澳洲拥有非SMS 2FA的银行，没有国际费用

lebesgue“ commut” 2FA。我想可能有旧的客户仍然具有物理令牌。

他们的银行应用程序和密码策略还有很多不足之处。它对我们来说笨拙且恐怖。

我正在考虑简化往返英国/

的转移，

别无他法。

银行可以从他们那里学到很多东西，而国际付款可以从他们那里学到很多东西。 ：

https://www.mebank.com.au/ge tmedia/c0bf2e3a-30a-30a3-492c-96 90-C5397DC0A486/eta_terms_an d_conditions_.pdf？v = 1747399163

“ 5.2我们可能会在任何时候关闭您的帐户
（包括虽然将其链接到房屋贷款
作为抵消帐户），并且没有事先注意
注意：
•我们必须按照法律或
的命令或
遵守我们的法律或其他法规义务；或以其他方式遵守
我们的法律义务；
•您不会为我们提供准确的和最新的外国税收居住状况
信息
信息；
•您不再是澳大利亚居民”

也是麦奎里（Macquarie），也建议您在澳大利亚居住的人

在申请时在澳大利亚，有：
澳大利亚永久住宅地址，
澳大利亚手机号码，
有效的电子邮件 address."

https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html

I would open 2-3 accounts before leaving (Preference for Big 4 which are able to update a foreign TFN) just to make sure you'll have an active one since they might close it suddenly when they found out you're not coming back soon.

Wise is a great complementary account for accepting money from abroad (or sending) and for currency conversions.

Silly question but with the likes of Revolut and Wise not being a bank in Australia,此外：

- 与麦奎里（Macquarie）的交易帐户（例如FCS

未涵盖的产品相比 single/limited use debit cards (though I note Bankwest also supports)

Agree with many of the comments:

sp00ker writes...

Yet so much better than any Australian bank offering.

I am glad Revolut suits your需求。

OP是在澳大利亚银行之后的。澳大利亚银行是鳍的一部分属索赔计划。 Revolut is not.

andrew99999 writes...

hands down the best banking app experience I've had

Seems to be the common praise that Macquarie gets.

OP should remember to enter their travel dates into the app so Macquarie knows that they're overseas (probably enter 1yr at first and then put in another year之后的旅行）。

打开多个银行帐户

lebesgue写入...

可能是hsbc

hsbc app is as at is at iS，它确实使用了基于应用程序的身份验证器，并且日常全球帐户确实没有国际交易费用。唯一的缺点是可以将可以加载到日常全球卡的货币使用汇丰银行的汇率而不是签证。对于Op。

可能不是问题的问题，而没有使用Authenticator App代替SMS OTP的国际交易费用的其他借记卡是Suncorp，但我可以验证Suncorp会关闭未使用的帐户...发生在我的妻子身上。这么说，在我为她开放后，她没有使用她的卡或帐户一次。 Mine I had used a few times to deposit cash on and I haven't touched it in about half a year and it's still active.

These are the three transaction accounts with no international transaction fees and an authenticator app that I can think of.

Banks with legacy system (probably not the new ANZ accounts) usually can support foreign tax residents for tax purposes when you become one (If they still want you as a不保证的客户）：NAB，CBA，Westpac，BankWest，HSBC。