In ten years only I've received one RBA interest rate cut
Bendigo Bank provides a reliable, friendly service to regional people. It is close by, convenient, the service is comprehensive, competitive rates and they also reinvest in the local community.
Nab is one of the best banks with everything really. This includes online banking, transferring, pay wave and the colour of the card itself. I would definitely rate NAB a straight 9/10 since no one is perfect.
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