[[cards_with_no_overseas_transaction_fees]]
Differences
This shows you the differences between two versions of the page.
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cards_with_no_overseas_transaction_fees [2020/05/15 00:19] datlcmaulen |
cards_with_no_overseas_transaction_fees [2024/05/10 15:51] (current) B3njamin [Pre-Paid Debit Cards with No Overseas Transaction Fees] |
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| - | **This wiki breaks down all the credit and debit cards available in Australia that don't charge you international fees.** | + | ====== Debit & Credit Cards with No International Fees ====== |
| - | ====== Credit Cards with No Overseas Transaction Fees ====== | + | This wiki breaks down all the credit and debit cards available in Australia that don't charge you international fees. |
| - | |**Bank** ^ Product Name ^ Annual/Monthly Fee ^ Additional Card Holder Fee ^ Reward Points/Cash Back ^ Airport Lounge ^ Travel Insurance ^ Price Guarantee ^ Purchase Security ^ Extended Warranty ^ Apple Pay ^ Google Pay ^ Fitbit Pay ^ Garmin Pay ^ Interest Free Period ^ | + | This wiki is contributed by the public, therefore its accuracy cannot be guaranteed. You need to perform your own checks on the specific banks websites by reading their up to date terms and conditions. |
| - | ^ ANZ | Rewards Travel Adventures | $225 | $65 | 1.5 ANZ Rewards Points per $1 up to $2000 per month, then 0.5 | x2 Virgin Australia Domestic Passes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | | + | |
| - | ^ Bankwest | Breeze Platinum | $99 ($49 in 1st year) | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 55 Days | | + | |
| - | ^ Bankwest | More Platinum | $160 | $0 | 2 Bankwest points per $1 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days | | + | |
| - | ^ Bankwest | More World Platinum | $270 | $0 | 2.5 Bankwest points per $1 | 10 Passes per year (LoungeKey) | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days | | + | |
| - | ^ Bankwest | QANTAS Platinum | $160 | $0 | 0.75 QANTAS points per $1 up to $2500, then 0.3 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days | | + | |
| - | ^ Bankwest | QANTAS World Platinum | $270 | $0 | 1 QANTAS points per $1 up to $5000, then 0.5 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days | | + | |
| - | ^ Bankwest | Zero Platinum | $0 | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 55 Days | | + | |
| - | ^ Coles | Rewards Mastercard | $99 | $0 | 2 Flybuys points per $1 | - | Yes | Yes | Yes | Yes | Yes | - | - | - | 55 Days | | + | |
| - | ^ Commonwealth Bank | Low Fee Gold | $0 with $10,000 annual spend, otherwise $89 | $0 | - | - | Yes | Yes | - | Yes | Yes | Yes | Yes | Yes | 55 Days | | + | |
| - | ^ Commonwealth Bank | Ultimate Awards | $0 with $2500 monthly statement spend, otherwise $35 per month | $0 | *3 Commbank Award Points for International Spend ,*2 Commbank Award Points for Grocery/Petrol, *1 Point for everything else | LoungeKey Access at a cost | Yes | - | Yes | - | Yes | Yes | Yes | Yes | 55 Days | | + | |
| - | ^ HSBC | Low Rate | $99 | $0 | - | - | - | - | - | - | Yes | Yes | - | - | 55 Days | | + | |
| - | ^ ING | Orange One | $0 | $10 | - | - | - | - | - | - | Yes | - | - | - | 44 Days | | + | |
| - | ^ ING | Orange One Platinum | $149 | $10 | 1% Cashback up to $3000 spend per month | - | Yes | - | - | - | Yes | - | - | - | 44 Days | | + | |
| - | ^ Latitude Finance | 28 Degrees | $0 | $0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 55 Days | | + | |
| - | ^ Macquarie Bank | Black | $149 | $0 | 2 Macquarie Points per $1. Or 1 QANTAS Point per $1 up to $4000 then 0.5 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | | + | |
| - | ^ Macquarie Bank | Platinum | $99 | $0 | 1.25 Macquarie Points per $1. Or 1 QANTAS Point per $1 up to $1000 then 0.5 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | | + | |
| - | ^ Macquarie Bank | Rate Saver | $69 | $0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 55 Days | | + | |
| - | ^ Westpac | Lite | $108 | $0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 45 Days | | + | |
| - | ====== Debit Cards with No Overseas Transaction Fees ====== | + | ====== Ethical Banking ====== |
| - | |**Bank** ^ Product Name ^ Monthly Fee ^ Joint Accounts ^ OSKO & PayID ^ Cash Back ^ Bank@Post ^ Travel Insurance ^ Purchase Security ^ Extended Warranty ^ Price Guarantee ^ Airport Lounge Access ^ Overseas ATM Withdrawal Fee ^ Rebate Overseas ATM Operator Fee ^ Apple Pay ^ Google Pay ^ Fitbit Pay ^ Garmin Pay ^ Notes ^ | + | See if the bank you choose invests its money in fossil fuels: |
| - | ^ 86400 | Pay Account | $0 | Yes (Pilot) | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - | | + | |
| - | ^ Citibank | Plus Transaction Account | $0 | Yes | - | - | Yes | - | - | - | - | - | $0 | Citibank Only | Yes | - | - | - | - | | + | |
| - | ^ Commonwealth Bank | World Debit Card | $10 | Yes | Yes | - | Yes | Yes | Yes | Yes | Yes | x2 LoungeKey passes annually | $0 | - | Yes | Yes | Yes | Yes | **PRODUCT BEING TRAILED, INVITE ONLY** | | + | |
| - | ^ CUA | SNAP Transaction Account | $0 | Yes | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | - | - | Deposit $2000 per month + 5 transactions | | + | |
| - | ^ HSBC | Everyday Global | $0 | Yes | - | 2% tap and pay under $100 | Yes | - | - | - | - | - | $0 | HSBC Only. Excluding HSBC ATM's in Argentina, Brazil, Malta, Mexico, New Zealand, France | Yes | Yes | - | - | Deposit $2000 per month | | + | |
| - | ^ ING | Orange Everyday | $0 | Yes | Yes | - | Yes | - | - | - | - | - | $0 | Yes | Yes | Yes | - | - | Deposit $1000 per month + 5 Transactions | | + | |
| - | ^ ING | Youth Everyday | $0 | Yes | Yes | - | Yes | - | - | - | - | - | $0 | Yes | Yes | Yes | - | - | Restricted to 15, 16 and 17 year olds | | + | |
| - | ^ Macquarie | Transaction | $0 | Yes | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - | | + | |
| - | ^ NAB | Platinum Debit | $10 | Yes | Yes | 1% on contactless purchases | Yes | Yes | Yes | Yes | Yes | - | $5 | - | Yes | Yes | Yes | Yes | - | | + | |
| - | ^ UBank | Ultra Transaction | $0 | Yes | - | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - | | + | |
| - | ^ Revolut | Standard | $0 | - | - | - | - | - | - | - | - | - | $0 up to $350 per month | - | - | - | - | - | Revolut is a prepaid account | | + | |
| - | ^ Revolut | Premium | $10.99 | - | - | - | - | - | - | - | - | passes available to purchase | $0 up to $700 per month | - | - | - | - | - | Revolut is prepaid account | | + | |
| - | ^ Transferwise | Boarderless Account | $0 | - | - | - | - | - | - | - | - | - | $0 up to $350 every 30 days | - | Yes | Yes | - | - | Transferwise is a prepaid account. $2000 limit on Apple Pay. $3500 limit on Google Pay | | + | |
| - | ^ UP | Transaction Account | $0 | - | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - | | + | |
| - | ^ Xinja | Bank Account | $0 | - | - | - | - | - | - | - | - | - | $0 | - | Yes | Yes | - | - | - | | + | |
| - | ====== Banks That Offer Both Debit and Credit Cards with No International Transaction Fees ====== | + | https://www.marketforces.org.au/info/compare-bank-table/ |
| - | **For those people that like to have all their banking under the one roof see the banks listed below. You can reference the tables above for more information** | + | |
| - | ====Commonwealth Bank==== | + | ====== VISA & Mastercard ====== |
| - | Please note that Commonwealth Bank will waive the annual fees on most (not all) of their credit cards if you have a mortgage with them under one of their 'Wealth Package' mortgages. They are also waived if you meet the minimum spend requirements through the card each month/year. Commbank also have share trading available through Commsec, so for those of you that also want to manage your investments through the same bank this is something to consider. | + | VISA and Mastercard are the payment networks which allows banks to process credit and debit cards transactions. So even though your bank will issue you the card itself (which is linked to a local bank account), Visa and Mastercard allow them to use their networks for the payments to happen. |
| - | ^ Credit/Debit ^ Product Name ^ Notes ^ | + | Mastercard is more popular in Australia due to it's discounts, specials and rewards, however VISA is the largest payment network globally. |
| - | | Debit Card | World Debit Card | **PRODUCT BEING TRIALED, INVITE ONLY** | | + | |
| - | | Credit Card | Low Fee Gold Mastercard | $0 if you spend $10,000 per year, otherwise $89 annually | | + | |
| - | | Credit Card | Ultimate Awards Mastercard | $0 if you spend $2500 per statement period, otherwise $35 monthly | | + | |
| - | ====HSBC==== | + | It's advisable when travelling overseas that you have both a VISA and Mastercard issued credit or debit card on you, just incase a merchant doesn't accept either VISA or Mastercard. |
| - | HSBC Everyday Global has 2% cash back on payments under $100. To get this you need to deposit $2000 per month. | + | ===== Mastercard ===== |
| + | If you transact in a foreign currency that is not USD, Mastercard will first convert the amount to USD and then back into AUD. | ||
| + | |||
| + | Mastercard Exchange Rate: | ||
| + | https://www.mastercard.us/en-us/personal/get-support/convert-currency.html | ||
| + | ===== VISA ===== | ||
| + | VISA's exchange rates in USD generally match Mastercard's rate. | ||
| + | |||
| + | VISA Exchange Rate: | ||
| + | https://www.visa.com.au/support/consumer/travel-support/exchange-rate-calculator.html | ||
| + | |||
| + | ====== Dynamic Currency Conversion (DCC) ====== | ||
| + | |||
| + | If you have a card with no international transaction fee's, it's advisable to avoid using DCC if it's offered to you. | ||
| + | |||
| + | DCC is sold as a service for travelers because you don’t need to understand the exchange rate to know what a transaction is costing you. However, it comes with the risk of hidden fees and a poor exchange rate. | ||
| + | |||
| + | DCC occurs when you’re prompted if you like to be charged in the local currency or Australian Dollars (AUD). | ||
| + | The three places you will likely see DCC being used is via PayPal, foreign ATM's and foreign merchant terminals. However, you may find this prompt in other places while travelling overseas. | ||
| + | |||
| + | If you have a card with no international transaction fee's, you will likely always be ahead if you select 'pay in local currency' which will process the payment via VISA or Mastercard's exchange rate. This is typically better than the rate an overseas ATM or merchant will give you via their DCC offering. | ||
| + | ====== Credit Cards with No Overseas Transaction Fees ====== | ||
| + | |||
| + | |**Bank** ^ Product Name ^ Annual/Monthly Fee ^ Visa/Mastercard ^ Joint Accounts ^ Additional Card Holder Fee ^ Reward Points/Cash Back ^ Airport Lounge ^ Travel Insurance ^ Price Guarantee ^ Purchase Security ^ Extended Warranty ^ Apple Pay ^ Google Pay ^ Garmin Pay ^ Interest Free Period ^ Notes ^ | ||
| + | ^ Bankfirst | Classic | $0 | Visa | No | $0 | - | - | - | - | - | - | Yes | Yes | - | 55 Days | International transaction fee waiver only applies if you have a home loan with Bankfirst. | | ||
| + | ^ Bankfirst | Platinum | $99 | Visa | No | $0 | - | - | Yes | - | - | - | Yes | Yes | - | 55 Days | - | | ||
| + | ^ Bankwest | Breeze Platinum | $69 ($0 in 1st year) | Mastercard | No | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | - | | ||
| + | ^ Bankwest | More Platinum | $160 | Mastercard | No | $0 | 2 Bankwest points per $1 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | 44 Days | - | | ||
| + | ^ Bankwest | More World Platinum | $270 | Mastercard | No | $0 | 2.5 Bankwest points per $1 | 10 Passes per year. | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - | | ||
| + | ^ Bankwest | Qantas Platinum | $160 | Mastercard | No | $0 | 0.6 QANTAS points per $1 up to $2500, then 0.3 | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - | | ||
| + | ^ Bankwest | Qantas World Platinum | $270 | Mastercard | No | $0 | 1 QANTAS points per $1 up to $5000, then 0.5 | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - | | ||
| + | ^ Bankwest | Zero Platinum | $0 | Mastercard | No | $0 | - | - | Yes (International Only) | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | - | | ||
| + | ^ Bendigo Bank | Ready | $0 | Mastercard | Yes | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | - | | ||
| + | ^ Commonwealth Bank | Smart Awards | $0 with $2000 monthly statement spend, otherwise $19 per month. | Mastercard | No |$0 | 1.5 Awards points or 0.6 Qantas Points for every $1 spent up to and including $5,000 in a statement period. | Access to lounges at additional cost. | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 45 Days | - | | ||
| + | ^ Commonwealth Bank | Ultimate Awards | $0 with $4000 monthly statement spend, otherwise $35 per month. | Mastercard | No |$0 | 3 Commbank Award Points for International Spend, 2 Commbank Award Points for Grocery/Petrol, 1 Point for everything else. Option to earn Qantas Points instead of CommBank Award Points for $60. | x2 Provided each year. | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 45 Days | - | | ||
| + | ^ Commonwealth Bank | Neo | $12/$18/$22 Per Month based on credit limit | Mastercard | No | Not Available | - | - | - | - | - | - | Yes | Yes | Yes | No Interest Charged | Monthly fee is charged if you use the card. If you don't use the card then no monthly fee applies. | | ||
| + | ^ HSBC | Low Rate | $99 | Visa | No | $0 | - | - | - | - | - | - | Yes | Yes | - | 55 Days | - | | ||
| + | ^ ING | Orange One Low Rate | $0 | Visa | No | $10 | - | - | Yes, if credit limit is $6000 or more. | - | - | - | Yes | Yes | - | 44 Days | Deposit $1000 + x5 transactions across ING debit or credit card or hold an ING home loan. | | ||
| + | ^ ING | Orange One Platinum | $149 | Visa | No | $10 | 1% Cashback up to $3000 spend per month. | - | Yes | - | - | - | Yes | Yes | - | 44 Days | Deposit $1000 + x5 transactions across ING debit or credit card, or hold an ING home loan. | | ||
| + | ^ Latitude Finance | 28 Degrees | $0 | Visa | No | $0 | - | - | - | - | - | - | Yes | Yes | Yes | 55 Days | Charges at least $0.95 for each BPay payment. Subject of a data breach March 2023. | | ||
| + | ^ Macquarie Bank | Black | $149 | Mastercard | No | $0 | 2 Macquarie Points per $1 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers. | | ||
| + | ^ Macquarie Bank | Platinum | $99 | Mastercard | No | $0 | 1.25 Macquarie Points per $1 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers. | | ||
| + | ^ Macquarie Bank | Rate Saver | $69 | Mastercard | No | $0 | - | - | - | - | - | - | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers. | | ||
| + | ^ NAB | StraightUp | $10/$15/$20 Per Month based on credit limit. | Visa | No | Not Available | - | - | - | - | - | - | Yes | Yes | Yes | No Interest Charged | Monthly fee is charged if you use the card. If you don't use the card then no monthly fee applies. | | ||
| + | ^ Westpac | Lite | $108 | Mastercard | No | $0 | - | - | - | - | - | - | Yes | Yes | Yes | 45 Days | - | | ||
| + | ====== Debit Cards with No Overseas Transaction Fees ====== | ||
| - | ^ Credit/Debit ^ Product Name ^ Notes ^ | + | |**Bank** ^ Product Name ^ Monthly Fee ^ Visa/Mastercard ^ Joint Accounts ^ Cashback ^ Bank@Post ^ Travel Insurance ^ Purchase Security ^ Extended Warranty ^ Price Guarantee ^ Airport Lounge Access ^ Overseas ATM Withdrawal Fee ^ Rebate Overseas ATM Operator Fee ^ Apple Pay ^ Google Wallet ^ Samsung Wallet ^ Garmin Pay ^ Notes ^ |
| - | | Debit Card | Everyday Global | $2000 deposit each month for 2% cash back | | + | ^ Bankfirst | Visa Debit | $0 | Visa | Yes | - | Yes | - | - | - | - | - | $2.50 | - | Yes | Yes | Yes | - | International transaction fee waiver only applies if you have a home loan with Bankfirst. | |
| - | | Credit Card | Low Rate | $99 Annual Fee | | + | ^ Bankwest | Easy Transaction | $0 | Mastercard | WA or Home Loan Customers Only. | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | - | - | |
| + | ^ Bankwest | Qantas Transaction | $0 | Mastercard | WA or Home Loan Customers Only. | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | - | 3 Qantas Points per eligible purchase and 0.3 Qantas Points for every $100 in your account each day on balances up to $50,000. Must deposit $2000 per month. | | ||
| + | ^ Great Southern Bank | Everyday Edge Account | $0 | Visa |Yes | - | Yes | - | - | - | - | - | $4.50 (rebated if eligible criteria met) | - | Yes | Yes | Yes | - | Deposit $2000 + 5 eligible card purchases in the current month. The rebate is applied on the first day of the next month. | | ||
| + | ^ HSBC | Everyday Global | $0 | Visa | Yes | 2% on contactless purchases under $100. | Yes | - | - | - | - | - | $0 | HSBC ATM's only. Excluding HSBC ATM's in Argentina, France, Greece, Malta, Mexico and Turkey. | Yes | Yes | No | - | For 'Everyday Extras' you must deposit $2000 per month. Single network debit card. Visa only - No eftpos. | | ||
| + | ^ ING | Orange Everyday | $0 | Visa | Yes | - | Yes | - | - | - | - | - | $0 (max 5 ATM withdrawals per month rebated - domestic and international) | No | Yes | Yes | No | - | Deposit $1000 per month and make 5 eligible transactions or hold an ING home loan. | | ||
| + | ^ Macquarie | Transaction | $0 | Mastercard | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | No | Yes | Single network debit card. Mastercard only - No eftpos. | | ||
| + | ^ Me Bank | SpendME | $0 | Visa | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | No | Yes | - | | ||
| + | ^ NAB | Platinum Debit | $10 | Visa | Yes | 1% on contactless purchases. | Yes | Yes | Yes | Yes | Yes | - | $5 | - | Yes | Yes | Yes | Yes | - | | ||
| + | ^ Suncorp | Everyday Options | $0 | Visa | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | - | - | | ||
| + | ^ :ubank | Spend Account | $0 | Visa | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - | | ||
| + | ^ Up | Transaction Account | $0 | Mastercard | Yes - Must create and have 2x individual personal accounts to use. | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | Up doesn't offer standalone shared accounts (i.e. cannot create a joint account owned by two people). | | ||
| - | ====ING==== | + | ====== Pre-Paid Debit Cards with No Overseas Transaction Fees ====== |
| - | Please note that ING will only waive the international fees on their cards if you deposit $1000 into your ING account and have x5 completed transactions through a combination of your debit or credit cards. ING does not issue their credit cards unless you also open a transaction and savings account with then. Their credit cards do not support Google Pay, however their debit cards do. Their credit card 'AutoPay' feature does not work on joint savings account. | + | |
| - | ^ Credit/Debit ^ Product Name ^ Notes ^ | + | |**Bank** ^ Product Name ^ Monthly Fee ^ Airport Lounge Access ^ Overseas ATM Withdrawal Fee ^ Rebate Overseas ATM Operator Fee ^ Apple Pay ^ Google Wallet ^ Samsung Wallet ^ Garmin Pay ^ Notes ^ |
| - | | Debit Card | Orange Everyday Debit Card | Monthly $1000 deposit + 5 transactions| | + | ^ Hay | Prepaid | $0 | - | $0 up to $500 per month, 1.5% for amounts past $500. | - | Yes | Yes | Yes | - | Hay is a prepaid account. | |
| - | | Debit Card | Youth Everyday Debit Card | Limited to 15, 16, 17 Year Olds | | + | ^ Revolut | Standard | $0 | - | $0 up to $350 per month. | - | Yes | Yes | Yes | Yes | Free physical card (excluding delivery) and no fee for 1st virtual Visa card. | |
| - | | Credit Card | Orange One Mastercard |$0 Annual Fee | | + | ^ Revolut | Premium | $10.99 | Passes available to purchase. Free passes if flight is delayed for >1 hour. | $0 up to $700 per month. | - | Yes | Yes | Yes | Yes | - | |
| - | | Credit Card | Orange One Platinum Mastercard | $149 Annual Fee | | + | ^ Revolut | Metal | $24.99 | Passes available to purchase. Free passes if flight is delayed for >1 hour. | $0 up to $1400 per month. | - | Yes | Yes | Yes | Yes | - | |
| + | ^ Wise | Multi Currency Account | $0 | - | 2x free withdrawals every 30 days up to $350. | - | Yes | Yes | Yes | Yes | $10 new card order fee. Wise has integration with 'Up' for international money transfers. | | ||
| - | ====Macquarie Bank==== | ||
| - | Macquarie bank offer 2 different point earning abilities on their Platinum and Black Visa, you can select either QANTAS points or Macquaire Points. Macquaire bank also have share trading available, so for those of you wanting to also manage your shares under the one platform this is something to consider. | ||
| - | ^ Credit/Debit ^ Product Name ^ Notes ^ | ||
| - | | Debit Card | Transaction Debit Card | | ||
| - | | Credit Card | Platinum Visa (Macquarie or Qantas Points) | $99 Annual Fee | | ||
| - | | Credit Card | Black Visa (Macquarie or Qantas Points) | $149 Annual Fee | | ||
Last edited by B3njamin on 2024/05/10 15:51