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New offset is superior. MISA can still be linked to cards, but isn't transactional with withdraw limits and no direct credits or debits. EDO is transactional and you can have multiple. But agree it's not needed for everyone, those who don't want to pay $95 don't have to. But really it's...

Run some sums, might find you're better off having the funds in a online saver earning you interest. Ideally you want against a variable so 100% offset