When you need to visit a bank branch to perform an everyday banking transaction, sometimes it’s not always possible to find a branch close by. But instead of travelling well out of your way to make a deposit or pay a bill, you might be able to do your banking at your nearest post office.
Bank@Post is an Australia Post program that provides transaction services on behalf of more than 70 participating banks and financial institutions around Australia. This means that instead of simply relying on your bank’s branch network, you can take care of your banking needs at more than 3,500 participating post offices across the country. Let’s take a closer look at the transactions you can complete using Bank@Post and the benefits this service provides.
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What can I do with Bank@Post?
If your bank or financial institution participates in Bank@Post, you can visit more than 3,500 post offices around Australia to perform a wide range of transactions, including:
Deposit cash and cheques into your account
Withdraw cash from your account
Pay credit card bills
Check your account balance
Prove your identity (for new customers who want to open an account)
Perform financial transactions for your business account
In effect, visiting a post office becomes exactly the same as visiting your bank. You receive the same personalised face-to-face service you would receive in your local bank branch, as well as all the usual banking facilities. This is particularly useful if you live in rural Australia or a remote location where it may not be easy to access your nearest bank branch.
Whatever type of transaction you want to do, simply line up at the counter just as you would to access normal post office services. Have your transaction card and PIN ready, as well as any other details you need for your transaction, such as proof of ID or a cheque you want to cash. The teller will then guide you through the transaction.
Who can use Bank@Post?
Bank@Post services are available to anyone who holds an account with a participating bank or financial institution – you’ll find a list of these a little further down the page. All you need to be able to use your post office as a bank branch is:
An account with a participating bank or financial institution
There are many advantages of using the Bank@Post service, including:
Bank@Post effectively increases your bank’s branch network substantially, allowing you to take care of your everyday banking needs at more than 3,500 Australian post offices.
Australia Post does not charge any extra fees for its Bank@Post services. However, it’s worth checking the terms and conditions of your account to make sure your bank doesn’t impose any additional charges.
If you live in a rural area or a remote part of Australia, it’s much easier to find a post office where you can perform your essential banking transactions.
Increased opening hours
Some post offices are open on Saturdays and even Sundays, providing more convenient opportunities for you to manage your money.
Easy for travellers
If you’re travelling anywhere in Australia where your bank doesn’t have a branch, you can simply pop into your nearest participating Bank@Post outlet.
If you run a business, you can perform important business banking transactions at your post office at the same time as you send and receive mail or stock up on office supplies.
What else should I know about Bank@Post?
Before you begin using Bank@Post facilities, make sure you’re aware that specific limits apply to individual transactions. These include limits on how much you can deposit into or withdraw from your account using Bank@Post each day.
Limits also vary from one bank to the next. For example, while ANZ customers can deposit up to $5,000 per transaction per day using Bank@Post, Suncorp Bank customers can only deposit a maximum of $3,000.
Make sure you’re aware of all these limits so that you don’t get caught out. It’s also a good idea to check the terms and conditions of your account to make sure that your bank will not charge any extra fees when you use Bank@Post services. In general, banks will charge the same fees as they do for over-the-counter transactions carried out at branches.
Tim Falk is a writer for Finder, writing across a diverse range of topics. Over the course of his 15-year writing career, Tim has reported on everything from travel and personal finance to pets and TV soap operas. When he’s not staring at his computer, you can usually find him exploring the great outdoors.
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