Everyday Global Account

The Everyday Global Account is suited to:

• Anyone wanting one account that they can use at home and when overseas
• Prospective travelers wanting to save in another currency to use for an overseas holiday
• Those regularly required to travel overseas for work.
• Anyone wanting to send or receive money in another currency, eg to send to family or meet mortgage payments
• Anyone looking to trade or invest in different currencies

You can use it as a normal everyday bank account in Australia to pay bills and deposit your salary. You can also pack your Everyday Global Visa Debit Card to use on your overseas travels. You'll benefit from:

No overseas ATM or transaction fees* - Most other bank accounts offering a debit card charge fees for overseas ATM withdrawals and transactions - typically up to $5 for every withdrawal plus 3% of the transaction amount, and up to 3% of every online and in-store purchase.

Unlimited transactions, no account fee and no minimum balance requirements

Pay like a local in the local currency wherever you are - simply use your debit card to access the right currency for ATM withdrawals or online and in-store purchases. When travelling overseas, the Everyday Global Visa Debit Card will automatically complete the transaction using the correct currency wherever you are in the world. Unlike other debit cards, because this is a multi currency account, if you hold the local currency, the funds will be deducted straight from that currency², without the added step of converting your Australian Dollars at the time of the purchase.

Multi currency - you can hold up to 10 currencies in the one account. Debit cards offered by other banks do not offer the option to hold multiple currencies in the one account.

You can control what exchange rate you lock in - holding different currencies means you have the flexibility to exchange currencies ahead of time to lock in favourable exchange rates which can also make it easier to manage your travel budget. You can do this online with access to real time⁴ currency exchange quotes that you can refresh as many times as you want before accepting a rate. These real time rates are generally more competitive than public board rates set each day by most banks.

Security - you'll enjoy the fraud protection measures of Visa Zero Liability³ protection.

The Everyday Global Visa Debit Card has all the functionality of a pre-paid multi currency Travel Card as well as an everyday transaction account and unlimited fee free1 overseas ATM withdrawals and transactions. Your Everyday Global Account can also be used as a normal transaction account when you are in Australia, allowing you to set up regular deposits and payments from your account in Australian dollars as well as in the other currencies you hold. There is also no account fee⁹, no minimum balance requirement and you'll benefit from the fraud protection measures of Visa Zero Liability³ protection. You have access to exchange currencies online at competitive real time rates⁴. Holding multiple currencies gives you the flexibility to:

• exchange currencies or "load up" your account before going overseas helping you keep tight control of your spending and lock in a rate in advance
• exchange currencies within your account on the go or
• simply use your debit card and have the funds automatically converted from your Australian dollars balance at the time of a transaction. This option is also available to access other currencies in addition to the 10 you are able to hold in your Everyday Global Account.

Yes. The amount will be deducted from your Australian Dollars balance and converted into the local currency at the VISA exchange rate. No overseas transaction or ATM fees will apply (some ATM operators and merchants may charge a separate fee).

Australian Dollars is the control currency for the Everyday Global Account. It may also be referred to as the 'main currency' or the 'default currency'. If you are transacting in a currency you don't hold or if there are insufficient funds in that currency, the funds will “by default” come from your Australian Dollars balance. If you deposit into your account and don't hold that currency, the funds will “by default” be converted and deposited as Australian dollars.

For flexibility and control. Where you hold other currencies in your account you can:

• Control when you transfer between currencies – at any time⁴ before you make a purchase or withdrawal, or choose to automatically convert when you complete a transaction.
• Get unlimited real time currency exchange quotes online at any time when currency markets are open and move money between currencies 24x7 within your account4. Real time exchange rates are generally better than the daily rate that is automatically applied at the time of a purchase or withdrawal
  
• Have the flexibility to choose whether to accept an exchange rate quote or wait for a better rate.
• Immediately access converted funds³.
• Save in other currencies, helping you to keep better track of your budget when you are travelling