There's no point but to utilise any reserves laying idle. There's essentially negative interest rates on a lot of these accounts. I don't have an Australian ban

There's no point but to utilise any reserves laying idle. There's essentially negative interest rates on a lot of these accounts. I don't have an Australian bank account, but someone I know who does discovered that her account pays no interest unless some transaction worth at least a dollar takes place once a month. With charges, this is negative. Better on the governments balance sheet rather than the banks. What are the savers doing with it anyway it seems.