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Who do you bank with and why?

  • 10-01-2013 12:54am
    #1
    spunkymunky
    Registered Users, Registered Users 2 Posts: 674 ✭✭✭


    Hi All

    I dont mean to probe but just wondering who you bank with and what are the benefits?
    Im currently with BNZ (going on three years) and have been thinking about a car loan with them. I used the calculator thingy and got some figures.
    I did a comparison with ASB and they were way cheaper, like a few hundy over the term!! I think the interest rate was like 4% less:eek:

    Got me thinking. Have I been banking with the wrong bank the last three years? I went with them initially because I could fill in form to open the account in Ireland, transfer the cash before i left and then sign a form when i get there and bam, done! Account sorted.
    I have never had a problem with them and love the open friendly feel in the branches.

    So without giving away how many millions you have stored, who do you recommend?

    Thanks
    Munky


Comments

  • #2
    FearDark
    Banned (with Prison Access) Posts: 9,425 ✭✭✭FearDark


    Asb. Even on a one year WHV they gave me a credit card. Their online banking is awesome...have some neat features like save the change etc.


  • #3
    Cookie_Monster
    Registered Users, Registered Users 2 Posts: 24,525 ✭✭✭✭Cookie_Monster


    TSB because it was a condition of the mortgage. before that ANZ, it was between ANZ and TSB after doing some research when first moving and ANZ made it easier to setup from abroad.


  • #4
    spunkymunky
    Registered Users, Registered Users 2 Posts: 674 ✭✭✭spunkymunky


    FearDark wrote: »
    Asb. Even on a one year WHV they gave me a credit card. Their online banking is awesome...have some neat features like save the change etc.

    I saw the save the change thing and I think its a great idea!! I would normally have a change jar at but with eftpos being so widely accepted (for any amount) I rarely carry cash!!

    Ive not looked into ANZ yet.


  • #5
    20260622
    Registered Users, Registered Users 2 Posts: 170 ✭✭20260622


    ANZ because I banked with them when we were in Oz, Visa First set the account up for us from Ireland. Never really bothered looking around at the other banks because I don't want a credit card so it's really just for everyday banking and the online banking is pretty straight forward.

    Also have an account with Rabo Bank for savings, had/have an account with them back in Ireland so I stuck to what I knew I suppose.


  • #6
    pclancy
    Registered Users, Registered Users 2 Posts: 3,941 ✭✭✭pclancy


    Rabo Direct for savings (nearly always the best rates) and Kiwibank for day to day stuff. Used to be ANZ/National but I like the idea of my money staying in NZ and not seeing the billion dollar profits of the big ozzie banks.


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  • #7
    Rosy Posy
    Closed Accounts Posts: 1,666 ✭✭✭Rosy Posy


    ASB ftw. They gave us by far the best rate on our mortgage and the service is brilliant. Also lots of little extras like a free tablet and free holiday insurance. They've also got a high security rating. We changed from BNZ and haven't looked back.

    Don't touch kiwibank with a 10ft pole. Had to deal with them for work and they're a bunch of incompetent postmistresses.


  • #8
    spunkymunky
    Registered Users, Registered Users 2 Posts: 674 ✭✭✭spunkymunky


    Cheers for all the replies. ASB is looking like it could be my new bank. Weekend opening aswell which is nice, being a 9 to 5er


  • #9
    brendansmith
    Registered Users, Registered Users 2 Posts: 4,526 ✭✭✭brendansmith


    Yeah I was with ANZ previously because thats who i was with in OZ but I couldnt get a visa debit off them because of my WHV status and so I went looking elsewhere.
    I went with ASB and havent looked back tbh, definitely head and shoulders above the rest as far as Im concerned


  • #10
    Pippy1976
    Closed Accounts Posts: 1,047 ✭✭✭Pippy1976


    I banked with BNZ whilst in NZ. Now that I'm back I still use them for savings etc. I find their online service really good. They're excellent at dealing with queries quickly.

    I was with National when I got to NZ in the beginning. Found them very antiquated - very old school which became difficult to deal with in the end. Withdrew everything, gave them a piece of my mind and never looked back. I wouldn't recommend them. Very provincial.


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