rab

Is there a fee for using the Post Office with an HSBC account? I have been using Commonwealth Bank and they have been a nightmare so far.

rab

ABCDiamond

No fee for using the Post Office with an HSBC account.

I checked it with HSBC myself recently, and they said its FREE

rab

Cool - sorry one other question - what ATMs can you use with HSBC here?

ABCDiamond

You can use any ATM, but fees may apply, however, someone else did say that you can use the Commonweath Bank ATMS, (maybe without a charge)

and of course, Free Cashback transactions at supermarkets.


HSBC Online
Unlimited HSBC ATM transactions
Five free ATM transactions per month, at any bank ATM
Free BPAY bill payments, EFTPOS and GiroPost access

elaine.mrml

Hi

According to the website there are 7,000 hsbc atm's around Australia but when you click on ATM locations there only comes up a handful? With none in Cairns - Can anyone shed any light on this? Thanks

Elaine

pockygoes

Which HSBC account are people using for day to day stuff (ie have wages paid into - access to money & bill payment etc.)

There are so many accounts!!!

Also did people open the account in th UK - & what are the implications if you have not got your TFN?

cheers

pockygoes

bondipom

Online Savings account.

RichS

Here's something from my Credit Union web site about reducing fees. what they also do is look at your monthly balance and give you a member credit that can be offset against fees and charges.
The genral tip they give is to get a Visa card linked to your current account and use that wherevere possible as this incurs 0 fee.

Smart Ways to Avoid Paying Excess Transaction Fees

By making some simple changes to the way you manage your accounts, you can minimise and even avoid paying any excess transaction fees:
Use your VISA Card

Tip: Press "CR" when paying for purchases or bills with your VISA card.

Whenever you make a purchase or pay your bills, use your InTech VISA Card by pressing 'CR' and signing for the transaction. This type of transaction is termed a VISA retail / merchant transaction and is always a FREE transaction. VISA Card transactions made over the internet or telephone are also FREE transactions.

Paying Bills

Tip: Use BPAY via the Internet or Telephone Teller.

To pay bills without incurring additional fees use BPAY via the Internet or Telephone Teller or your VISA Card over the phone. You can even future-date payments so your bills are paid on time, every time. These are all FREE transactions.

QuickDebit

Tip: Use Quick Debit to transfer funds into your InTech accounts.

Use InTech's FREE Quick Debit service anytime you need to transfer funds from another financial institution into your InTech account - whether a regular loan repayment or a one-off transfer such as setting up an InTech Term Deposit.

EFTPOS

Tip: Take out extra cash when using EFTPOS, instead of at the ATM.

When you pay for a purchase using EFTPOS and you know you'll require additional cash for later, request additional cash-out as part of your EFTPOS transaction. This way you only make one EFTPOS transaction for many purchases.

ATM

Tip : Make larger planned withdrawals rather than many small withdrawals.

All ATM fees are charged on a per transaction basis and not on the value of the transaction. Therefore, by simply budgeting, you can minimise the number of ATM withdrawals and the Excess Transaction Fees.

Avoid Payment Default Fees

Tip : Use Telephone Teller or Internet Banking to check your balances day or night and use Cache Money for those unexpected expenses.

With Telephone Teller and Internet Banking it is easy to keep track of the available funds in your All-In-One Access Savings Account (S1). For those times when unexpected expenses do arise or you need to juggle funds, take advantage Cache Money - your personal overdraft facility.

ABCDiamond

This means all the 7,000+ ATMS in Australia operated by ALL banks.

You can have Five free ATM transactions per month, at any bank ATM.

HSBC have only about 30 ATM's in this country, I think.

ABCDiamond

HSBC Online

With no TFN quoted, tax at the highest rate will be deducted.
This figure will be included in your Tax Return, and adjustments will be made at the end of the year when your refund or payment is finalised. (Most people in OZ get annual tax refunds)

pockygoes

thanks for that ABC - will start to plough thru the stuff tonight & get the ball rolling. It is such a minefield - nice to know that others have researched it more thoroughly - I just get confused looking at all the stuff.

thanks again

pockygoes

hevs

THE ONES IN THE POST OFFICE!!!!!!

Bordy

I think Thats you told Rab.