I love this bank! When I first signed up they had a promo where you get 5% cash back for the first six months on pay pass purchases under $100. Guess who has been paying their electricity and gas bills in $99 instalments? I also stopped automatic opal top ups and now top up at tge newsagent with pay Pass. Apart from rent I get 5% off all my daily expenses. Then they had a Facebook promo for a $250 online store called the iconic for new customers, I was still eligible despite having already signed up. Came in handy when I needed some dressy shoes for a wedding, a sports bra and some t shirts. Now they're doing a promo where both myself and a friend get a $250 voucher if I refer them. So I'm referring my husband and we get $500 combined. I bought the vivobarefoot shoes that were recommended in the "buy it for life" thread. I also pay no ATM fees if I deposit over a $1000 each month, for any ATM. I also get $2 if I withdraw $200 with an eftpos transaction.