Have accounts which are secure to use for online money transfers, deposits and direct debits.

I have a Commonwealth Bank NetBank Saver account and it is an excellent account to have if you are an internet buyer/seller. It is a more secure option as a secondary, additional account if you are an online seller (not that any online banking is secure, but as secure as one can hope for!), such as with Paypal etc, preventing one from having to give unknown companies ones principal account number; i.e. if you are cheated you don't lose absolutely everything! This is an account that can only be accessed by transferring the money directly out of it and into your main account. Designed as a savings account, this makes an excellent holding account and secondary direct debit/deposit account for online transactions particularly as it has no monthly fees.