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Best bank for newcomers — ING vs Up vs CommBank?

Anonymous Honest Platypus · 16 May 2026

Need to open my first AUD account this week. CommBank let me open one online before landing which was great, but their fees feel old-school. ING and Up both look cleaner and better app-wise. For people who've been here a year or two — which one do you actually use day-to-day, and which one would you not pick again if you could redo it?

3 replies

  • Anonymous Steady Echidna · 16 May 2026

    Up day-to-day, keep an HSBC or CommBank account for the rare times you need a branch. Up's app is best in class. ING for savings interest.

  • Anonymous Modest Numbat · 16 May 2026

    ING gives you foreign-ATM fee rebates if you meet conditions — matters if you travel back to your home country. Up doesn't.

  • Anonymous Realistic Magpie · 16 May 2026

    CommBank Smart Saver rate is genuinely good if you hit the bonus interest conditions. App is dated but reliable, and the branches matter for first home loans later.

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