Have $5 added to your account when you sign up and add a debit card (not Credit Card).
This is a great alternative to the slow rollout of the NPP (New Payments Platform) and has been backed by three of the 4 Big Banks. It uses transfers that simultaneously creates credits/refunds direct to your debit Visa/Mastercard instantly to settle split bills or transfer money owed between people. Perfect for splitting the cost of a meal in a group of friends. It's effectively a competitor to apps like Splitwise except developed here in Australia and has direct card integration.