As long as the people using it have the mindset to restrain themselves and fight the temptation to stop using it, then Wildcard has a solid idea and a solid chance of success. With no fees and the ability to use ATMs, transfer money to different AU bank accounts, and make purchases online, there’s plenty to entice new customers. The addition of a competitive interest rate paid for every dollar that sits in your account is further incentive to get customers saving – which, after all, is the heart and soul of why Wildcard was set up, to begin with.