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easy to open bank account from these

 Opening a bank account in Australia is a relatively straightforward process, especially for those with the right documentation. However, the easiest bank account to open can depend on your situation, such as whether you're a local or an international student, or whether you need an account for general purposes or for specific needs like saving or international transactions.

Here are some of the easiest options for opening a bank account in Australia:

1. Commonwealth Bank (CommBank)

  • Ease of Application: Commonwealth Bank is one of Australia's largest banks, and it offers an easy process for both local and international customers. You can open an account online and, in many cases, start using it before your physical card arrives.
  • Account Types: It offers basic transaction accounts (e.g., Smart Access Account) that don’t charge monthly fees under certain conditions. CommBank also has good mobile banking apps and 24/7 customer support.
  • Documents Required: You'll need to provide proof of identity (passport, visa, or Australian ID). For international customers, the bank will request a visa and proof of address.
  • Online Banking: Opening an account online before you arrive is possible, and you can have access to most services instantly once the account is active.

2. ANZ (Australia and New Zealand Banking Group)

  • Ease of Application: ANZ offers simple online banking registration and has a reputation for making the process smooth for new customers. ANZ's Access Advantage account is popular because it has no monthly fee if you deposit a certain amount monthly.
  • Account Types: ANZ offers a range of accounts with minimal fees for students and newcomers, like the ANZ Access Basic account, which offers fee-free banking with easy access to ATMs.
  • Documents Required: Like most banks, proof of identity, a visa or passport, and address verification (if you're staying in Australia) are required.
  • Online Banking: ANZ allows international customers to open accounts online in some cases, which is convenient for those planning to travel or settle in Australia.

3. Westpac

  • Ease of Application: Westpac offers a straightforward process for both local residents and newcomers, including a specific account for students called Westpac Choice. The bank provides easy online applications and a streamlined process for international visitors.
  • Account Types: Westpac’s Choice account is great for people who want a no-monthly-fee option (when certain conditions are met). Additionally, their Student Account offers fee waivers for students.
  • Documents Required: Proof of identity and evidence of your Australian address or residential status are necessary for account opening.
  • Online Banking: Westpac has a user-friendly app, and you can start your account opening online, which makes it easy for newcomers.

4. NAB (National Australia Bank)

  • Ease of Application: NAB is also known for its simplicity in account openings. Their Classic Banking account is fee-free for those under 25, and their online application is efficient.
  • Account Types: NAB offers a range of no-fee banking options such as NAB Classic Banking with flexible online banking services and excellent mobile app access.
  • Documents Required: To open a bank account, you will need proof of identification (passport, student ID, or Australian ID) and proof of address if you're a local resident.
  • Online Banking: NAB provides a seamless online application process, and account holders can easily manage their finances through the NAB app.

5. ING Australia

  • Ease of Application: ING offers a digital-only experience, which is popular among those who prefer managing everything through mobile banking. You can open an account in minutes with no branch visits required.
  • Account Types: ING offers a Orange Everyday account, which has no monthly fees and offers ATM fee reimbursements when certain conditions are met.
  • Documents Required: You'll need to provide ID verification (such as a passport) and proof of address if you are a local resident.
  • Online Banking: ING’s app is entirely digital, which makes opening and managing your account extremely easy. It’s especially convenient for people who prefer banking online.

Conclusion

For most people, Commonwealth Bank, ANZ, and Westpac are some of the easiest banks to work with for opening an account, as they offer convenient online applications, no or low-fee accounts, and accessible customer service. ING provides an entirely digital banking experience, which can also be convenient for those who prefer managing finances without visiting branches.

It's always a good idea to compare fees, features, and the ease of accessing services before making your final decision. If you're a student or a newcomer, specific accounts might be offered with better terms, such as fee waivers.

For further information on opening an account, visit the banks' official websites:

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