[Popular Science] Introduction to Australian bank cards, a must-read for international students and new immigrants

Smart access and Netbank saver accounts for Australian bank cards

In Australia, bank cards generally come with two accounts: a Smart access account and a Netbank saver account.

Australia BankSmart access account

It is an account for daily use, which can be used for daily consumption, transfer, withdrawal, etc. It generally has no interest or only very low interest.

Australia BankNetbank saver account

A savings account is a place where you can save money. It usually has a higher interest rate.

Australia BankBSB Number

The BSB number (Bank State Branch) is an identification code for an Australian bank account. It consists of 6 digits. The first two digits of the BSB number indicate the state where the bank is located, and the last four digits indicate the bank's branch.

Australia Bankaccount number

Account number is the account number of your Australian bank account. It consists of 10 digits. Account number is the unique identifier of your bank account and is used to identify your account.

Australia Banktransfer

In Australia, there are two ways to transfer money: online transfer and over the counter transfer.

Online transferIt is the most common way to transfer money. You can transfer money online through the bank's online banking or mobile banking.

Over the counter transferIt is suitable for situations where you need to transfer money immediately. You can go to the bank counter to make an over-the-counter transfer.

Australia BankOnline transfer

The steps for online transfer are as follows:

1. Log in to your bank's online banking or mobile banking.
2. Select "Transfer Money".
3. Enter the payee's information, including name, BSB number and account number.
4. Enter the amount to transfer.
5. Confirm the transfer information.

Australia BankOver the counter transfer

The steps for over the counter transfer are as follows:

1. Go to the bank counter.
2. Tell the counter staff the purpose of your transfer.
3. Provide the payee's information, including name, BSB number and account number.
4. Enter the amount to transfer.
5. Sign the transfer slip.

Australian Banking Q&A

1. Why do Australian bank cards need two accounts?

A: The reason why Australian bank cards have two accounts is to facilitate customers to make daily purchases and savings. Smart access accounts can be used for daily purchases, while Netbank saver accounts can be used to save money.

2. What is the difference between a BSB number and an account number?

A: The BSB number is the identification code of the bank account, while the account number is the account number of the bank account. The BSB number is used to identify the bank, while the account number is used to identify your account.

3. How to check the BSB number and account number of an Australian bank card?

A: You can check the BSB number and account number of your Australian bank card in the following ways:

• Check the front of your bank card. The BSB number and account number are usually printed on the top left corner of the front of your bank card.
• Log in to your bank's online banking or mobile banking. You can check your BSB number and account number in your bank's online banking or mobile banking.
• Call the bank's customer service. You can call the bank's customer service and ask them to provide your BSB number and account number.

4. How do I transfer money in Australia?

A: In Australia, there are two ways to transfer money: online transfer and over the counter transfer.

• Online transfer: You can transfer funds online through your bank's online banking or mobile banking.
• Over the counter transfer: You can go to the bank counter to make an over the counter transfer.

Understanding Smart access and Netbank saver accounts, BSB numbers and account numbers, and transfer methods for Australian bank cards can help you better use your Australian bank cards.

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