It is better than my home country. Here Australia, people can make a connection between normal Bank (HSBC, CommonWealth, ..) and Investiment Association (Up to now, I only know ING...), and then, people can transfer easily (By internet or phone) their money between two Bank without any extra fee. Usually, ING, or similar investiment associations, gives a higher profits for their customers.
To apply ING account is very easy, just apply on the internet, print the auto-generated form and sign, and mail to ING with a copy of bank statement. Note that post fee is paid by ING :)
I just send the mail, and I will get approved next week hopely if successful.
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