Or they were initially started by the big banks anyway. It's funny, when we moved to Australia we opened a joint NAB account. My wife still had a Citibank accou

Or they were initially started by the big banks anyway. It's funny, when we moved to Australia we opened a joint NAB account. My wife still had a Citibank account. Shortly thereafter NAB bought Citibank, now we had two NAB accounts. Then we opened a Ubank account for better interest and turns out that one is also owned by NAB. Can't escape them...