DH and I are with ANZ and have been for about 15 years.

We pay $2 a month for the luxury of the account, almost $100 p/an for a single Visa with rewards program, and not much else because we pay basically everything either on the c/card or online.

Interest rate on the c/card is around 20% which is just stupid, and if we want another card so DH has one in his wallet, that would be another $40 odd. We both also have a mastercard, not with ANZ.

We're looking at getting a new joint account, a c/card each, and account for DS1 and DS1.

We also have a m/g which we might refinance, if we can get a good enough deal (interest rate is 7.15% variable (or thereabouts - fixed term portion has expired) with unlimited redraw - not with ANZ.

I've had a browse online, but everyone's deal IRL seems to be quite different from what is on the different banks' websites.

Who are you with and why?