At in1bank, our mission is to be a trusted, secure, and innovative digital-first bank—reimagining everyday banking for a diverse and globally connected Australia. By delivering convenience and value, we empower Australians to stay ahead of the curve.
By going digital and reducing reliance on branches, paper, and plastics, we’re also doing our part for a more sustainable future. That’s why we don’t invest in or lend to the fossil fuel industry.
合壹银行是澳大利亚首家双语数字银行，致力于成为值得信赖、安全可靠且富有创新精神的银行品牌。我们专为多元背景、与全球紧密相连的澳大利亚人提供便捷、高价值的数字化银行服务，并为在澳华人打造贴心、专业的本地银行体验。
作为一家数字银行，我们积极践行可持续发展的承诺，努力减少对实体网点、纸张和塑料的依赖。同时，我们坚守责任投资原则，不投资或贷款于化石燃料行业。
We’re committed to delivering greater banking experiences to our clients and all Australians. These are the values that inspire and drive us:
我们致力于为所有澳大利亚人提供优质的银行服务体验。以下是激励我们不断前行、驱动我们持续创新的核心价值观：
We believe in doing the right thing, being professional, and keeping our promises.
我们坚信，必须以正直为本、以专业立身，并以实际行动兑现每一个承诺。
We take responsibility for our actions and always strive to do what’s right
我们以责任为本，始终坚持在每一件事上做出正确的选择。
We believe in being open and honest, so our customers always know what to expect
我们坚持坦诚与诚信，信息透明公开，让客户清楚了解所能期待的一切。
We stay flexible and move quickly to meet our customers’ changing needs.
我们灵活应变，迅速响应，积极满足客户不断变化的需求。
We put our customers first and are always here to lend a helping hand when needed.
我们始终秉持客户至上，随时为您提供专业支持。
We’re not backed by any of the big financial institutions in Australia—just a small group of passionate bankers with years of experience who saw what was missing in traditional banking and shared a dream to build a new kind of digital bank for Australians from diverse backgrounds.
in1bank was founded in 2019 with a vision to make banking more relevant, inclusive, and customer-focused, particularly for the under-serviced segments of the market. We were initially licensed by APRA in December 2019 as a Restricted Authorised Deposit-taking Institution (ADI). On May 25, 2023, APRA upgraded our license, allowing us to operate as a full ADI under the Banking Act 1959. In 2025, we joined Australia’s open banking system, with the goal of expanding our services to benefit all Australians. in1bank is also a member of the Australian Financial Complaints Authority (AFCA).
As a fully licensed ADI, customer deposits with us are guaranteed up to $250,000 per account holder under the Australian Government's Financial Claims Scheme.
合壹银行是一家独立运营的澳洲本地银行。我们的创始团队由一群经验丰富、充满热忱的银行家组成，他们深刻洞察传统银行的不足，怀揣共同愿景，致力于为来自多元文化背景的澳大利亚人打造全新的数字化银行体验。
合壹银行成立于2019年。同年12月，我们获得澳大利亚审慎监管局（APRA）的批准，成为有限授权存款机构（Restricted ADI）；2023年5月25日，牌照正式升级为完全授权存款机构（Full ADI）。2025年，我们加入澳大利亚开放银行系统，不断拓展服务范围，惠及在澳每一位客户。合壹银行也是澳大利亚金融投诉局（AFCA）的成员。
作为一家在澳洲获完全授权的存款机构，我们的每位账户持有人的存款均享有高达25万澳元的政府保障。
At in1bank, every customer matters. Whether you’re new or have been with us for years, we’re committed to delivering lasting value and supporting you every step of the way.
在合壹银行，我们重视每一位客户，无论新客或长期支持者，始终致力于持续创造价值、全程陪伴。因此，我们的优惠活动对所有客户一视同仁。
Bank on your terms—open accounts anytime, anywhere; customize your account number and set your own terms for deposits; and stay in control.
按您的方式掌控银行服务——随时随地轻松开户，自定义账户号码，自主设定定期存款期限；全面掌控，尽在您手中。
At in1bank, we make it easy for you to save and earn interest—no hassle of moving funds or locking your money away.
在合壹银行，储蓄轻松简单——无需频繁在不同账户间转账，无需完成消费任务，资金一存即可获得优厚利息。
James Tong is the Co-founder, Chief Executive Officer and Managing Director of in1bank Ltd, bringing over 30 years of experience in banking and finance, including more than 22 years at BNP Paribas Australia & NZ group with various senior roles . He is passionate about digital innovation and expanding financial access for all Australians particularly the under serviced segments of the market by focusing on convenience, value and security.
James Tong 是合壹银行的联合创始人、首席执行官兼常务董事，拥有逾 30 年银行及金融行业经验。其中，他曾在法国巴黎银行澳大利亚及新西兰集团（BNP Paribas）工作超过 22 年，担任多个高级管理职位。他热衷于数字创新，致力于通过提升便利性、价值与安全性，拓展金融服务的可及性，尤其关注澳大利亚市场中金融服务相对不足的群体。
Alnoor Premji is the Chief Risk Officer at in1bank Ltd and a founding director with over two decades of experience in finance, risk management, and operations. He has held senior leadership roles at BNP Paribas, including Deputy CEO, CRO and CFO, and has extensive expertise in managing risk, compliance, and strategic growth across global markets. Alnoor is also a director at several financial services firms and is known for driving operational excellence and risk oversight in complex, evolving environments.
Alnnor Premji 是合壹银行的首席风险官兼创始董事，拥有逾二十年金融、风险管理及运营经验。曾在法巴银行（BNP Paribas）担任副首席执行官及首席财务官等高层职务，在全球市场的风险控制、合规管理与战略发展方面具备深厚专业能力。现亦出任多家金融机构董事，以卓越的运营推动力和在复杂环境中的风险监管见长。
Franck Demoiseau is the Chief Information and Technology Officer of in1bank Ltd, leading the bank’s technology strategy to drive innovation through scalable, secure, and customer-centric solutions. With over 20 years of international experience in IT, operations, and digital transformation, he has held senior leadership roles, including serving as Asia Pacific CTO of BNP Paribas and COO of BNP Paribas Australia & NZ.Known for his visionary leadership and deep technical expertise, Franck is committed to building agile, future-ready financial services platforms.
Franck Demoiseau 是合壹银行的首席信息与技术官，负责制定并推动银行的技术战略，通过可扩展、安全且以客户为中心的解决方案引领创新。拥有逾20年国际IT、运营及数字化转型经验，他曾任法巴银行（BNP Paribas）亚太区首席技术官（CTO）及澳大利亚与新西兰首席运营官（COO）等高级管理职位。Franck 以其卓越的远见与深厚的技术专长著称。
David Greenwood is the Chief Operations Officer at in1bank Ltd. Prior to this, he served as Head of Virtual Banking at Westpac and held several senior management roles across Westpac and St.George Bank. David has a strong background in executive management, product development, and customer service excellence, with over 20 years in the Australian banking industry. He is focused on driving operational excellence and enhancing digital banking experiences.
David Greenwood 是合壹银行的首席运营官。在此之前，他曾担任 Westpac 银行虚拟银行业务的总负责人，并曾在 Westpac 与 St.George Bank 担任高级管理职务，包括新南威尔士州及首都领地的房贷业务州经理。David 在银行管理、产品开发及客户银行体验方面拥有深厚的专业背景，在澳大利亚银行业拥有逾20年的丰富经验。他专注于推动运营效率，持续提升数字化银行的客户体验。
Yu Zhang is the Chief Financial Officer of in1bank, bringing over a decade of experience in finance, tax, and corporate advisory. He plays a key role across finance, strategy, and regulatory functions, with deep expertise in scaling operations within regulated environments to support the bank’s mission of delivering innovative, customer-centric solutions. Yu is a Chartered Accountant with an academic background from leading institutions in Australia and the United States.
Yu ZHANG 是合壹银行的首席财务官，拥有逾十年金融、税务及企业顾问领域的丰富经验。他在财务、战略和监管等关键职能中发挥着核心作用，擅长在受监管环境下推动运营规模化发展，积极支持银行实现其提供创新且以客户为中心的解决方案的使命。张宇是一名特许会计师，曾就读于澳大利亚和美国的知名学府
John Frangulis is the Treasurer, responsible for overseeing the bank’s balance sheet, managing capital, funding and liquidity while ensuring compliance with regulatory requirements. With extensive experience in retail banking and treasury, John brings deep expertise across asset and liability management, foreign exchange and debt/capital markets. Prior to joining in1bank, John served as Treasurer at Bank of Sydney and held senior roles at Delphi Bank and Société Générale.
John Frangulis 是合壹银行的财务主管，负责监管银行资产负债表，管理资本、资金及流动性，同时确保合规性。John 拥有丰富的银行和资金管理经验，精通资产负债管理、外汇以及债务与资本市场。在加入合壹银行之前，他曾任悉尼银行（Bank of Sydney）财务主管，并在 Delphi 银行及法国外贸银行（Société Générale）担任高级管理职务。
Brad Dixon is the Head of Operations at in1bank Ltd, bringing over 30 years of experience in banking operations, treasury, and service delivery. Prior to joining in1bank, Brad held senior leadership roles at Police Bank and Rabobank. His expertise spans both domestic and global banking environments, with a strong track record in regulatory compliance, systems implementation, and operational efficiency. At in1bank, Brad leads the bank’s operational strategy, ensuring seamless, secure, and customer-focused service delivery.
Brad Dixon 是合壹银行的运营主管，拥有超过30年的银行运营、资金管理及服务交付经验。加入合壹银行之前，Brad 曾在Police Bank 和 Rabobank 担任高级管理职务。他在国际澳洲本地银行环境中均具备丰富经验，擅长监管合规、系统实施及提升运营效率。在合壹银行中，Brad 负责领导运营战略，确保服务顺畅、安全且以客户为中心。
Brenton Baker is the Chief Information Security Officer at in1bank, bringing over two decades of expertise in cybersecurity, IT/OT infrastructure, and risk management. Brenton leads the development and implementation of the security program at in1bank, protecting banking services, customer data and responding to emerging threats. Prior to joining in1bank, Brenton founded several technology ventures and has held high-performing executive roles in global organisations.
Brenton Baker 是合壹银行的首席信息安全官，拥有超过20年的网络安全、IT/OT基础设施及风险管理经验。Brenton 负责领导合壹银行安全项目的开发与实施，保护银行服务和客户数据，积极应对新兴网络威胁。在加入合壹银行之前，Brenton 创立了多家科技企业，并曾在多家国际公司担任高管职位。
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