[toothbrush]

I'd love to endorse ING, but i must say, their security really worries me. I'm just putting this out there: you log in to internet banking with your "customer number" which is printed on your bank card, and then you have exactly 4-digit PIN you key in with their stupid on-screen keypad.

I love that they're relatively modern for Australian standards (fast payments, no fees ever, basically) so i'd love to endorse them, but i, too, am on the lookout for a replacement bank that has e.g. MFA with TOTP or a physical challenge-response box like my otherwise overpriced ABN bank account gave me back in 2002, in the Netherlands...

So i, too, am all ears for recommendations.

EDIT: and once you're in internet banking, you can willy nilly transfer cash out if you either use a "saved address" (someone you've paid before) or you'd need to hijack my mobile number. But $deity knows that's easy - just claim you own a number and get it ported over to a new service no-questions-asked. Facepalm, really.