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That's entirely true. There is nothing special about the first of the month. That only applies to accounts with a 'no withdrawals' hoop,…

My way is simpler and results in a truly trivial interest loss for a maximum of 3 days worst case depending on weekends/holidays. Doing the…

It doesn't. It needs to come out on the last day of the month (leaving enough behind to satisfy the growth hoop). Then you put it all back…

Bankwest are another in the photo selfie with a phone brigade nonsense for sign-up. And they've closed all their branches too, so in-person…

Defence also insist on dodgy crypto-currency broker sign-up holding your passport while taking a selfie photo nonsense, which I won't do.…

Thank you for the clarification. I will begin the out/in shuffle to a BOQ Smart Saver (5.15%) on that Friday in this case and wear the…

The good thing about PayAll ending is I can now get my statement date moved to a more appropriate day of the month to better work with the…

Sometimes they appear the next day if you request the transfer early in the day, otherwise it might be 2 days. Rarely is it longer than…

I get that you can go Max<->OE<->Max if the OE is the nominated linked account to the Max, but you've been talking about going Max<->Max…

If I were you I wouldn't draw attention to this nor change any of your banking settings, because this is definitely not how the Maximisers…

It is really odd that you were ever allowed to transfer directly between Maximisers. That should not have been the case at all and I think…

That's normal. You can only transfer money out to the linked account, but in from anywhere. If the linked account is an external account as…

This was very predictable. HSBC always was one of the very few banks that was even more untrustworthy and loose with their T&Cs and rules…

Just remember they have that clause in their T&C's that says they can simply close your account entirely if they deem that you're not using…

Export out to a decent external account that BECS reconciles multiple times/day like the BOQ/ME/VM set or Macquarie Bank for example is…

I think you're rather over-guesstimating just how many people are punishing themselves with this ridiculously overcomplicated tri-account…

Banking at 1am to get out of a mess created by ING is not ideal. I'd wager that after this all washes out and you are able to figure it…

It is definitely NOT immediate. The process takes a few days. It involves moving funds around, waiting for them to arrive with a transfer…

It's not just ING that handle customer complaints this badly, it's every single organisation/corporation these days! 'Computer says 'no''…

BOQ had a massive breakdown right on the end of month once which was caused by the failure of a Microsoft server in Sydney IIRC which just…

No, the alternative is doing exactly what I've been saying all along. You operate just one SavMax and leave it nominated for the bonus…

All of which perfectly encapsulates and proves my point that all your messing about with 3 accounts is way too complicated and risky to be…

You don't take out the whole amount and you don't take it out for the whole month either. You take out an amount that is **just** less than…

I've shown my calculations using a BOQ account to shuffle the funds out to and back in again for this month right now (today) and the loss…

I would have to agree 100% with this as it sounds like I could have written it about my own experience with ING. They invited me to apply…

This three account shuffle nonsense is very risky & very complicated for absolutely trivial interest gain. The risks cannot possibly…

I would warn you about starting an argument with ING about this. You are clearly in breach of their nebulous "in the spirit of the offer"…

https://www.productreview.com.au/listings/ubank If all you're after is a true set/forget bank account that won't trip you up every month as…

Decide for yourself: https://www.accountsleaderboard.au/d/savings/ Everyone is different with what they will accept as an…

Not yet, sitting on a million in both of two accounts. Slowly drip feeding them out to Flybuys as the need for groceries requires. I think…