Article library · AU & EU money
All finance guides from FINOV Finance Hub
Browse all our educational articles on banking, credit scores, savings, and everyday money for readers in Australia and Europe. Use the filters to narrow down topics by category or region.
Beginner’s Guide to Credit Scores in Australia & Europe (2025 Update)
A clear, beginner-friendly explanation of how credit scores work in Australia and Europe, what affects them, and how everyday financial habits can influence borrowing assessments in 2025.
Choosing a Low-Fee Bank Account in Australia (2025 Checklist)
A practical 2025 checklist explaining common Australian bank account fees, what to look for when opening an everyday transaction account, and how fee structures work.
Understanding EU Banking Fees as a New Resident (2025 Guide)
A 2025 beginner-friendly guide explaining common European banking fees, SEPA transfers, ATM withdrawal costs, and currency conversion charges for new residents and international arrivals.
ETF Investing for Beginners in Australia & Europe (2025 Guide)
A beginner-friendly 2025 guide to understanding how ETF investing works in Australia and Europe, including structures, fees, risks, and how ETFs differ from other investment options.
High-Interest Savings Accounts in Australia & Europe (2025 Overview)
A 2025 overview of how high-interest savings accounts work in Australia and Europe, including common features, rate structures, fees, and factors people compare when choosing an account.
How to Build a $1,000 Emergency Fund (Australia & Europe 2025 Guide)
A simple 2025 guide on how people in Australia and Europe can build a $1,000 emergency fund using realistic weekly or monthly contributions, visual planning blocks and practical budgeting ideas.
Best High-Interest Savings Accounts 2025 (Australia & Europe)
A 2025 guide explaining how high-interest savings accounts work in Australia and Europe, with safe wording, visual comparisons and practical tips for growing savings faster without taking unnecessary risks.
How to Save $200 a Month Without Changing Your Lifestyle (Australia & Europe 2025)
A simple 2025 guide showing how people in Australia and Europe can save around $200 a month without major lifestyle changes using small habit tweaks, clever payment timing and automatic savings.
How to Improve Your Credit Score Fast (Australia & Europe 2025)
A clear 2025 guide explaining how people in Australia and Europe can improve their credit score fast using simple steps, score understanding and everyday habits without complicated financial language.
How to Save Money on Groceries in 2025 (Australia & Europe) – 10 Grocery Swaps
A practical 2025 guide showing how people in Australia and Europe can save money on groceries using simple swaps, small habit changes and smart food planning without sacrificing enjoyment.
Euro-Area Records €23 Billion Current-Account Surplus (September 2025 Explained)
In September 2025 the euro-area recorded a €23 billion current-account surplus. This explainer breaks down what that means, why the surplus matters and how it can affect everyday savers and long-term investors in Europe and Australia.
Europe Savings Rates Surge: Best Accounts Paying 4–6% (Nov 2025 Update)
European savings rates have jumped to their highest level in over a decade, with some banks offering 4–6% returns. This guide breaks down the top accounts, risks and how to choose the best option.
2025 Mortgage Rate Cuts: Should You Refinance Now? (AU & EU Analysis)
Mortgage rates in Australia and Europe have fallen to their lowest levels since mid-2024. This detailed analysis explains why rates dropped, who benefits most from refinancing, potential savings, risks, and timing strategies for homeowners.
Australia First Home Buyer Grants 2025: Full Guide, Amounts and Eligibility
A complete 2025 guide to Australian first home buyer grants including state-by-state amounts, eligibility, income limits and practical steps to claim them.
EU Credit Card Fee Regulation 2025: Lower Charges and New Consumer Protections
The European Union has introduced new credit card fee rules in 2025 that reduce merchant charges and strengthen consumer protections. This guide explains the changes, who benefits and how they may affect interest rates and rewards programs.
Australia Cost of Living 2025: Food, Rent and Fuel Changes Explained
A detailed 2025 cost of living update for Australia including food prices, rent changes, fuel costs and household spending pressures based on ABS and RBA data.
AI-Driven Banking 2025: How Artificial Intelligence Is Reshaping Finance Across US, EU & Australia
Artificial Intelligence is transforming banking and finance in 2025. From US fintechs and EU regulation to Australia’s superannuation funds, this article explores how AI is being adopted, the opportunities, the risks and what investors and consumers should watch.
Best High-Interest Savings Accounts Australia 2025: Rates, Conditions and Traps Explained
A data-backed comparison of some of the highest-rate savings accounts in Australia as at late November 2025, including bonus conditions, balance caps and key risks you should understand before chasing a headline rate.
Australia’s Help to Buy Shared Equity Scheme 2025: Complete Guide for First Home Buyers
The federal Help to Buy shared equity scheme launches in December 2025. This guide explains how the 2% deposit works, who is eligible, how the government’s 30–40% equity stake is structured and the key risks to understand before you apply.
ECB Interest Rates 2025–2026: What It Means for Eurozone Savers and Borrowers
The European Central Bank has signalled that rates are likely to stay around current levels through 2026. This guide explains what a long pause in rates means for savings accounts, mortgages, personal loans and everyday money decisions across the euro area.