Citibank

Been with Citi B for a very long time. It's been pretty good overall. Now that NAB have taken over they are a complete disaster with zero customer service or ability to interact. Its one problem after another. My advice is don't ever think about using them now. They are in a mess and you simply have to spend an enormous amount of time trying to… Read more

fix their incompetent take over. If you, like me are with them I wish you luck! This would be the worst Bank I have ever used now (and I use several).

I would give a lower score if it was possible. When Citibank transferred services to NAB they sent me a new card with the wrong name. Every time I tried to correct it the person on the phone treated me like a criminal. There is no such thing as customer service in this company. All they care about is profit. I have had nothing but trouble since I signed up with Citibank. Don’t make the same mistake.

This is the worst bank I have ever dealt with an absolute nightmare NO customer service NO ability to understand situations or instructions given by a customer, DONT EVER BANK WITH THIS SHOCKING EXCUSE FOR A BANK. Show details

Top bank stuck to their word – I have just returned from Turkey where I had my Citibank card palmed at a Foreign ATM.I cancelled my card immediately and was left with 13 cents.On return I spoke to the bank had a full police report etc and they have totally reimbursed my money.I have tears of joy.Just wish I could have the holiday all over again with money. Thankyou for doing this.Yourcustomer service snd prompt action was amazing. Show details

Everything is Sorted – If someone facing any issue about citibank cards or citibank online banking. Kindly send a message to me with your problem and your best contact number. Thanks

Money lost in system – Yup same as below, would have been nice to receive a letter or a proper notification of the change in swift code. But 3 weeks on money sent to their old swift code isn't showing up, they've not really been helpful either, other than telling me it will bounce back, which it hasn't. Now trying to trace the transaction, I'm sure it's happening to… Read more

many people at the moment.

Citibank traced the transaction, and provided a swift rejection letter, it took a month but I guess that's normal in the banking industry.

Was waiting a further two months for Wise to find it.

Held an account for 3-4yrs. Very rarely do I interact with this bank. Citibank Au customer serious is atrocious. Never a good experience. They can’t comprehend and process a phone enquiry. Everything they say is contradicting. They desperately need training in effective communication.

I have been a customer for 15+ years with a perfect credit rating. In Feb 2025 I asked to have my credit limit reduced from $4000 to $2000 as a security step while I travelled overseas for 3 weeks. The person I spoke to by phone assured me this was a sensible strategy in case my card was skimmed overseas. She did not indicate that there would be… Read more

any issues in restoring my usual credit limit on return. I am now home and recently went online to return my credit limit to previous amount. This was declined and I have waited several says for someone to contact me. The bank has now asked for numerous documents including proof of income and expenses before considering my request. What a massive over reach. Where is the customer service? Why isn't it sufficient to look at my previous history and reinstall my credit limit.? I will be applying elsewhere.

Extremely Disappointed – Hidden Charges and Outrageous Fees! I signed up for the Citibank credit card fully aware of the $199 annual fee, but what really shocked me was the $257 international transaction fee that got charged without clear, upfront communication. For a card that promotes global usability, this kind of steep, hidden foreign… Read more

transaction cost is completely unacceptable. Nowhere during onboarding or regular usage was I clearly warned about how high these fees could get. It feels misleading.

Customer service was unhelpful and dismissive when I questioned the charges. I expected better transparency and support from a global bank like Citibank.

If you travel or shop internationally, avoid this card—you’ll end up paying far more than you expect.

The absolute worst. Charged me twice for my annual fee. When I complained they said, oh that's not a charge, it's a journal entry even though in my online banking AND on the statement it shows as a charge. And it was a charge..Just refused to do anything. Cancelling and going elsewhere.

I wish I had read these before - my credit card was meant to come with a whole host of things including Qantas points. This was cancelled without any notification after I was approved - so the only benefit didn't exist. Call centre useless - no ability to change anything. Don't do it!! Show details

WOW this is actually the worst customer service and bank ive ever dealt with, i remember when they used qantas money it just bring horror memories back, i applied for a 10k cc thanks god I'm canceling it now do not want to deal with this horror all over again ! what a hopeless call centre ! Show details

Probably the worse bank I’ve ever dealt with. The app is pathetic and it’s ridiculous hard to navigate, customer service is abysmal and they literally lie to you and take money from accounts without consent. Would be 0 stars if it was possible. Avoid at all costs

I bought my flight ticket with my Citibank credit card. The ticket price was $1,159.90 and I have been charged extra $39.43 as international transaction fee. How ridiculous this is! So basically this credit card only is out of fee if I purchase in Australia and if I buy globally, I'll be charged extra? Really? This makes me to think twice about keeping this credit card. Actually, I'm considering to pay off and cancel this card now. Show details

Misleading – Absolutely horrific! I took a new credit card with Citi Bank because I needed extra points when flying. My thinking was that when you need to use a credit card you might as well use one that you benefit from. And while I got my points, re-paying the credit card was an absolute ordeal. It's like they don't want you to re-pay them so they can charge… Read more

you with penalties. I went over the limit on my card because the last transaction was NOT shown at all on my credit card, not even as 'PENDING' (unlike all prior transactions, which was odd), and I was very careful to leave at least $200 extra in case of late transactions. But as said, while all other transactions have been shown as pending the moment I made them, the annual fee that the bank charged - did not. This stressed me out as I always pay my debts and don't go over the limits, so I called the bank. They could not give me the statement because while the statement was visible on their end, it did not reach my account (for some odd reason that they could not explain it). So I asked them how to re-pay the amount over the limit. Their solution was to go to the Post Office (it was the weekend when I called) to pay the extra charge which the customer rep could explain nor advise what it was for (only later I realised it was for the said annual bank fee which did not appear anywhere on my credit card). I also have to mention that the customer rep advised that the bank statement would be visible on my account on the 20th of the month, today is the 22nd and the statement is still not there. Overall, this is the last time I have taken a credit card with Citi Bank. As soon as I repay my debt I'll cancel my card. Shame on you! P.S. Unfortunately I can't attach my statement as there is nothing there.

Unprofessional – I had my wallet stolen and the app wouldn’t allow to block and dispute the transactions done by thiefs. Customer service is slack, took the lady on phone exactly 34 mins to note down I got robbed and I need to block some transactions while I was desperately waiting to get off the phone to contact the Police about the incident. Commbank is best… Read more

they do everything instantly.

And 2 months later I am still receiving emails saying they need another 60 days to process the dodgy transactions. Poor service Poor communication poor Everything

Citibank should replace C with SH – This is the Slowest and most ambiguous bank, any transaction takes 2-3 business days. Customer care is worth 2 stars maybe. Their online portal is a pain in the back. Even though it is owned by NAB, it doesn't meet the Australian service standards. My ANZ account noticed fraudulent activity and blocked the card, informed us and put everything in… Read more

dispute by itself. Whereas Citibank has none of the above, we had to keep an eye on and let the bank know if we see any anomaly. Live chat isn't live at all.

Crap all round – Since taken over by NAB, City has changed the repayment periods in credit cards and charging a $30 fee each month when they moved the goal posts. I have requested several times for the payments to be moved to line up with my monthly salary, but they have not updated. Stay clear from another bad NAB company.

Would not recommend - extremely slow – Awful and slow service. Customer service is slow to understand issues and it takes a long time for any solutions to be implemented. Even something as simple as posting out the physical card takes far longer than you would expect. Unlike most other banks these days, you cannot begin using an electronic card before the physical card arrives.

Worst bank ever – We have been with Citibank credit cards for over 20 years and since they have been taken over they are hardly even worth writing a review about.we have always paid in full every month for the last 26 years but today my wife had her credit card declined because they say her date of birth is incorrect. It has been the same DOB all her life.they have… Read more

people that can hardly speak English and dealing with them is next to impossible. Even though we have always paid before time they now want my wife’s birth certificate, her mothers maiden name , her license number and a host of other information and documents even though they already have all these details. Their fees have gone up, their services are non existent and they have no idea what they are doing, 1 star is way too high

Shocking service – Shocking service and complete misinformation provided. Could not understand their call centre enquiries staff, off-shore, Absolutely hopeless company to deal with. I cannot deal with this company any longer and therefore cancelling our credit cards with this hopeless lot. Show details

hard to understand – i have a lot of trouble understanding the operators of online credit cards problems, they have a very bad accent , very hard to understand, i thought with time they would improve, but still a bit of a nightmare when there is a problem, , Show details

Don’t bother – Possibly the worst bank you’ll ever have to deal with. The online services are so difficult to navigate and customer service is nonexistent. Terrible service and experience

Blamed for Working Overseas – I was recently scammed by someone who got into my account and wrote bad checks. Citibank decided to close the account. They told me I could open a new account. I'm an American who works out of country as an international teacher. They refused to open a new account even through they told me in the security department that they would work with me.… Read more

The new accounts department told me it was because I'm American who don't work in our country. Expats and Military beware Citibank is blaming you for your service!