Hi Liviam

We have one. We use it for internet purchases really. So whenever I want to buy something online, I put money into that account and use it.
We have one through ANZ, but all of our other accounts are through WideBay. We had to go through ANZ as Widebay doesn't offer them. PITA but anyway.

I think they're great You can use them at woolies or big w or anywhere, you just use them as you would any other card. Except you need to insert the card (not swipe), still click "savings account" and type in your pin number. You can withdrawl money etc. Basically they are just like an everyday card, but gives you the added options to buy things online, or give your details when you book a hotel etc.

Good because you can only spend what money you have, no money - no spending!

HTH