Hi. I'm looking for an account where I can withdraw the interest earnt from that account without being penalised. ING and UBank were looking good. But I can't use them because I am a sole trader (who earns a very small amount of money). So, does anyone know an account that I can open? In the meantime I'll continue looking. Oh and if someone can explain why sole traders can't use these types of accounts, that would be good too. Thanks.