Blog/News

Women and Property 2026 report findings   Cotality is a global leader in property information, analytics, and data‑enabled solutions. They recently conducted their sixth annual Women and Property Report, exploring property ownership by Australians across gender and age groups. Property ownership still follows a familiar pattern: the older people are, the more likely they are to own their home. Around three‑quarters of Baby Boomers are homeowners, either outright or with a mortgage. By comparison, only about a third of Gen Z have managed to enter the property market. When it comes to income, most young women and men fall under the $100k mark - but women are more concentrated at the lower end. Almost 30% of Gen Z women earn under $40k, compared with about 20% of Gen Z men. Younger women, in particular, don’t see home ownership as a top life priority the way older generations do. Whether that’s because of a discouraging housing market or simply different lifestyle values, owning a home just doesn’t hold the same weight for them. For those who have bought property, the biggest motivations were financial stability (40%), having secure living arrangements (39%), family needs (34%), and wanting to avoid renting (27%). Across the board, younger generations feel less prepared to buy a home - both financially and in terms of understanding the buying process. Two in five Gen Z women said saving a deposit was a major challenge, compared with about one in four women from older generations. When it comes to improving their homes, young women tend to focus on small, sustainable upgrades like LED lighting and draft‑proofing. In contrast, young men and older generations (often with higher incomes) are more likely to invest in bigger, costlier improvements like solar panels or insulation.   Cotality (2026). Australian Women and Property Report. Retrieved from https://www.cotality.com/au (subscription required)

9 ways to spot financial abuse – and what your customer-owned bank can do about it Financial abuse is a form of domestic violence where money is used to control, track or trap someone, and it occurs in nearly all cases of domestic violence.  Financial abuse may see victim/survivors lose access to their money, be manipulated into making financial decisions, or even be pressured to sign over documents or take on debt. Customer-owned banks are dedicated to disrupting financial abuse, and have joined forces with financial safety expert Catherine Fitzpatrick, Founder of Flequity Ventures, and other banks and finance firms to launch the Financial Safety Alliance.  “Everyone, including businesses and banks, has a role to play if we are going to meet the ambition of ending gendered violence in a generation,” Ms. Fitzpatrick said.  “Research shows that women are more likely to talk to their bank about economic abuse than to a specialist family violence service provider. This is because money gives you choices – to leave, to disentangle and to start again.”  Because financial abuse relies on control and secrecy, it is often hidden, leaving victims/survivors unaware they are being targeted.   Here are some of the warning signs of economic and financial abuse.    1. Total control of household income One of the most common signs of financial abuse is when one person assumes complete control over all household earnings, regardless of who earned them. They might decide how every cent is spent and force the other person to ask for an "allowance." This often involves withholding funds for basic necessities like food, medicine, or clothing, creating a state of total dependency.   2. Unauthorised accumulation of debt This occurs when an abuser opens credit cards or takes out loans in a partner's name without their knowledge or consent. They may also pressure someone to increase credit limits or force them to act as a guarantor for loans they cannot afford. This tactic leaves the victim legally responsible for debt they did not create, damaging their credit score and future financial freedom.   3. Misuse of joint accounts and assets Joint accounts are frequently exploited, especially during times of relationship strain or separation. A perpetrator might drain a mutual mortgage offset account or withdraw large sums of money without agreement. In other cases, they may refuse to contribute to mortgage payments or sell shared property without permission, effectively sabotaging the other person's housing security.   4. Digital surveillance and financial stalking Modern banking tools are sometimes weaponised to track a victim's movements and behaviours. An abuser might monitor purchase descriptions to figure out where a partner has been or what they are buying. They may also use the description fields in digital bank transfers to send abusive or harassing messages, turning a standard financial transaction into a tool for emotional harm. This was a tactic used by the first perpetrator to be jailed under NSW coercive control laws.   5. Exploitation and theft of personal funds This involves the direct taking of money that belongs solely to the victim. Examples include taking money from a partner's pension or superannuation without permission, selling their personal belongings without consent, or even failing to pay them for work performed in a family business. It is a direct violation of personal property rights designed to keep the victim broke.   6. Deliberate sabotage of employment and education To ensure a victim cannot become self-sufficient, an abuser may prevent them from attending work or getting a job. This can involve sabotaging their ability to attend important meetings, blocking access to education or training, or even harassing the person’s colleagues at their workplace. By destroying a person's career prospects, the abuser ensures they remain trapped financially.   7. Intentional financial neglect In this scenario, an abuser withholds financial support despite having the means to provide it. This includes neglecting to pay child support or refusing to contribute to household expenses. Often, they will force utility bills like electricity and gas into the victim's name only, ensuring that if the bills aren't paid, the victim’s credit is the only one destroyed.   8. Destruction of property and gambling Financial stability is also threatened through the physical destruction of property or the reckless use of shared funds. An abuser might damage or steal property to cause financial distress or gamble with money meant for rent and bills. These actions create a constant state of financial crisis that makes it difficult for a victim to plan for the future or escape.   9. Information withholding and account blocking A key element of control is the denial of information. An abuser may hide details about their own income or the total household wealth while simultaneously blocking the victim’s access to bank accounts. By keeping the victim in the dark about their financial reality, the abuser maintains a power imbalance that makes independent decision-making impossible.   Identified signs of financial abuse? Here’s how your customer-owned bank can help If you believe you are experiencing financial abuse, your customer-owned bank can provide various forms of assistance to help secure your finances. For example, they can look into suspicious activity by investigating any transactions that you did not personally authorise. They can also assist in updating your online banking credentials, contact information, and account PINs, to further protect your privacy and access.  Additionally, your bank can help you set up entirely new accounts or facilitate other banking services to ensure you have a safe and independent way to manage your money. Financial abuse can happen to anyone, and the abuser could be a partner, a family member, carer or friend. Remember, financial abuse is never your fault.  The Financial Safety Alliance, founded by social enterprise Flequity Ventures, brings together the Customer Owned Banking Association, the Australian Banking Association, the Australian Finance Industry Association and Arca. This alliance will help more than 200 banks and lenders to disrupt financial abuse through safer product and service design. Through this coordinated action, Australia is setting a new benchmark for how financial institutions can work together to prevent abuse and safeguard customers. More information here.

The Australian summer is almost here, and you can feel the heat building up. Whether you’re seeking an exotic beach escape or an adventure filled with vibrant culture, two dream destinations just a short flight away are calling your name: Bali and Thailand. If the beach, good food, and relaxation are what you’re after, it’s time to start planning that tropical paradise getaway! Here's your guide to Bali and Thailand’s best escapes, plus some smart tips to make your planning smooth and stress-free. 🌴 For Beach Lovers: Bali, Indonesia Perfect for: Beach clubs, tropical vibes, surfing and spiritual retreats Bali is the ultimate island paradise for those who want a mix of adventure and relaxation. From the buzzing beach clubs of Seminyak to the peaceful rice paddies of Ubud, Bali offers something for everyone. If you’re into surfing, the beaches of Uluwatu and Kuta are world-famous for their great waves. If you need some downtime, you can’t go wrong with a sunset drink by the beach, or a rejuvenating spa treatment surrounded by lush jungle. Travel Tip: Bali’s popularity means accommodation can book our quickly, especially around Christmas and New Year. But if you’re flexible with dates, you’ll often find mid-week availability. Use platforms such as Luxury Escapes for late deals, and don’t forget to pre-book transport (like airport transfers) to save time on arrival.   🏖️For Adventure Seekers: Thailand’s Islands Perfect For: Stunning beaches, lively nightlife, water sports, and unique cultural experiences Thailand’s islands, such as Phuket, Koh Samui, and Koh Phi Phi, are the ideal destinations for those who want a little bit of everything. You can snorkel in crystal-clear waters, trek through lush jungles, or enjoy the local nightlife in places like Patong Beach. The food scene is something else - delicious street food or enjoy fresh seafood right by the beach. Plus, the ancient temples and local culture will leave you in awe. Travel Tip: If you’re heading to the islands, consider booking flights or ferries ahead of time, as routes can fill up quickly during peak seasons. Some Travel Tips for Your Summer Holiday to Bali and Thailand: ✅Pack smart (and light): Bali and Thailand both bring the heat and humidity, so pack light and breezy clothing, plenty of sunscreen, and a trusty hat. Sunglasses are non-negotiable, and a light jacket will come in handy when the evenings cool down. Planning to visit temples? Be sure to bring modest clothing to cover your shoulders and knees out of respect for local customs. ✅Be flexible with travel dates: Mid-week departures and returns are often cheaper and less crowded. By shifting your dates, you can save on flights and avoid the weekend rush at popular destinations like Bali’s beaches or Thailand’s temples. ✅Go local: Some of the best experiences are found off the beaten path. Explore quieter beaches, local markets, or hidden temples. Supporting local businesses not only enriches your experience but also helps the community. ✅Get travel insurance: Make sure you’re covered for unexpected events, like medical emergencies, lost luggage, or cancellations. We partner with the award-winning PassportCard, Australia’s only travel insurance with instant payouts for common approved claims. Whether it’s a medical issue overseas, delayed luggage, or stolen cash, PassportCard can load funds onto your card so you can pay for common approved claims on the spot.   Find out more about PassportCard or get a quote for your next trip. * All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and other policy documentation, including the schedule. Terms and conditions of the PassportCard also apply.

Snow season stirs in Japan - and if you’re craving a getaway filled with snow-covered scenery, steaming hot springs, and heartwarming culture, Japan should be at the top of your list. From the powder-perfect slopes of Hokkaido to Kyoto’s serene temples dusted in white, Japan turns into a breathtaking wonderland during the colder months. Whether you’re chasing adventure on the ski fields, soaking in an onsen under falling snow, or exploring festive winter markets, Japan offers the ultimate mix of beauty, comfort, and magic this season. Here's your guide to Japan’s top winter spots, including the best ski resorts, must-see attractions, and why travel insurance is a must if you’re hitting the slopes. 🏔️For Snow Lovers: Niseko, Hokkaido Perfect for: Skiing, snowboarding, hot springs, and après-ski vibes If you dream of deep powder snow, Niseko on the island of Hokkaido is the ultimate winter haven. Known globally for its abundant and consistent snowfall, Niseko boasts world-class ski slopes, and the powder here is often hailed as some of the best in the world. Whether you’re a beginner or an expert, the resort offers plenty of runs and terrain for all levels. After an exhilarating day on the slopes, unwind with a relaxing soak in one of Niseko’s famous hot springs, and enjoy some hearty Japanese comfort food to fuel up for another adventure. Travel Tip: Book accommodation through platforms like Luxury Escapes, where last-minute deals can pop up, especially mid-week. Lift passes can be purchased online to save time on the mountain. ⛷️For Skiing and Snowboarding: Hakuba, Nagano Perfect for: Skiing, snowboarding, and breathtaking mountain scenery Habuka, located in Nagano Prefecture, is renowned for its excellent ski resorts. The area is home to a vast range of ski slopes, offering everything from groomed runs to off-piste powder snow for skiers and snowboarders. It is a destination that will never be forgotten due to its breathtaking mountain scenery. Enjoy Japanese après-ski delights, tour the stunning mountain villages and find the onsens in the area to relieve weary muscles after a day of skiing. Travel Tip: Look for last-minute discounts like Luxury Escapes on accommodation for a more authentic Japanese experience or make a reservation through ski package services that combine lodging, lift passes, and rentals. For Culture and Snow-Covered Scenery: Kyoto Perfect for: Temples, gardens, and peaceful winter walks Kyoto, Japan’s cultural heart, takes on an entirely new charm in winter. As light snow dusts its ancient temples and tranquil gardens, the city transforms into a serene wonderland. Wander through the peaceful pathways of Arashiyama, admire the snow-capped torii gates at Fushimi Inari Shrine, or warm up with a bowl of matcha in one of the city’s traditional teahouses. Kyoto’s winter beauty is subtle yet captivating — a slower, quieter side of Japan that invites you to pause and soak in the moment. Travel Tip: Visit Kinkaku-ji (the Golden Pavilion) early in the morning after a snowfall. Seeing its golden reflection glimmer against a backdrop of pure white is one of Kyoto’s most magical winter sights — and arriving early means you’ll enjoy it before the crowds appear. 🚨Don’t Forget Travel Insurance for Snow Sports Activities Travel insurance is crucial whether you intend to ski or snowboard, if you are going to Niseko for the powdery slopes or touring the beautiful villages of the Japanese Alps. Skiing may be dangerous, especially for people who are unfamiliar with the terrain, and accidents can occur on the slopes. Most travel insurance providers offer additional cover for snow sports and typically include things like: Snow sports covered Unlimited overseas medical treatment Snow sports medical and evacuation Equipment hires Pre-paid ski passes & equipment hire Piste closure Bad weather & avalanche closure   Final Tips for Your Winter Getaway in Japan: ✅ Pack for the weather: Layer up for warmth and bring waterproof gear for skiing. Be ready for cold mountain air and milder city temperatures. ✅ Get early ski passes: Save time by buying lift passes in advance to avoid long weekend lines ✅ Respect the culture: Follow local customs, like washing thoroughly before entering onsens or public baths. ✅ Get travel insurance: We partner with PassportCard, Australia’s only travel insurance with instant payouts for common claims* using the PassportCard . Snow sports is an optional cover. Medical issues in Japan, delayed luggage or stolen cash? PassportCard can load funds onto the card, so you can pay common claims on the spot. Find out more about PassportCard or get a quote for your next trip. * All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and other policy documentation, including the schedule. Terms and conditions of the PassportCard also apply.

Bank Orange is excited to announce our new partnership with Westfund to provide a health insurance that doesn't just do its job, but adds an extra level of care to its members.   About Westfund Westfund helped to forge the private health industry in Australia back in 1953 – with origins dating back to 1881. Westfund are a not-for-profit member-based health fund with offices in Orange, Bathurst, Lithgow and across Australia. They have member-first and community driven values and are a part of leading industry bodies; Australian Health Service Alliance, Members Health Fund Alliance and Private Health Australia.     Westfund have an exciting offer* for Bank Orange member -  a discount of 5% off the standard premium of eligible Westfund products.** *The offer is only available on the following products: Combined Hospital and Extras, Hospital Only **The offer is subject to payment by direct debit and proof of Membership. Offer not available on Ambulance Only, Extras Only or Overseas products. Not available in conjunction with any other offer. Discount will apply while a current MOU exists between Westfund and Bank Orange.   Find out more at https://www.westfund.com.au/corporate/bank-orange-5plus2mth/  

It’s a rite of passage for every Aussie to visit Bali at least once in their lifetime—and for most travellers, one Bali experience is enough to get them hooked for life! Before you embark on your Bali escape, it’s always good to find out a little about what you can expect so you know how to prepare for your trip and get the most out of the experience. That’s why we’ve pulled together this handy travel guide, filled with everything you need to know before you visit Bali. Best ways to experience Bali There’s so much to love about Bali. Without having to travel too far from Australian shores, Bali serves up a rich cultural experience with something for everyone. With so much on offer, it can be hard to know where to start when choosing what activities to include on your itinerary—but don’t worry, here are some top ideas of things to do in Bali that will make for an unforgettable experience. Practice yoga in Ubud - Having been practised in Bali for more than 1,000 years, many people travel to Bali every year with the sole purpose of practising yoga—and Ubud is the place to do it. The spectacular scenery alone can work wonders helping you to feel rested and restored Sip cocktails at sunset - There are plenty of great places to relax with a cocktail while taking in the beauty of a Bali sunset, but if you’re looking for one of the best and most iconic places to do it, Rock Bar in Jimbaran is seriously impressive Explore some of Bali’s ancient temples - Bali is home to many Pura (Hindu temples), some of which date back thousands of years. If you can, include a visit to temples like Tanah Lot, Pura Tirta Empul or Uluwatu Temple on your itinerary to experience some of Bali’s rich cultural heritage. Visiting Bali   Climate Bali can be beautiful to visit at most times of the year, but it is good to plan your trip around what you would most like to do while you’re there. Bali is generally warm no matter what time you visit, with temperatures typically ranging between 28°C - 32°C year-round. The climate in Bali is however separated into the wet and dry seasons, which could influence the type of activities you’ll be able to enjoy. The dry season runs from April through to October, making it an ideal time to travel if your idea of a Bali escape involves plenty of time spent outside. If you plan to visit during the wet season (from November to March), expect to encounter frequent downpours. Culture and language   Bali’s culture is richly steeped in a form of Hinduism called Agama Hindu Dharma which influences almost every aspect of the way the Balinese people live, with significant focus placed on achieving a harmonious balance between people, nature and religion. Balinese people are generally very warm and welcoming toward tourists. While the official languages in Bali include Bahasa Indonesia (Indonesian) and Basa Bali (Balinese), many Bali locals also speak some English which makes it relatively easy for Australian tourists to get by in most areas of the island. You shouldn’t have any issues communicating in English in hotels or restaurants. It is important to research and respect the local laws in Bali, as some things that might be acceptable in Australia are seriously frowned upon in Indonesia. Some activities (such as drug offenses) can attract very severe penalties, including the death penalty. Getting around   While Bali is geographically small in size, it is densely populated and traffic jams are common, particularly in the areas which are most popular with tourists. The roads can seem somewhat chaotic compared to Australian roads, and driving can be very challenging if you’re not used to the conditions. For this reason, most tourists opt to use either taxis or private drivers to get around. Motorbikes are another common form of transport in Bali. If you choose to hire a motorbike while in Bali, just make sure it comes with adequate vehicle insurance in case you have an accident. You’ll be pleased to know our travel insurance provides cover for claims that arise from the use of a motorbike, provided you wear a helmet and meet the local license requirements for the motorbike you are riding. If the motorbike is more than 125cc, you’ll also need to have a current and valid licence required for driving an equivalent rated Motorcycle in Australia. Accommodation   Bali offers a variety of accommodation options including everything from luxury hotels and private villas through to budget backpacker hostels. You may even choose to stay in a Losmen, which are basic guest houses run by local Balinese families. You’ll generally find that most of the accommodation in Bali is relatively affordable compared to what you might expect to pay in Australia when you consider the quality of the rooms and facilities and the level of service provided. Entry requirements   If you are travelling on an Australian passport, you can apply for an e-Visa on Arrival (e-VOA) no later than 48 hours prior to travelling to Indonesia. Alternatively, you can also pay for a Visa on Arrival (VOA) at Ngurah Rai airport in Denpasar (Bali’s international airport). It’s always a good idea to visit the Australian government’s Smartraveller website before your trip for the latest information and updates about travelling to Indonesia. Preparing for Your Trip Checklist   Ready for your Bali escape? Here’s a handy checklist to make sure you’re set for an unforgettable getaway: Check passport validity: Ensure it’s valid for at least six months beyond your departure date. Verify entry requirements: Confirm you meet Bali’s visitor entry requirements. Arrange travel funds: Set up a travel currency card or payment method and consider carrying some Indonesian rupiah (IDR) for cash-only spots. Notify your bank: Let your financial institution know you’ll be travelling. Review phone coverage: Contact your phone provider to check if your plan covers Bali or consider a pre-paid international SIM card. Book your accommodations and share travel details with someone at home. Get travel insurance: We partner with PassportCard, Australia's only travel insurance with instant payouts for common claims using the PassportCard Travel Insurance. Medical issue overseas, delayed luggage or stolen cash? PassportCard can load funds onto the card so you can pay for common claims on the spot. Find out more about PassportCard or get a quote for your next trip. * All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule. Terms and conditions of the PassportCard also apply.