ANZ

This is simply the worst credit card service imaginable For every credit card problem you ask them to solve, they'll only help you get deeper into trouble, without exception.

Pain to use. Have they not heard of usability testing? Seems to have been dreamed up by 18 year olds. And, yes, it was totally my fault, but… Read more

because I didn't transfer $100 from Everyday into Savings, I lost $750 in bonus interest. Why make it so painful? Better just to buy ANZ shares, yield is about the same as the bonus interest rate and at least there is the likelihood of capital gain.

Very poor service. ANZ processed my request after 42 days despite I requesting them to cancel my request almost immediately. Despite acknowledging… Read more

their operational errors in AFCA complaint, they never provided me with call recordings as requested and they take forever to respond- only after follow ups. Poor process and complaints management

I applied for small loan to do some repairs on my home before selling the house. It took 3 months to be completed. I was disgusted. When I have moved my business and home, I be changing banks!

Maximise Profits by Minimising Deposit Rate Increases – I have had a progress saver account for many years. ANZ is super fast at passing interest rate increases to borrowers and extremely slow at passing… Read more

them to deposit customers. Most competitors passed the November 2023 increase to their deposit customers late last month, but ANZ still hasn't passed it on over 1 month since the cash rate increased. You can get at least 0.25% more from nearly every other bank.

A ring.com subscription in Australia is considered a foreign transaction. The bank claims its processed outside of Australia so its foreign even… Read more

though the pricing is for ANZ. An air ticket purchased to fly overseas from Australia is considered a foreign transaction because the bank said the budget airline processed the transaction overseas. All these involved in AUD and without informing prior to purchase at the checkout, to be added post transaction. Never had an issue with my previous card issuer. All people watch out for these small hidden unexpected fees - if you dont check you wouldnt even know this is a thing with domestic spend. I think the ACCC need to clamp down on these fee add-ons post transaction.

Despite having a well established, long-term farming business with multi-million dollar turnover, apparently we don't qualify for a business credit… Read more

card. I'm not sure what businesses the ANZ criteria are designed to suit, but they clearly have no discretion to apply common sense and farming doesn't tick their box! I invested a considerable amount of time assembling the tomes of documentation required for the application. The portal for uploading documentation was glitchy. All in all it has been a lot of frustration without the desired outcome.

I checked with ANZ if they had ever charged me junk insurance as they were not allowed to do this and must refund anyone if they have charged this.… Read more

ANZ told me I hadn't been charged junk insurance. I lodged a check with Claimo and they came back and advised me a month ago that I had and that ANZ need to refund me $710. Claimo charge a search fee for this which is $233.28. I feel totally ripped off by ANZ, I contacted them to see if I had been charged junk insurance before I contacted Claimo but they advised I hadn't been. Claimo found out they had and now I am losing part of refund as I have to pay Claimo for their help. Also a month later still have not received the junk insurance refund from ANZ, currently on the phone to them trying to get it paid. So far spent 1 hour on the phone being directed to multiple people.

Cannot recommend this card for international travel if you need a dependable card. WHY: I was on holiday with my family in Europe over Christmas,… Read more

and the ANZ falcon technology falsely flagged my buying tickets to Disneyland Paris as a fraudulant transaction, leading to the card being blocked for use for the entire 4 week trip. POOR SERVICE: When i rang to get the card reinstated, the equally unhelpful and unfriendly ANZ contact person on the telephone helpline was unable to reinstate my card and expected me to recount every minutiae of previous bank transactions by heart while i was at a busy French train station on Xmas eve Dec 2025. If it hadn't had my Wise card on me as a backup, i would have not been able to pick up my rental car that evening and would have been stuck that night. I cancelled the ANZ frequent traveller black card as soon as i got back to Australia. Check out the final invoice ANZ sent me, too. It's for an interest of 93 cents. Ridiculous.

Fantastic customer service – On Wednesday 10th May 2023 afternoon I went into the Lilydale Branch and I asked Miranda if she could apply the fee waiver on the ANZ Access… Read more

Advantage if I showed them my Pension Concession Card and she said that was fine. I would recommend banking with them since they are extremely helpful with their customers.

I recently changed my credit card from an ANZ Frequent Flyer Black (FFB) to an ANZ First Credit Card as I couldn’t stomach the annual fee on the FFB… Read more

card any longer. At the point in time when I activated my new ANZ First Card, which de-activated the FFB card (since it was a change of card request), a fraudulent transaction was posted against the FFB card number. ANZ claims that this transaction was performed by someone cloning my old card (even though my card never left my possession and the transaction was posted in a different state). Seems very coincidental that this transaction happened at exactly the moment in time when I activated my new card, which de-activated my old card from Apple Pay/Apple Wallet. And there had been no other fraudulent transactions against this card up to this point in time. My suspicion is that there is an issue in the banking system whereby when a card is deactivated via activating a replacement card type, the deactivated card gets crossed with another cardholders card resulting in a transaction that is in the process of being posted, getting processed against the wrong cardholders card. So please beware when changing credit card types with ANZ Bank and check your account activity if you do to look out for erroneous transactions against your account. Note also that ANZ fraud protection is useless. I posted a POS transaction in my home location less than hour prior to the erroneous transaction being posted and the erroneous transaction was also POS in another state that is over 4 hours away by plane. So why wasn’t this picked up by ANZ as fraud and stopped?

Worst Bank I have ever dealt with. They continuously change their policies in favour of the bank and no consideration towards their customers. Be… Read more

careful if you open a rewards card, read their policy carefully as they make it hard for you to earn your rewards blacklisting you by the way you pay your bills.

Have been a loyal customer for 20 years but about to leave. Got $7k of fraudulent overseas transactions on my card 10 days ago ... ANZ did not notify… Read more

me, I notified them! Now it has been 10 days and they have still not reversed the transactions, so my card is overdrawn and unable to be used. Have called them 4 times already, they keep saying not to worry they will fix it in time.

Had storm damage to my house in March 8 months later it still hasn’t settled – They have questionable leak detectors opened the door to my house and sprayed water in there until it leaked through to my kitchen and said it wasn’t… Read more

storm damage … um my door isn’t open and I’m not standing with a hose in my house! and many assessors that will write what they want. (Although the independent engineer was good). My kitchen and bathroom and balcony had to be replaced entirely. Initially they tried to tell me it wasn’t due to storm damage. Eventually they accepted damage to the kitchen and the bathroom and they insist it is only worth 10k. I have new for old replacement. Tye tiler alone was more than 10k. They said they didn’t have to tell me how they came to this cost. I couldn’t afford alternate accommodation so stayed in another apartment I own which I would normally rent out and they indicated they didn’t have to reimburse for this accommodation expense… there is plenty more I could add to my experience it has been a very stressful year. I hope this review ensures people don’t get their home insurance with ANZ it is underwritten by qbe by the way … they take a very long time to get back to you on anything. My appeal is currently with ACFA, I know 8 months later the loss of rent and business (which they don’t cover) months later will not even come close to what I’ve lost and I still can’t live there. Please don’t buy insurance with them.

How can they blatantly change the conditions of the saver account I've changed to Macquarie bank exactly how it should be for savings reward account

Just stay away from ANZ – I am currently an ANZ customer and had a car loan with ANZ (through a broker) that paid off without any delay for 4 years, finished last month. This… Read more

month, I applied for another car loan to replace my old car with a new one. About the same loan repayment amount, same term but my income has been increased, asset increased and my home loan paid off, so no debit. My car loan (secured loan) was rejected for insufficient income after long waiting and providing many documents. So I quickly applied for another car loan on a different bank as I am in the middle of buying a new car and it is approved within 48 hours. I thought I have paid off previous ANZ car loan successfully plus being ANZ and more income that would make my second car loan application easy with ANZ however it was not the case for ANZ. ANZ has a strange non-sense system and there is no royalty being a banking customer. This simply add a negative credit application history on my Equipfax credit report. Previously I had the same experience with a personal credit card application. Approved from 2 banks right after ANZ rejecting my application. It is a funny and silly finance system from ANZ.

Unable to get through to anyone to cancel it and when we did it was CGU and even after explaining it was no longer required and asking for it to be… Read more

cancelled receiving written confirmation it wa not cancelled they kept debiting it. Dont deal with them

Horrendous customer service levels - don't do it – No customer service, 30+ min waiting on phone and still no one there. can't contact them any differently given account is closed.

I have been banking with ANZ, personal and business, since 1986. For the last couple of years I have been investing spare cash in a ANZ Term Deposit… Read more

for 3 months terms. My most recent Term Deposit matured just a few days after having delicate Nasal surgery with a hospital stay and all the usual expenses - ENT Surgeon, Anesthetist, Hospital Costs, MRI, Medications, etc, etc. Even though I have requested multiple times for my banking mail to go to our family PO Box, we discover a reminder letter in our home letter box about the Term Deposit maturing 2 days after the grace period for either re-investing or taking the money out. This all happened while I was recovering at home for nearly 2 weeks after the surgery. So I go into the bank and speak to the person I have been dealing with and the answer is , "it takes 31 days to do a Term Deposit Break" and get the money out. Then I ring ANZ and are told to email the ANZ Hardship Team. I send them an email straight away and get a generic response that, "they will consider my request and I will get the answer in 3-5 business days." That time ended 7 days ago and no "human" replies to 2 emails I sent. Only the generic, "I will get the answer in 3-5 business days". This is my own humble opinion (based on hard experience) - If you are doing great ANZ, "are here to help" If you are in trouble or having hardship. EXPECT A GENERIC EMAIL RESPONSE FROM ANZ! OR NO ANSWER....

ANZ than QBE than all the sudden CGU. Would not keep my money either in ANZ ever again – Absolute disgrace. They even hang up on us when calling on phone. My policy just been cancelled all cars ( always payed in time for 12 years since… Read more

walking in ANZ bank Torquay) They dropped an email saying ahh its QBE ok now few years later CGU than that was it bye your policy expired.(?) Can not find words to describe at all. Would give them no stars at all if possible. Actually good time to look around on the market..