For those in Perth always looking for a better, faster, cheaper way

AMEX Platinum Edge - $195 annual fee for Free Return Flight + 23kg luggage + 15,000 points Follow this link before 31st July

Tuesday, July 12, 2016

Cheapest University and School Text Books in Perth

Book stores have been closing down around Perth so there is no surprise that the cheapest place to get your text books is online. If you want to compare the price of your text books from Perth book stores to that of an online store which offers free delivery, click here and let us know what the price difference was for you.

How Long Do Bank Transfers Take?

Many people don't know how long it takes to send money from one account to another. Technologically, it is possible for bank transfers to be completed instantly, however, many banks would rather hold your money "in transit" for a little longer to earn daily interest.

The answer to how long it takes really depends on the bank. ING Direct has become our preferred bank account for everyday transactions because it offers instant transfers between your own accounts as well as transfers to other ING Direct customers. The mystery about how long each bank takes for the money to reach the recipient has sometimes been revealed. For example, on the Bankwest website, they have provided a table below showing the delays.

Payment scenario Payment types Cut-off time  Funds available in recipient's account
Transfer money between your Bankwest accounts Internal Transfer, Linked Account transfer 8:00pm Immediately
Make a credit card or loan repayment between your Bankwest accounts Internal Transfer, Linked Account transfer 8:00pm Immediately
Send money to another Bankwest account Pay AnyBody 8:00pm Same business day
Transfer money between your linked account at another bank Linked Account Transfer 3:00pm Within 3 business days
Send money to an account at another Australian bank Pay AnyBody 3:00pm Within 3 business days
Pay your bills via BPAY® BPAY 4:00pm^ Within 3 business days
Send money overseas International Transfer 5:00pm 3 – 5 business days

How good is your bank with unnecessary delays when it comes to bank transfers?

Thursday, May 26, 2016

ING Orange Everyday no longer offering 2% cashback on paypass

Edit: ING Direct has announced that they will no longer be giving 2% off rebates for customers using the ING Orange Everyday debit card from 30 September 2016. 

Transperth was the first company to introduce Perth people to the concept of tap-and-go with the SmartRiders. Now, that technology is available in most debit and credit cards. 
  • The account costs nothing to run or open
  • It is not limited to existing ING direct customers
  • Withdrawals from this account from any ATM over $200, ING will credit you $0.50. Withdraw less than that, you get charged an ATM fee (around $2.50)
  • 2% only applies to purchases made by paywave or paypass (not swiping the card or inserting the card)
  • Only for puchases under $100 (you can split the payment into two or three transactions though)
  • You get 2% off purchases if you regularly deposit money into the account (eg salary, manual transfers from another account). The money doesn't have to stay in the ING account, it can be transferred straight back out afterwards if you want. 

Some places that are getting or have already installed PayWave include
  • IGA, Coles, Woolworths, BWS
  • McDonald'sRed Rooster, Sumo Salad, Grilld, Pastacup, 
  • Bunnings Warehouse
  • Caltex/Woolworths 
  • Typo, The Body Shop, Cotton On
  • JB Hi-Fi
  • Dan Murphy's
  • Cabcharge
  • Event Cinemas

By now you will also know that paypass is used everywhere, some of which are called paypass, others called paywave. Paypass locations can be found here. If you got the ING Orange card, let us know your favourite stores that have Paywave/Paypass in the comments below, especially those little Perth favourites. 

Also, once you open an Orange Everyday account, you can also activate a Savings Maximiser account with little fuss. This gives you 3.0% interest which, if you are saving for a home loan, can give you much more than you're probably getting with other banks. If you are saving $150,000, 3% is equal to $4,500 every year! Follow this link to get $75 before 31 July 2016.