墨尔本一家小银行，起存25w，年利高达8%。可靠性如何？
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这种一看就不是银行啊
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The Financial Claims Scheme does not apply to our Fixed Income Accounts. Like most investments, clients should be mindful that principal and interest are not guaranteed.
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Too good to be true
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你贪人家利息，人家贪你本金
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这个那里是银行,明显是理财产品.
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经常听人这么说， 具体 就是我存 3年后 告诉我本金没了？
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从小红书上copy的一个回答，不在任何监管之内：
Huge red flags - from their web site:
"Income Direct offers bills of exchange, which are not financial products under the Corporations Act. Promotional material made available by Income Direct may compare bills of exchange to financial products and services for illustrative purposes only and does not and is not an indication that Income Direct is dealing in a financial product or that a bill of exchange is offered as, or is, a financial product, or financial service.
Income Direct is not authorised under the Banking Act 1959 and is not supervised by the Australian Prudential Regulation Authority. Income Direct’s Fixed Income Accounts are not covered by the depositor protection provisions in section 13A of the Banking Act 1959, and are not covered by the Australian Government’s bank deposit guarantee (also commonly referred to as the Financial Claims Scheme) under the Banking Act 1959."
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不是政府认证的银行机构，亏本不赔，和国内前几年很火的那些P2P产品差不多，说暴雷就暴雷，别说利息，血本都无归
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我老公从他中学同学手上买过国内的什么投资产品，到期后人家直接说赔了，本金都没有了。。。
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