I was having a look at NAB's Gold Banking and it only charges $12 with unlimited withdrawals from any ATMs locally and overseas. For my trip to SEAsia/Hong Kong, I think this may be good....no ATM fees and it gives u a Visa Debit Card which can use in more places (including over the counter purchases) than say a regular debit card which can only be used at Cirrus and Maestro ATMs. Though I wonder what the exchange rate charge will be like???? Also, if you deposit $5000 each month, it's free. Though can someone tell me, do you need at least $5000 in there during the month....what prevents someone from depositing $5000 in there to get the no monthly fees and then withdrawing $5000 a day latter back to a high interest online savings account??? Do you think there's any catch with this Gold Banking?