been looking into neobanks in australia lately and honestly the options are pretty solid now. up bank has to be one of the best neobanks australia has if you just want something straightforward - their app is clean, no monthly fees, and they actually show you where your money goes. paired with bendigo & adelaide bank so it's legit regulated too.

if you want something with a full australian banking licence, alex bank is doing decent work. transparent, easy to set up, competitive savings rates. not as flashy as up but gets the job done for everyday stuff.

judo bank is interesting if you're running a small business - very different vibe from the personal banking neobanks, but their business loans and digital onboarding are actually pretty smooth.

then there's wise if you travel or do international transfers a lot. not really a full bank but the multi-currency stuff and exchange rates are unbeatable. and tyro if you're a merchant - integrated payments, business tools, quick setup.

so yeah, best neobank australia really depends what you need. personal banking? up or alex. business? judo or tyro. international? wise. all of them beat traditional banks on fees and speed though, that's the main thing. anyone else using these or have other recommendations?