I have recently bad experience with ANZ bank. i been paying every month foreign pension international transaction fees$15 per transaction. in real, they waive transaction fees for foreign pension( which did i find out recently) and also they send me confirmation every transaction for pension payment too( it means they know abt it but do not want waive until customer take action). now they will waive but just want make sure for oz bargainer, are you paying fees by mistake which bank not told you about waive fees? if yes check with your bank may be you can save $15.00 per transaction.not make bank more richer.