The bank details are there so that you can transfer from your Internet Bank Account to your actual Real Life one, that way you can actually use the money you make on eBay sales and so forth. Its a really good method of money transfer

I have it + fully verified, but I have jack shit money and live in another state, so I cant help sorry

just thought I'd fill you in on the above thing ^
p.s. I only have an ANZ savings account and I use that, you don't need a CC as someone else stated that you did.