this post was submitted on 17 Jun 2024
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Look at Macquarie. They have 4 point something interest on all accounts (including transaction account) with no strings. You can have as many accounts as you like and can do everything with all the accounts - the only difference between transaction and savings account is whether it has a debit card, there is no requirement to move money to a transaction account so you can spend it like some banks have. It is an online only bank so you can't deposit cash, if you need to do that you have to put it into another bank and transfer.