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Welcome to Westpac, Thank you for completing an application to open a Westpac bank account. We've received your application and are processing it now.
Please read a copy of Personal Accounts Terms & Conditions and Personal Accounts Fees & Charges
Within 15 business days your new bank account number and some information about your account will be sent to you in the post. If you do not receive your bank account details within this time, please email us at migrantbank@westpac.com.au
15工作日内，阁下将收到有关新账户的信息【小树熊注：网上登记时，申请人被要求提供国内的联系地址，这个地址Westpac用于发Paper Mail给申请人】。如果你在这段时间里没有收到你的账户明细，请发email联系我们。migrantbank@westpac.com.au
Did you know that before you arrive in Australia we may be able to assist you in applying for certain Westpac credit cards, home loans and foreign currency accounts? If you'd like more information please see our Frequently Asked Questions (FAQ) below To activate your bank account and transact on your account in Australia you will need to follow these two steps:
1) Activate your Westpac bank account
激活你的银行账户
When you receive your bank account number in the post you can start banking with Westpac. To activate your account you need to transfer funds into your account via telegraphic transfer. You will need to transfer funds within 30 days of the account being opened or your account will be automatically closed.
当你收到银行帐号，你就可以交易了。你须要通过电汇把资金汇入你的账户以激活它。你必须在30天内存入资金到你的账户，否则它将会撤销。【小树熊注：这30天是从你在网上提出申请算起的，而不是你收到Paper Mail开始算起】。
Before you arrive in Australia you can deposit funds into your Westpac bank account as often as you like. However, you will not be able to transfer or withdraw funds out of the account until you have provided us with proof of your identity at one of our branches. 在你到达澳洲之前你随时都可以往你的账户里存钱。然而，在你提供有效身份证明文件给我们的分支机构【小树熊注：这个操作Westpac叫“Identification Check”】之前，你是不能从账户中转出或支取资金。
2) When you arrive in Australia
当你抵达澳大利亚
On your arrival, you will need to provide us with proof of your identity, as required by Australian legislation. At the Westpac branch where your bank account was opened, our Migrant Banking staff are ready to assist you. If you visit them within 6 weeks of arriving in Australia, your passport is the only identification you need.
当你抵达澳大利亚后，你须要给我们提供有效身份证明文件，这是澳洲法律规定的。在你开户的西太平洋银行分支机构，我们的同事将准备就绪为你服务【小树熊注：网上申请时，申请人被要求提供一个落脚地的城市名，估计申请人的账户就会开到所提供的城市的某个办事处】。如果你在抵澳6周内找他们，你只须要提供护照做为身份证明。
If you have been in Australia for more than the 6 weeks, you will need to comply with our standard identification requirements and provide identification documents worth "100 points". This means showing us your passport and additional identification.
如果超过6周，申请人要提供“100分”的文件以证明身份——护照以外，还要其他东西【小树熊注：如medicare，驾照等等】
We would like to take this opportunity to thank you for choosing to bank with Westpac.
We hope you have a safe and enjoyable trip to Australia. See you soon!
Frequently Asked Questions:
1. Before I arrive in Australia, how do I transfer funds into my Westpac bank account?
如何在抵澳前把资金转入我的银行账户
Please provide your local bank or forex dealer with the following details:
Westpac's Swift Code - WPACAU2S (Australia does not use IBANs)
Your BSB number
Your account number
Your banks name - Westpac Banking Corporation Australia
给你的本地汇出行提供以下资料：
西太平洋银行的swift code -- WPACAU2S
你的BSB号码【小树熊注：Bank State Branch，相当于网点号，谢谢Far】
你的帐号【小树熊注：当然是西太平洋的帐号了，我想】
你的汇入行名——Westpac Banking Corporation Australia
2. How much does it cost to transfer funds into my account?
汇款的费用
Please check with your local bank or forex dealer for their charges. Westpac will charge an AUD8.00 receiving fee.
本地的汇出费用请咨询汇出行。西太平洋将对每笔交易收取8澳元的手续费。【小树熊注：已经增加到A$10了】。
3. How can I be sure my funds have arrived safely?
如何确认我的资金已经安全到账
You can register your personal accounts for Telephone & Internet Banking by calling +612 9293 9270.
Once registered, you will be able to contact Telephone Banking or access Internet Banking to confirm your funds have arrived. Before you have provided identification at one of our branches, your access will be limited to 'View Only' and you will be unable to make any withdrawals (debit transactions) from your bank account.
你可以致电+612 9293 9270，以你的个人帐号注册电话银行和网上银行。
只要注册成功，你就可以通过电话银行或网上银行查询确认你的资金是否到账。在你提供有效身份证明给我们的分支机构（以激活账户）之前，你只能查看你的账户余额，而不能支取或转出账户里的资金。
4. My bank account has been opened at a branch that is not convenient for me to visit, can I complete the identification check at another Westpac branch?
我的账户开立在一个我不方便前往的网点，我能在其他的网点办理激活的业务吗
It is always best to complete your identification check at the branch where your account is held as we have dedicated Migrant Banking staff ready to assist you.
If, however, you must visit another branch to complete your identification check, please ensure you take along your Welcome Letter.
我们建议你最好还是到账户开立的网点去激活你的账户，那里会安排专人为您服务。
然而，如果你必须要到其他的网点来完成激活，请记住带上你的Welcom Letter。
5. Can I apply for a credit card?
我能申请信用卡吗
If you can prove you'll be earning $15,000 or more per year in Australia or you have a balance greater than $300,000 in a Westpac bank account, you may be eligible to apply for a credit card* prior to your arrival. Proof of income could be an offer of employment in Australia or current bank statements showing interest income. We'll need copies of your passport & visa to assess your application. For more information on the eligibility criteria and Westpac credit cards on offer, visit the Westpac website at www.westpac.com.au, click on 'International' under the Main Menu, then select 'Moving to Australia’. Information on Westpac credit cards and an application form can be found under 'Arrange your banking before leaving home'.
如果你能证明抵澳后有1万5千或以上澳元的年收入，或者你的账户余额超过30万澳元，你就有资格在抵澳前申请信用卡。收入证明可以是澳洲雇主的聘书或者能体现利息收入的银行存款证明。你还须要提供护照以及签证的拷贝。关于更详细的标准和更多西太平洋银行信用卡方面的信息，请访问我们的官方网站。点击主菜单上的‘internation’，选择‘Moving to Australia’。有关西太平洋银行信用卡业务方面的信息和申请表可以在‘Arrange your banking before leaving home’找到.
6. Can I apply for a home loan?
我能申请住房贷款吗？
If you would like information on home loans* or the eligibility for pre-approval before you arrive in Australia, please visit the Westpac website at www.westpac.com.au, click on 'International' under the Main Menu, then select 'Moving to Australia’. Information about Westpac home loans and an application form for pre-approval can be found under 'Arrange your banking before leaving home'.
如果你希望在抵澳前了解住房贷款或the eligibility for pre-approval【小树熊注：不会翻译 ，怕误导大家】的相关信息，请浏览我们的官方网站。点击主菜单上的‘internation’，选择‘Moving to Australia’。有关西太平洋银行住房贷款方面的信息和审批申请表可以在‘Arrange your banking before leaving home’找到.
7. Can I open a foreign currency account?
我可以开立外币账户吗
If you have a minimum balance of AUD 50, 000 or equivalent and would like to open a foreign currency account in order to keep some funds in a foreign currency please visit the Westpac website at www.westpac.com.au, click on 'International' under the Main Menu, then select 'Moving to Australia’. Information about the foreign currency account and an application form can be found under 'Arrange your banking before leaving home'.
如果你拥有不少于5万澳元的等值外币资金，你可以开立外币账户来存放。请浏览我们的官方网站，点击主菜单上的‘internation’，选择‘Moving to Australia’。有关西太平洋银行外币账户方面的信息和申请表可以在‘Arrange your banking before leaving home’找到.
*credit card and home loan applications are subject to Westpac's normal lending criteria.
信用卡和住房贷款的申请遵从西太平洋银行的普通借贷标准。
The information in this e-mail is factual only. It does not constitute financial product advice. Before acting on this information you should seek independent financial and taxation advice to determine its appropriateness to your objectives, financial situation and needs. Information current as at 26 June 2007.
由于水平有限，以上翻译有不准确的、误导的地方，请指正。我会马上更正，以免误人子弟。
[ 本帖最后由 小树熊 于 3-3-2008 11:47 编辑 ] |
发表于 3-2-2008 13:15:32
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楼主
发表于 3-2-2008 17:44:20
发表于 9-2-2008 21:46:17
）。开始我让LD打，沟通倒是没问题，可是当Westpac客服MM知道打电话的人跟账户的主人不是一个人的时候，她就礼貌的拒绝了LD。LD解释说账户的主人E文不好，MM就让我们等，她把线切到会讲中文的客服那里。这一等就是5分钟，看着电话费哗啦啦的流失，我不耐烦的挂了电话。。。。。。后来，经过一番挣扎，我终于鼓起勇气，用我那蹩脚的E文，再打了一次电话。幸亏LD拔刀相助，两口子一人左耳朵一人右耳朵，夹着电话就上阵了。。。。。最后，我们成功了。我们从客服MM那获取了我的Customer Number和网上银行的初始密码。然后第一次登陆，被强制更改了密码后，我就可以访问我的账户了。网上银行的密码不是敲电脑键盘输入的，而是在网页上有个屏幕键盘，字面都是大写。我们当时不了解，还问客服MM初始密码的字面是大写还是小写，MM说没关系，进去看看就知道了。
。所以奉劝各位看官，开一个Westpac Choice就行了（它是必开的），Max-i Direct到时再开不迟（它是可选的）。2天后，上网查询，钱到账了。
晕了这么麻烦。对我来说简直是个大难题。。有其他简单的方法吗
带现钱应该是最不麻烦的。