I half expected ANZ, I had trouble with them pushing everything through their app messaging. I have no idea if there app was any good though, I couldn’t use the app because I didn’t have a customer reference number, and all paths to get a customer reference number kept either referring you to the app, or going through phone menu systems that required you to enter your customer reference number. I ended up spending ages trying various combinations in the phone menu to find one that got through to a real person that could transfer me to the right place.

In regards to the fees, most banks have fee-free accounts these days. I like to spread around a few different banks these days so I have something in place if there are any issues with one bank. They make it fairly easy to sign up and to change these days so I’ve tried out quite a few. I think Commonwealth is the only major bank I haven’t had an account with.