Worst banking experience. Be aware that AMP are still in the dark ages with technology. They do not offer the ability to resolve" issues" online or over the phone. This means they can lock you out of your accounts so you have no access to your money, not notify you, and when you call will give no explanation and you have to instead wait for a letter by post to explain what is happening. And then you will need to complete what every they request in the letter, and send it back by post. This can take a long time, and so you can be left without money for as long as it takes. If you call you will just be told it is their process, and not even the management will bother to call you back, as it is just their process, you can lodge a complaint to their complaint department and they will get back to you in 21 days, but I have been told unlikely to help as this is just their process and it is somewhere in their T's & C's. Really scary that a bank can hold your own money for ransom and offer no explanation. I set up a saving account and deposited $60k straight away not realising you can't earn any bonus interest for the first month, when I tried to transfer my money back to my other bank I was unable to transfer. What can I do? Apparently nothing, it is their process. Still waiting for the letter to arrive one day so I know what is happening. I will be lucky if it only takes 4 weeks for the process to be resolved and to be given access to my money again. Madness! But this is AMP's process, be warned!