Bank Australia is also a member owned bank formed from a credit union.

What internet banking features are important to you?

What services do you want? Transactions? DR card? CR card? Savings? International transactions? FX?

Also, you mentioned opening and closing accounts. How often do you do this? Some banks have a partitioning or savings goals that lets you subdivide accounts.

I use Macquarie as my mortgage ended up with them due to beat deal. Pretty happy with their online banking. Their agents have been average.

Inalsonuse revokut for overseas travel and transactioans. Pretty happy with the privacy features.

I use common bank as a back up as it allows me to use graphene os without Google service and still make payments with my phone.

I use NAB, they're shit. It's 2026 and they've only just started enforcing 2fa on me.

Hubby and I have been increasingly using our Up accounts. Up is a subsidiary of Bendigo Bank, and the app is the only way to do things.

Their setup is: Each of us was given our own account when we signed up. We've got physical debit cards for these accounts. You have the option to create a joint account with another user. By default this account only has a digital "debit card" but I think there's an option to request a physical card. From your two accounts (solo and joint), you can subdivide into "savers" which look and feel like separate savings accounts but on your statement they're rolled into the main account. You can have lots of savers if you want to. These can't have cards attached but earn interest. We use them to hold money for different purposes. I've never tried closing a saver so I don't know how that goes. I'm honestly not sure what the use would be in regularly opening and closing them. Just change the labels as you need to. Leave one empty while it's not needed; repurpose it next time you need a new one.

Everything is done through the app, and everything I've needed to do has been straightforward.

Tbh, it doesn't cost anything to open a bank account. If a bank you're considering doesn't have any monthly fees (Up doesn't, UBank didn't when I tried them a few years ago; maybe your other options don't either) then you can just make an account and try them out. A bank that is online like you want will let you sign up online. See if you can do the things you need to do online/in the app. If yes, you have a winner. If no, keep looking.

I'm with Bank Australia, their Internet banking is fine, the app is decent. 7.5/10.

With ING, happily their app works on graphene OS.

I would drop them as fast as possible if that changes.

I use macquarie bank, used to be with ubank but their savings rate only applies if you increase your balance over last month which sucked given i could get the same interest rate from mac bank with not silly condition to get it, when you dont increase on ubank it drops to like 0.35% instead of 5 or whatever

Mac bank has a pretty good app though missing some features from ubank like their bill predictor which i loved

Of those I've only used Ubank, they're the neobank arm of NAB. I don't use them anymore as they enshitified to the point of annoyance for me.

IMO ethical banking is an oxymoron. I run a few banks for resilience (one goes down for a few days, there's another) ; Macquarie, NAB, and WISE currently for different use cases but I've cycled through Ubank, Bankwest, Rabo, UP etal but it sounds like my use case is different to yours, so recommendations may not be as useful ?

Macquarie isn't too bad, they too have enshitified of course.

Lots of discussion here

https://forums.whirlpool.net.au/thread/36yyyqwm?p=3

Mystery bank suggestion:
Up Bank (Bendigo & Adelaide Bank)
Found this to be the absolute best for online banking.