{"id":22221,"date":"2025-11-05T15:44:17","date_gmt":"2025-11-05T05:44:17","guid":{"rendered":"https:\/\/au0061.com\/?p=22221"},"modified":"2025-11-05T15:44:17","modified_gmt":"2025-11-05T05:44:17","slug":"a-comprehensive-guide-to-australian-trading-accounts-account-opening-process-usage-tips-and-tips-for-avoiding-pitfalls","status":"publish","type":"post","link":"https:\/\/au0061.com\/en\/%e6%be%b3%e5%a4%a7%e5%88%a9%e4%ba%9a%e4%ba%a4%e6%98%93%e8%b4%a6%e6%88%b7%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e5%bc%80%e6%88%b7%e6%b5%81%e7%a8%8b%e3%80%81%e4%bd%bf%e7%94%a8%e6%8a%80%e5%b7%a7%e4%b8%8e\/","title":{"rendered":"\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237\u5168\u89e3\u6790\uff1a\u5f00\u6237\u6d41\u7a0b\u3001\u4f7f\u7528\u6280\u5de7\u4e0e\u907f\u5751\u6307\u5357"},"content":{"rendered":"

\"\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237\u5168\u89e3\u6790\uff1a\u5f00\u6237\u6d41\u7a0b\u3001\u4f7f\u7528\u6280\u5de7\u4e0e\u907f\u5751\u6307\u5357\"<\/p>\n

Hello everyone, I am the assistant of Australian Encyclopedia. Recently, some friends asked me about\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237<\/b>Now I will summarize the relevant issues and hope it will be helpful to those who want to know more.<\/p>\n

\u4f5c\u4e3a\u5728\u6fb3\u6d32\u751f\u6d3b\u3001\u5de5\u4f5c\u6216\u7559\u5b66\u7684\u91cd\u8981\u91d1\u878d\u5de5\u5177\uff0c\u4ea4\u6613\u8d26\u6237\uff08Transaction Account\uff09\u662f\u65e5\u5e38\u8d44\u91d1\u7ba1\u7406\u7684\u6838\u5fc3\u3002\u6839\u636e\u6fb3\u5927\u5229\u4e9a\u5ba1\u614e\u76d1\u7ba1\u5c40\u6570\u636e\uff0c\u5168\u6fb3\u6d3b\u8dc3\u4ea4\u6613\u8d26\u6237\u8d85\u8fc73500\u4e07\u4e2a\uff0c\u65e5\u5747\u4ea4\u6613\u91cf\u7a81\u78342000\u4e07\u7b14\u3002\u672c\u6587\u5c06\u6df1\u5165\u89e3\u6790\u8d26\u6237\u529f\u80fd\u3001\u5f00\u6237\u6d41\u7a0b\u3001\u4f7f\u7528\u6280\u5de7\u53ca\u5e38\u89c1\u95ee\u9898\uff0c\u5e2e\u52a9\u60a8\u9ad8\u6548\u7ba1\u7406\u6fb3\u6d32\u8d22\u52a1\u3002<\/p>\n

\u4e00\u3001\u6fb3\u6d32\u4ea4\u6613\u8d26\u6237\u7684\u57fa\u7840\u8ba4\u77e5<\/h2>\n

1. \u8d26\u6237\u672c\u8d28\u4e0e\u6838\u5fc3\u529f\u80fd<\/b>
\n\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237\u672c\u8d28\u662f\u9762\u5411\u65e5\u5e38\u6d88\u8d39\u7684\u6d3b\u671f\u8d26\u6237\uff0c\u5177\u5907\u4ee5\u4e0b\u6838\u5fc3\u529f\u80fd\uff1a
\n\u2022 \u5373\u65f6\u5b58\u53d6\u6b3e\u670d\u52a1\uff08\u652f\u6301ATM\u3001\u5206\u884c\u67dc\u53f0\u3001\u667a\u80fd\u5b58\u6b3e\u673a\uff09
\n\u2022 \u7535\u5b50\u652f\u4ed8\u7cfb\u7edf\uff08EFTPOS\u5237\u5361\u6d88\u8d39\u3001\u5728\u7ebf\u652f\u4ed8\u3001\u624b\u673a\u94b1\u5305\uff09
\n\u2022 \u81ea\u52a8\u8d26\u5355\u652f\u4ed8\uff08BPAY\u3001\u76f4\u63a5\u501f\u8bb0\u6388\u6743\uff09
\n\u2022 \u8de8\u884c\u8f6c\u8d26\u670d\u52a1\uff08OSKO\u5b9e\u65f6\u5230\u8d26\u3001\u4f20\u7edf\u94f6\u884c\u8f6c\u8d26\uff09
\n\u2022 \u8d26\u6237\u8054\u52a8\u529f\u80fd\uff08\u4e0e\u50a8\u84c4\u8d26\u6237\u3001\u4fe1\u7528\u5361\u8d26\u6237\u81ea\u52a8\u5212\u8f6c\uff09<\/p>\n

2. \u8d26\u6237\u7c7b\u578b\u7ec6\u5206<\/b>
\n\u9488\u5bf9\u4e0d\u540c\u5ba2\u7fa4\u9700\u6c42\uff0c\u6fb3\u6d32\u4e3b\u8981\u94f6\u884c\u63d0\u4f9b\u5dee\u5f02\u5316\u8d26\u6237\u65b9\u6848\uff1a
\n\u2022 \u5b66\u751f\u8d26\u6237\uff1a\u514d\u9664\u8d26\u6237\u7ba1\u7406\u8d39\uff0c\u63d0\u4f9b\u4e13\u5c5e\u4f18\u60e0\uff08\u5982Commonwealth Bank\u5b66\u751f\u8d26\u6237\uff09
\n\u2022 \u57fa\u7840\u8d26\u6237\uff1a\u6ee1\u8db3\u57fa\u672c banking \u9700\u6c42\uff0c\u6708\u8d39\u8f83\u4f4e\uff08$4-6\uff09
\n\u2022 \u7efc\u5408\u8d26\u6237\uff1a\u5305\u542b\u4fdd\u9669\u3001\u79ef\u5206\u7b49\u589e\u503c\u670d\u52a1\uff0c\u6708\u8d39$10-15
\n\u2022 \u8001\u5e74\u91d1\u8d26\u6237\uff1a\u4e3a\u517b\u8001\u91d1\u9886\u53d6\u8005\u63d0\u4f9b\u514d\u6708\u8d39\u670d\u52a1
\n\u2022 \u56fd\u9645\u5b66\u751f\u8d26\u6237\uff1a\u9488\u5bf9Study<\/a>\u4eba\u7fa4\u8bbe\u8ba1\uff0c\u652f\u6301\u591a\u5e01\u79cd\u7ba1\u7406<\/p>\n

\u4e8c\u3001\u5f00\u6237\u5168\u6d41\u7a0b\u5b9e\u64cd\u6307\u5357<\/h2>\n

1. \u9009\u62e9\u94f6\u884c\u7684\u4e94\u5927\u8003\u91cf\u7ef4\u5ea6<\/b>
\n\u2022 \u7f51\u70b9\u8986\u76d6\uff1a\u56db\u5927\u884c\uff08CBA\u3001Westpac\u3001NAB\u3001ANZ\uff09\u7f51\u70b9\u6700\u5bc6\u96c6
\n\u2022 \u6570\u5b57\u94f6\u884c\u4f53\u9a8c\uff1aING\u3001Macquarie\u7b49\u6570\u5b57\u94f6\u884c\u63d0\u4f9b\u66f4\u9ad8\u5b58\u6b3e\u5229\u7387
\n\u2022 \u8d26\u6237\u8d39\u7528\uff1a\u5bf9\u6bd4\u6708\u8d39\u3001\u8de8\u884c\u53d6\u6b3e\u8d39\u3001\u5883\u5916\u4ea4\u6613\u8d39
\n\u2022 \u5229\u7387\u653f\u7b56\uff1a\u90e8\u5206\u4ea4\u6613\u8d26\u6237\u9644\u5e26\u4f59\u989d\u5229\u606f\uff08\u5982UBank\u667a\u80fd\u8d26\u6237\uff09
\n\u2022 \u8bed\u8a00\u652f\u6301\uff1a\u4e2d\u8d44\u94f6\u884c\uff08\u4e2d\u56fd\u94f6\u884c\u6fb3\u6d32\u5206\u884c\uff09\u63d0\u4f9b\u4e2d\u6587\u670d\u52a1<\/p>\n

2. \u5f00\u6237\u6750\u6599\u6e05\u5355<\/b>
\n\u56fd\u9645\u7533\u8bf7\u4eba\u9700\u51c6\u5907\uff1a
\n\u2022 \u8eab\u4efd\u8bc1\u660e\uff1a\u62a4\u7167\u539f\u4ef6+\u6fb3\u6d32\u7b7e\u8bc1\uff08\u5b66\u751f\u7b7e\u8bc1\u3001\u5de5\u4f5c\u7b7e\u8bc1\u7b49\uff09
\n\u2022 \u4f4f\u5740\u8bc1\u660e\uff1a\u79df\u623f\u5408\u540c\u3001\u6c34\u7535\u8d26\u5355\u6216\u94f6\u884c\u4fe1\u51fd
\n\u2022 \u7a0e\u53f7\u58f0\u660e\uff1a\u4e3a\u907f\u514d\u5229\u606f\u6536\u5165\u88ab\u6263\u9ad8\u989d\u9884\u6263\u7a0e\uff0c\u5efa\u8bae\u63d0\u4f9bTFN
\n\u2022 \u5b66\u751f\u8bc1\u660e\uff1aCOE\u6ce8\u518c\u786e\u8ba4\u4e66\uff08\u5b66\u751f\u8d26\u6237\u9002\u7528\uff09
\n\u2022 \u6536\u5165\u8bc1\u660e\uff1a\u5de5\u8d44\u5355\u6216\u96c7\u4e3b\u4fe1\uff08\u53ef\u9009\uff09<\/p>\n

3. \u7ebf\u4e0a\u5f00\u6237\u56db\u6b65\u6d41\u7a0b<\/b>
\n\u4ee5Commonwealth Bank\u4e3a\u4f8b\uff1a
\n\u2460 \u5b98\u7f51\u9009\u62e9\"Open an account\" \u2192 \u2461 \u4e0a\u4f20\u8bc1\u4ef6\u7167\u7247\u4e0e\u7b7e\u8bc1\u4fe1\u606f \u2192 \u2462 \u5728\u7ebf\u5b8c\u6210\u8eab\u4efd\u9a8c\u8bc1\uff08\u89c6\u9891\u8ba4\u8bc1\uff09 \u2192 \u2463 \u8d26\u6237\u5373\u65f6\u6fc0\u6d3b\uff08\u90e8\u5206\u529f\u80fd\u9700\u5206\u884c\u9a8c\u8bc1\uff09<\/p>\n

\u4e09\u3001\u8d26\u6237\u4f7f\u7528\u8fdb\u9636\u6280\u5de7<\/h2>\n

1. \u8d39\u7528\u4f18\u5316\u7b56\u7565<\/b>
\n\u2022 \u6ee1\u8db3\u514d\u6708\u8d39\u6761\u4ef6\uff1a\u4fdd\u6301\u6708\u5ea6\u5165\u8d26$2000\u4ee5\u4e0a\uff08\u591a\u6570\u94f6\u884c\u9002\u7528\uff09
\n\u2022 \u89c4\u907fATM\u8d39\u7528\uff1a\u4f7f\u7528\u672c\u884cATM\u62167-Eleven\u3001Coles\u7b49\u5408\u4f5c\u53d6\u6b3e\u70b9
\n\u2022 \u964d\u4f4e\u8de8\u5883\u8d39\u7528\uff1a\u7533\u8bf7HSBC Global\u8d26\u6237\u6216TransferWise\u8fb9\u5883\u8d26\u6237<\/p>\n

2. \u5b89\u5168\u9632\u62a4\u8981\u70b9<\/b>
\n\u2022 \u542f\u7528\u53cc\u56e0\u5b50\u8ba4\u8bc1\uff082FA\uff09
\n\u2022 \u8bbe\u7f6e\u8d26\u6237\u4ea4\u6613\u9650\u989d\uff08\u65e5\u5e38\u6d88\u8d39\u9650\u989d\u3001\u8f6c\u8d26\u9650\u989d\uff09
\n\u2022 \u5b9a\u671f\u68c0\u67e5\u8d26\u6237\u52a8\u6001\uff08\u901a\u8fc7\u94f6\u884cApp\u63a8\u9001\u901a\u77e5\uff09
\n\u2022 \u8b66\u60d5\u9493\u9c7c\u7f51\u7ad9\uff08\u786e\u8ba4\u7f51\u5740\u4e3a\u5b98\u65b9\u57df\u540d\uff09<\/p>\n

3. \u7a0e\u52a1\u89c4\u5212\u5173\u8054<\/b>
\n\u2022 \u5229\u606f\u6536\u5165\u7533\u62a5\uff1a\u5e74\u5ea6\u5229\u606f\u8d85\u8fc7$420\u9700\u7533\u62a5\u4e2a\u4eba\u6240\u5f97\u7a0e
\n\u2022 \u8de8\u5883\u8f6c\u8d26\u8bb0\u5f55\uff1a\u4fdd\u7559\u56fd\u9645\u6c47\u6b3e\u51ed\u8bc1\u4ee5\u5907\u7a0e\u52a1\u6838\u67e5
\n\u2022 \u5546\u4e1a\u8d26\u6237\u5206\u79bb\uff1a\u81ea\u96c7\u4eba\u58eb\u9700\u5355\u72ec\u5f00\u8bbe\u5546\u4e1a\u4ea4\u6613\u8d26\u6237<\/p>\n

\u4e0e\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237\u76f8\u5173\u7684\u95ee\u9898<\/h2>\n

1. \u65e0\u672c\u5730\u4fe1\u7528\u8bb0\u5f55\u80fd\u5426\u5f00\u6237\uff1f<\/b>
\n\u53ef\u4ee5\u3002\u6fb3\u6d32\u94f6\u884c\u63a5\u53d7\u62a4\u7167+\u7b7e\u8bc1\u7684\u5f00\u6237\u7ec4\u5408\uff0c\u4f46\u53ef\u80fd\u9650\u5236\u4fe1\u7528\u5361\u7533\u8bf7\u989d\u5ea6\u3002\u5efa\u8bae\u5148\u4f7f\u7528\u501f\u8bb0\u8d26\u6237\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\u3002<\/p>\n

2. \u8d26\u6237\u88ab\u51bb\u7ed3\u7684\u5e38\u89c1\u539f\u56e0\uff1f<\/b>
\n\u5927\u989d\u73b0\u91d1\u5b58\u53d6\uff08\u5355\u7b14$10,000\u4ee5\u4e0a\u9700\u7533\u62a5\uff09\u3001\u5f02\u5e38\u8de8\u5883\u8f6c\u8d26\u3001\u957f\u671f\u672a\u66f4\u65b0\u4e2a\u4eba\u4fe1\u606f\u90fd\u53ef\u80fd\u89e6\u53d1\u98ce\u63a7\u7cfb\u7edf\u3002<\/p>\n

3. \u6570\u5b57\u94f6\u884c\u4e0e\u4f20\u7edf\u94f6\u884c\u5982\u4f55\u9009\u62e9\uff1f<\/b>
\n\u6570\u5b57\u94f6\u884c\u9002\u5408\u7ebf\u4e0a\u64cd\u4f5c\u9891\u7e41\u7684\u5e74\u8f7b\u7528\u6237\uff0c\u4f20\u7edf\u94f6\u884c\u66f4\u9002\u5408\u9700\u8981\u67dc\u53f0\u670d\u52a1\u7684\u7fa4\u4f53\uff08\u5982\u8001\u5e74\u4eba\u3001\u5546\u4e1a\u5ba2\u6237\uff09\u3002<\/p>\n

4. \u79bb\u5883\u540e\u8d26\u6237\u5982\u4f55\u5904\u7406\uff1f<\/b>
\n\u77ed\u671f\u79bb\u5883\u53ef\u4fdd\u7559\u8d26\u6237\uff1b\u6c38\u4e45\u79bb\u5883\u9700\u5173\u95ed\u8d26\u6237\u5e76\u63d0\u4ea4\u79bb\u5883\u7a0e\u52a1\u6e05\u7b97\uff08\u9700\u63d0\u4f9b\u672a\u6765\u4e0d\u8fd4\u6fb3\u8bc1\u660e\uff09\u3002<\/p>\n

5. \u5982\u4f55\u5e94\u5bf9\u94f6\u884c\u5361\u76d7\u5237\uff1f<\/b>
\n\u7acb\u5373\u901a\u8fc7App\u51bb\u7ed3\u8d26\u6237\u2192\u8054\u7cfb\u94f6\u884c\u5ba2\u670d\u5907\u6848\u2192\u5411ACCC\u63d0\u4ea4\u8bc8\u9a97\u62a5\u544a\u2192\u7533\u8bf7\u6362\u53d1\u65b0\u5361\u3002<\/p>\n

\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237\u4f5c\u4e3a\u8d22\u52a1\u751f\u6d3b\u7684\u8d77\u70b9\uff0c\u4e0d\u4ec5\u5173\u7cfb\u5230\u65e5\u5e38\u6d88\u8d39\u4fbf\u5229\uff0c\u66f4\u5f71\u54cd\u7740\u4fe1\u7528\u79ef\u7d2f\u548c\u7a0e\u52a1\u5408\u89c4\u3002\u5efa\u8bae\u6839\u636e\u81ea\u8eab\u5c45\u7559\u72b6\u6001\u3001\u8d44\u91d1\u6d41\u52a8\u9891\u7387\u548c\u91d1\u878d\u670d\u52a1\u9700\u6c42\uff0c\u9009\u62e9\u6700\u9002\u5408\u7684\u8d26\u6237\u65b9\u6848\u3002\u5bf9\u4e8e\u8ba1\u5212\u957f\u671f\u7559\u6fb3\u53d1\u5c55\u7684\u670b\u53cb\uff0c\u5efa\u8bae\u540c\u6b65\u5f00\u8bbe\u9ad8\u606f\u50a8\u84c4\u8d26\u6237\uff0c\u6784\u5efa\u5b8c\u6574\u7684\u4e2a\u4eba\u7406\u8d22\u4f53\u7cfb\u3002<\/p>\n

Thank you for your reading. I hope this article can help you understand\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237<\/b>\uff0c\u5982\u679c\u60a8\u6b63\u5728\u51c6\u5907Undergraduate studies in Australia<\/a>\uff0c\u5efa\u8bae\u63d0\u524d3\u4e2a\u6708\u5f00\u59cb\u529e\u7406\u94f6\u884c\u8d26\u6237\uff0c\u786e\u4fdd\u62b5\u6fb3\u540e\u80fd\u7acb\u5373\u5f00\u5c55\u8d22\u52a1\u5b89\u6392\u3002\u6211\u4eec\u5c06\u6301\u7eed\u66f4\u65b0\u66f4\u591a\u6fb3\u6d32\u751f\u6d3b\u5b9e\u7528\u6307\u5357\uff01<\/p>","protected":false},"excerpt":{"rendered":"

\u5927\u5bb6\u597d\uff0c\u6211\u662f\u6fb3\u6d32\u767e\u79d1\u5c0f\u52a9\u624b\uff0c\u6700\u8fd1\u6709\u5c0f\u4f19\u4f34\u54a8\u8be2\u6211\u5173\u4e8e\u6fb3\u5927\u5229\u4e9a\u4ea4\u6613\u8d26\u6237\u7684\u95ee\u9898\uff0c\u73b0\u5728\u6211\u5c06\u76f8\u5173\u95ee\u9898\u8fdb\u884c\u603b\u7ed3\uff0c\u5e0c\u671b\u5bf9\u5404\u4f4d\u60f3\u4e86\u89e3\u7684\u5c0f\u4f19\u4f34\u6709\u6240\u5e2e\u52a9\u3002 \u4f5c\u4e3a\u5728\u6fb3\u6d32\u751f\u6d3b\u3001\u5de5\u4f5c\u6216\u7559\u5b66\u7684\u91cd\u8981\u91d1\u878d\u5de5\u5177\uff0c\u4ea4\u6613\u8d26\u6237\uff08Tran …<\/p>","protected":false},"author":1,"featured_media":22220,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_oxygen_hide_in_design_set":false,"_oxygen_tags":""},"categories":[766],"tags":[35367,35365,35366,4291,35368],"class_list":["post-22221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-35367","tag-35365","tag-35366","tag-4291","tag-35368"],"_links":{"self":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts\/22221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/comments?post=22221"}],"version-history":[{"count":0,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/posts\/22221\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/media\/22220"}],"wp:attachment":[{"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/media?parent=22221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/categories?post=22221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/au0061.com\/en\/wp-json\/wp\/v2\/tags?post=22221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}