Open banking is supposed to address that, but I don't know where...

Open banking is supposed to address that, but I don't know where it is all at. I would not be surprised if the big four are still dragging it all out.

As to the SPP. Unfortunately I didn't participate as I am over invested in stocks at the moment. Someone mentioned not having received the SPP offer docs in the mail. Do not wait for the mail. It only comes three times a week these days if you are lucky. You can log into the share registry and download the docs and you can change your communication preferences to email at the registry too. I am in one company and they were so massively oversubscribed that they closed off the SPP before punters even received the offer docs in the mail. If I am dead keen to participate in the SPP I log into the share registry to download the offer form the morning the offer is advertised to open and B-PAY the funds right away.