How to apply for a bank card when studying in Australia

To study in Australia, you must apply for a local bank card so as not to miss the benefits in life. Next, I will introduce how to apply for a bank card when studying in Australia.

Account opening instructions

Required materials

Passport, student ID card, address and rental contract (if necessary)

Note: you don't need a tax file number to apply for a bank card, but it's best to apply after opening an account and updating the bank information, otherwise your online banking saver/target saver will charge you a high tax every month.

Account opening instructions

If students still have money left, it is suggested to open two accounts, one for fixed deposit and the other for short term. The difference is interest, you can refer to the domestic fixed demand.

If you need to apply for a credit card, the bank will ask the applicant to provide his/her deposit certificate or the bank transaction flow in his/her home country. If the students have just arrived in Australia, there are none of these, and the bank teller will also estimate your overdraft limit through some questions.

Note: Students with poor English can rest assured that all major banks have China employees. If you really don't understand them, you can also go to a branch in Chinatown. All the employees speak Chinese. Please also pay attention to the banking hours. Some branches are closed on Saturdays.

Bank card collection

The completed bank card will be mailed to the applicant within 5- 10 working days, and students can pay attention to their personal email in time.

Bank recommendation letter

Commonwealth Bank of Australia

The Commonwealth Bank of Australia, headquartered in Sydney, is one of the four largest banks in Australia. One of the main reasons is that they can provide free student accounts, and another reason is that many students choose this bank, so there are many fulcrums and ATMs, which are very convenient to use. In addition, the Federal Bank's mobile APP and bank website are also the best, and it can also provide insurance business and student credit cards.

National Bank of Australia

Another better choice is the National Bank of Australia (NAB Bank), which is headquartered in Melbourne and is the largest commercial bank in Australia. There is no annual fee. We have a branch in Shanghai and an office in Beijing. We can do it well before we go to Australia. The reasons for recommending National Australia Bank are service experience and innovative banking functions.

ANZ bank

Headquartered in Melbourne, ANZ Bank is one of the four largest banks in Australia and one of the oldest and most famous banks in Australia.

ANZ will also provide an annual fee-free student account and special services for international students. In addition, the bank's mobile APP and webpage are also very convenient. ANZ Bank has branches in Beijing, Shanghai, Hangzhou and Chongqing.

Westpac bank ltd

Another option is Westpac Australia, the first and one of the largest banks in Australia, headquartered in Sydney.

Opening skill

If you want to send an ordinary letter, you can put it in the mailbox everywhere. Otherwise, you can only go to the post office during business hours.

For banks, there is generally no need to visit in person except when opening an account. Pay attention to applying for an online account.

To deposit or withdraw money, just find an ATM. Look clearly, some machines can only withdraw money, and some machines can save money or withdraw money. The withdrawal limit depends on the bank. Usually, the maximum withdrawal amount per day is 65,438 Australian dollars+0,000 RMB. Please read the regulations about your account carefully. Some banks have different interest rates according to the number of withdrawals you make each month. If you exceed the number of withdrawals stipulated by the bank every month, you will be charged.

Payment by bank card in supermarket can also be cashed out, and there is no handling fee.

Every bank has a 24-hour service telephone number. If your bank can help you pay all kinds of bills, you can call to pay them at any time. You can also use the Internet transfer service. If you lose your card, you can report it immediately. It usually takes 2-7 days to receive a new card.

The working hours of the consultation telephone are usually from 8: 00 to 20: 00.

How to pay all kinds of bills (telephone, gas, electricity, insurance, internet access, membership fees, etc.). Some bills will be charged extra if they are late. Basically, organizations that have to pay provide a variety of payment channels (see your bill for details).

1, 24-hour billing telephone service;

2. Go directly to the post office or designated bank;

3. send a check;

The easiest way is to apply for online payment and apply for online banking in your bank. Many people from China always think that the Internet is unsafe and dare not use the online banking system. In fact, online banking is much safer than using your VISA card. You have a special bank account and password.

Use online banking to access your bank account, select the bill, enter the online payment information (bill record and user number) provided by the bill, then enter your payment number and submit it. Your task will be completed, and you can pay the bill in a minute or two! Save time on the street, pay at any time, no handling fee.