australian banking system (3)

besides big four australian banks, there are also several other banks, some are regional banks and some are international banks.
there are a lot of regional banks such as Macquarie banks, bank of Queensland, St George Bank. but M &A are very common between these banks. Adelaide Bank is merged another banks last year, and Westpac bank looks like acquire St George bank, i think. these banks interest rates are various, due to fierce competitive in banking market, these banks' term deposit interest rates are commonly higher than the big four banks. Macquarie bank is a famous bank, but i have not seen that bank in VIC. from the textbook, i know that Macquarie is the biggest investment bank in Australia, and in 2008 or 2009, the CEO of Macquarie bank earned 30 million, that's the highest paid to CEO i have ever heard. 30 million, so much money. and if i remeber correct, i think that in 2008, Macquarie totally paid for the directors for more than 1000 million. the salary paid by Macquarie is higher than any big four banks. and almost all the regional banks have the same services as big four banks.
another type is international banks, such as HSBC, Citibank. there are few branches in Australia, but these two banks are bigger than any Australian banks. LOL. one of the Citibank branches is in Chinatown, just opposite the ANZ, the term deposit interest rates of Citibank are always higher than ANZ. but i do not have account in Citibank, so i never have a term deposit in Citibank. there is a branch of Bank of China in Melbourne, but i never been there, but i have a credit card of that bank, my only credit card. through the assignment of AFF 5050, i heard that there is a branch of Standard Chardard Bank in Melbourne, but i never see it.
i do not know whether it is a correct statement, i wanna say that BPAY and EFTOPS are very useful and convenient sevices provided by the banks. u can pay almost all the bill via BPAY without fee. BPAY is very easy to be used, just log in your online bank system, there is a option call BPAY, then start to use it. in Australia, u can pay your bill in post office too, but there are always a long line in there, so BPAY is a good choice for us to pay the bill. EFTPOS are everyone, although the machines belong to different banks, there is no fee for you to purchase, the shops take care of it. but in same circumstance, there is a surcharge for using credit card. if you use credit card, you can push the saving buttom on the machine, u can avoid the surcharge.