official mail at their branch. It gets posted to them and they keep it aside for you. That’s how I’ve collected all my mail from them in the past.
Until they send the new card to replace the old card that's due to expire
Still goes to the branch, I was waiting for my soon to expire CC to arrive, ended up being at the branch when I called to find out where my cards were.
Interesting; I’m also with Westpac and when I had to replace my credit card due to fraud, it went to my address, not the branch
@kerfuffle: That why it didn’t go to the branch. When I set up my accounts I had them send to branch as default for all accounts.
No use if his wife stalks him yo the branch,
I think pretty much all banks will let you have your stuff sent directly to a branch, so you can still have a card without having to have it sent to your home address. I think youd need to call them or go in to arrange it though.
Why is this a problem for you?
I have my reasons.
I visit this site daily for the deals and forum posts like these!
Rams.
To correct, Rams actually sends a welcome mail with no card.
The heck is the purpose of that, when I get the welcome pack I keep the card and burn the welcome pack that way no one knows my details ahd address ever.
The smell of burnt paper resembles temple incense, makes me order if temples use coloured paper
If wife did ozbargain deals she may be only 30 k in debt……
Same amount of debt, just more items purchased
Spoken like a true Ozbargainer.
Nay she'd be $50K in debt.
"Good deals" means you end up buying stuff you don't need. Source: My wife
Other than clothes what useless stuff did she buy, I’m interested in your story.
I have been with CBA for 30+ years.. only got a card for about a year now, since I requested not to have one for a very long time.
In fact they have certain types of accounts that you cannot get cards for such as their gold saver accounts.
Can't say if they pay a good interest rate compared to other banks.
I'll look into their gold saver account. Thanks
I've got a lot of researching to do because there are a lot of different banks and bank account. I think Australia has 150 banks, credit unions and building societies.
When I first came to Australia,I could collect my card at the local bank.
Maybe worth asking?
Also opt for digital or email the statements.Yes I'll go paperless but I'm not sure if that will stop the welcome pack coming in the mail.
I've had experience with trying this in the past but when it comes to card expiry the bank will send you a letter to come pickup the card. The fact that an account exists means it will likely be discovered some way or another. It's not going to be fun when the letter arrives when you have someone financially controlling your life. You'll probably get beat up.
Slavery is still common in Australia from my own knowledge of it.
You could try some offshore bank accounts as there are some that won't send cards, but at the same time I've had some send cheque books via DHL when I never asked for it on the investment account. However, you'll be up for SWIFT fees and getting money in and out; unless you of course know how to use IB and other FX services. (Still 0.3%-0.5% fee though each way at best…)
I think it is damn near impossible to setup a offshore bank account, and even harder to keep it open…..from what I've read.
OP, just send me the money, i will hold it for you friend
Thanks, much appreciated!!
Send me your bank account details, I'll do the transfer now.
Hiding money from your spouse? Well played.
I like to think of it as not disclosing the existence of this bank account. It's all in the wording.
Hiw about signing up for the cheapest PO Box at the post office and put this as your mailing address when signing up for the bank account and anything else you don’t want the Mrs to see? Might come in handy in the future.
Phew, that wording makes it much better.
Next thread: Any hotels that don't require a credit card? I want to use cash from my secret bank account instead because I'm not disclosing the existence of my mistress.
But seriously, everyone has their problems and in a marriage it should be about working through them together. The fact that you can't communicate openly and find a solution together is more saddening to me than your deceit.
Maybe NAB?
I had an option to collect the welcome pack from the branch instead of getting it posted to me. Everything else (statements etc) are electronic, I don't think I've received any physical mail from NAB so far.
Mail to your office. It can be different from your residential address
Perhaps put down a PO box or parcel collect address for any welcome pack, and as soon as you sign up, switch to electronic? (edit:realised this has been said just above!)
Damn, your wife is unstoppable. Might be worth being more direct about it. Take control of her finances, for the sake of both of you.
Still, the secret account seems like a great idea.
Banks don't accept PO boxes or parcel collection addresses (whatever that is), They only accept residential and business addresses.
Ahh right. Sending it to your work should be fine then, unless you work from home, or your wife makes day trips to the office to read your mail there too 😂
It's going to look weird to my boss having bank mail set to my work place and I don't care to explain to my boss the big story.
@deepcloe: Is your boss really going to notice you receiving one letter?
Even if he demands to know why (which seems like a strange reaction) surely you could come up with something easily like "I thought it was going to come registered post and there wasn't going to be anyone home to sign for it"?
Who do you currently bank with? You could set up an extra account with them - a lot of savings only accounts don't have a card or if you get a general account with a card you can say it's because your current card is expired or lost.
I now know that you have another bank account, John.
Send all your money to me, I'll open an account for you, nothing to sign, no paper work, too easy!
Revolut. Not sure if it meets your (curiously) specific needs but I didn't get anything mailed out.
Sounds like there are more problems in your relationship. Maybe your wife is spending so much for retail therapy to deal with your attitude. The issue probably needs to be approached a different way.
You sound like my wife. She maxed out 4 credit cards and drained $20K from our savings, but yes, it's all my fault. EVERYTHING is my fault.
Welcome pack is not just welcoming a customer but to express all terms and conditions too.
Right, the ToS. Can't they just email me that shit, and spare some trees?
@deepcloe, call up Suncorp and ask if they can help you as a 'vulnerable' customer.
There is a thing called 'General Insurance Code of Practice'. As a volunerable customer the communication is kept seperate. You are treated differently.
See: http://codeofpractice.com.au/Since Suncorp does both insurance and banking, maybe they have a similar system in place for banking as well.
Hmmm I think that only applies to insurance, but I'll follow it up by asking Suncorp and I'll see what they say.
Thanks for the suggestion.
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How does having secret savings stop her from racking up credit card bills? Addiction is a serious business that you can't hide from - it needs to be addressed in way way or another.