NAB (National Australia Bank)
Verified2,032 reviews
I have been an owner occupier since 2009. I had a business banker who was aware of my circumstances at that time. I was involved in a family business through which I bought the property in a trust arrangement. I trusted the bank manager I had and expected that she would do the right thing by me and advise of any discrepancies. After being involved… Read more
in a motor vehicle accident in 2017, and being injured to the point that I have been granted a serious injury certificate, meaning I have a certified 40% reduction in capacity, the bank put me on hardship arrangements. Then COVID hit. I applied to the bank for interest hold/relief and they informed me that because I had existing hardship arrangements that they couldn’t offer any relief. After speaking to one of the conscientious staff I was advised that my interest had been calculated at the wrong rate. She helped to put in a complaint and it was rejected because the bank doesn’t possess the capacity to recalculate the interest from that date. I offered to draft my own spreadsheet, at the expense of my time and expertise, to resolve the situation. Of course that was rejected. Now I have been given the excuse, that because they weren’t formally that I was occupying the property that there is no reason to grant refund. They did however change the rate of interest after notification. Be warned. Bank managers are no longer trusted people. They pretend to be helpful but will escape through every known loophole to earn the faceless men money. You can’t talk to the faceless men/women. They just send sheep in wolves clothing. I hope you can learn from my lack of experience and be better informed from my review. God bless all!
Thry make transfer and other general uses difficult coz I am jobless and don't use them for main banking. Simply I am not a cash cow for them. Worst ever, moving on to other banks. Bye Nab!! Show details
I had a NAB credit card and during an audit last year they found that they have shortchanged me on my points. It was promised that the point would be credited. Today is 18 May. After countless back and forth by email to the mediation team, the points didn’t not appear in my frequent flyer account. Despite them promising so after six months. Tried… Read more
messaging and was promised someone would call to resolved. Again nothing. No apology nothing done about a customer who by now would be clearly unhappy. This says everything. I wanted to cancel the credit card and was told that I won’t get the remaining fees back as it was a condition for me signing up. This was said to me event when they are aware that they have failed to fulfill their part of the deal in terms of their points. It just shows how bad the culture of the.bank has to be.
Reviews with attachments
Have been a customer with NAB since 2009. And have never experienced problems . I really sympathise with those who have had negative experiences with this bank. I have never been charged any fees so far, and I have never really experienced any problems with the app. I have had no problems transferring money to any other bank. On a couple of… Read more
occasions when my card was stolen. They refunded the money that was in dispute. And they also issued a new card promptly. So I have never been shortchanged by this bank. Although I have tried to sign up for promotions. They keep knocking me back because of my credit rating. But I guess I can’t change that. Touchwood fingers crossed hopefully they will be good in the future.
The only negative experience that comes to mind is in 2022 where a client paid me using my Pay Id . And they send me a receipt. However the funds did not appear in my bank account. So I went to the NAB branch and made an inquiry. And the teller without even checking properly looked at the receipt and said oh it’s a fraud. So I called up the client and I had a word with him. It turned out that the bank is actually frozen the money. Because of the angry exchange I had with the client. He called his bank and reversed the transaction. So I was to receive the money in 10 days, but then I didn’t get it at all. This was Because the teller at the bank. Give me wrong information. This was the only negative experience I had with the bank. And I lost $250.
13 in a queue - 1 teller! – How can I leave a 0star review? 1. Waited 1 hour for the main number to answer 2. Waited 48 hrs for a call back from Casuruna Branch 3. Gave up and went to the branch - been closed for a couple of weeks (still no phone call!) 4. Drove into Darwin branch - 13 people in the queue for the 1 teller How not to value you clients!!
AND NOW TO TOP IT OFF - The NAB HAS FLAGGED THE FLOAT DEPOSIT IN THE ACCOUNT AS INCOME!! Next visit to comply with their requirements, I will hand over $100 in seven transactions so the teller can give me the denomination required without raising their money laundering flag. Or perhaps three or four small deposits and withdrawals of $200 will… Read more
suit them. One must after all obey the rules.
I recently visited my NAB branch to get $700 in float change. I was told it was now bank policy — for money laundering reasons — to deposit the cash into an account, then withdraw it to get change. This will be necessary for all future float requirements.
Both tellers insisted this applies to any transaction over $100, despite the actual AML reporting threshold being $10,000.
After much discussion, I complied. My statement now shows a "Cash Deposit" followed by a "Miscellaneous Debit" — with nothing to identify it as a routine float exchange.
If this process genuinely exists to create a clear audit trail it has failed spectacularly.
Instead, it has created a confusing and potentially problematic personal account record, with no documentation linking the transaction to our micro-business. Far from preventing suspicious activity, the resulting paper trail looks far more suspicious than a simple cash exchange would have.
To me, it appears as if the NAB is involved in a money laundering practice; or perhaps trying to get their deposit figures up. Can the NAB explain the regulatory basis for this policy — and why customers receive no proper documentation when forced to use it, and more particularly that the NAB had no authority to withdraw the deposited funds.
Title: Hidden fees and poor transparency – very disappointing I used my NAB debit card during a recent trip to New Zealand, assuming the charges would be limited to the commonly stated 3.5% international transaction fee. Before travelling, I did my research online (Google, ChatGPT, etc.), and nowhere was it clearly explained that multiple… Read more
additional charges would apply per transaction. However, after returning to Adelaide, I was shocked to see numerous extra fees deducted from my account for almost every purchase I made in places like Queenstown and on the way to Christchurch.
What’s worse is that these charges were not reflected immediately or even the next day. They only appeared later, which made it impossible to track actual spending while travelling. This lack of real-time visibility is extremely misleading.
Had I known the true cost, I would have used an alternative like Wise instead. I genuinely thought NAB would be comparable, but that was clearly not the case.
Overall, very poor transparency and not suitable for international travel. I would not recommend using NAB debit cards overseas.
Over 20 years with NAB and now im done with this after this experience. I sent $17000 overseas in branch to a trusted source and now the money’s disappeared after not being received in 10 days. Waiting on hold for over an hour 2 times with no assistance given and constant robot like apologies, no response from app messaging (constantly being told… Read more
over and over did you know you can use the app? When it’s no good at all). Tracking the money for some reason will take a few days and I still havnt heard anything back. It took 3 days to go through last time using commbank so now it’s time to change exclusively to them.
These banks make so much profit and when it comes to our money they don’t seem to be in such a rush to assist.
Thank you NAB for this Petrol discount! Great timing! What a great help!
Very bad, disgusting service. The account was locked and asked to call. Was on the phone for 1 hour and 36 mins to unlock the account and finally told to visit the branch. Seriously, they told to get help from someone to spend money. Never rely on NAB money to travel around. At least have another bank, commonwealth bank to save your life. Show details
Applying for a NAB credit card was an absolute nightmare. The process was painfully slow, poorly designed, and completely lacking transparency. I provided all the required documents, only to be left waiting for weeks with zero meaningful updates. Trying to get answers from customer service was a waste of time, none of them was able to help me, and… Read more
no one seemed to actually know what was going on with my application. For a so-called “big four” bank, this level of inefficiency and disorganisation is unacceptable. NAB clearly doesn’t value customers’ time, and this experience alone is enough to make me take my business elsewhere. They advertise 15 mins online application and you will get the result. I prepare the document and linked my Myob account so they will have access to my business cashflow. I thought I already did all the necessary docs and requirements. Days passed and there are no updates to my application. During one of my lunch break I went to Adelaide branch for an update but they don't know what happenned to my application. They suggested to arrange a meeting with banker on another time. I agreed to this and they said meeting will take about 30 mins.The meeting was set up on 27-Nov 2025 at Norwood Branch. I agreed and meet the Banker and the meeting took more than an hour. I prepare all the docs they needed and did the onboarding process that took forever. Unfortunately we forgot my wife's passport and told them we have soft copy. They insisted that they need the actual copy so we end up going to the branch again the next day.The next update we got is email on 4-Dec 2025 saying onboarding process is finalise and the credit card application in progress. I waited and I did not have anymore update.I went on my holiday break overseas and I was only able to follow up on 27-Jan 2026. They said the application is already close because they did not hear from me. They said they called but I did not answer. Unfortunately I was still overseas that time. I did not even received an email to inform that they called. Anyway they told they will resume my application because they already have my details. The support said someone will call me in 2 days or maybe before the end of the day. I waited 2 days and that never happened. I have to follow up again in person in Adelaide branch but they can't see any update or don't know what is going on.They said they will reach out to lending officer and they assured me that they will give an update at the end of day no matter what happens. And you know what? I did not received any update. The next day out of frustration I applied thru ANZ bank online and did the same application. I gave the same details and give permission to access my MYOB account and I got conditionally approved straight away.
In the afternoon the next day, I got called by the NAB lending officer he asked about my application and you know what??? They are asking again for my details and they said they just want to confirm all the details that they already asked. We just end up cancelling the application altogether because it is a waste of time. This is the worst application I have ever experienced.
I have been trying to access my account NAB online all day and it has been down all that time. If the Bank closes its physical branches offering online banking as a replacement, I think it should make certain that online banking can be accessed. I think a Bank should receive a substantial fine if it does not provide reliable banking services as advertised.
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Latest follow-ups
Extremely disappointed with the banks treatment in regards to interest payable on my reward saver account. All verbal instructions were followed in regards to the requirements on this account. I am an 80 year old pensioner reliant upon this interest and would have expected higher duty of care from this institution. Show details
Follow-up · NAB made a typical big business monetary offer to settle this dispute, amount was a absolute joke. All matters are now in the hands of AFCA for a mediation. Waiting upon decision.
Typical arrogance of banks today, will not answer me here, yet make a pathetic offer to close query through another portal
Attended local NAB branch twice on 1 day to open a term deposit account for a not for profit society account. After waits of 30 minutes on first visit and 20 minutes on the second visit, the customer service officer indicated it had all been… Read more
arranged after a 1 hour meeting, and I would receive an email giving instruction to transfer the monies online. Logged on but no term deposit account available to pay into. Gave up. Received a phone call today from NAB indicating they had sent the email with instructions. Read it all again and logged on. Same result. Rang back on the number I was phoned on and it hung up saying they are too busy to anwer. Rang back on a phone number on a Customer Service Officer's business card and the same result. They hung up as too busy to answer. NAB need to get their act together. Worst customer service ever!
Follow-up · Following my previous experience with NAB I met with Dianne Bird, Manager at the Unley Branch. My experience was much improved. Dianne identified mistakes made previously by CSO's and rectified the situation so that the online process for managing the transaction account and a number of term deposits worked as it should. I was very grateful for her timely intervention.
NAB used to be great.. been with them for decades, but is now unusable, I've had numerous problems their app and other banking products, which used to be good, .. basically, you have a problem, ring them, they tell you to use the app, you can't use… Read more
the app because their tech team have made it unusable and you cant get in... then you wait and wait to talk to a real person, the real person tries to help... full marks to the individual... but they usually don't have access to do anything... you raise a complaint or 2.. no-one ever gets back to you .. I wouldn't rely on NAB products if I was travelling overseas... these are just my personal experiences. now having to move my banking because they are to unreliable. which is a pain.. pity used to be a great bank..
Follow-up · no change, 2 weeks later someone rang about the complaint's, the individual was a nice person, but I got the feeling the customer support officer was just ticking boxes on his work sheet (my issues would have been very bad if were traveling overseas)... I'm moving to another Australian bank ... hopefully they may have staff that will answer your call and assist you when problems occur..
Positive reviews
Cris Beldea the loans specialist I saw at the Bondi Junction branch is a real gentleman and he really treated me as valued customer and was very helpful in walking me through all my options when I wanted to borrow some additional funds. Show details
Frank Zhang from NAB Sunnybank Plaza truly stands out as a home lending specialist. He has a remarkable ability to make the entire home loan process feel seamless and stress-free. From the very beginning, he was there to guide us, showing incredible responsiveness and a wealth of knowledge. It’s evident that he genuinely cares about his clients, and I can't help but feel grateful for his support. He truly is a genius in his field! Show details
I left NAB years ago because of bad customer service. Last week I reuse them again and found their customer service improved a lot. Their app also has been revitalised and more user-friendly. I chatted to couple staff from their inapp messaging. Now I redirect my salary as well as my car insurance to NAB. Much better than my Community Bank and… Read more
those 2 military banks. One of them couldnt even spell my surname correctly on the Devit card. Keep up the good work NAB
Negative reviews
If I could do a negative star rating I would. This bank do not care about their customers and they do not help when you get stuck at all. I’ve been with them almost 10 years and I am going in to close all my accounts, as is my family. This bank is the most careless, useless and uncaring bank I have ever been with. Do not recommend using them!!!!
I went to NAB’s John st. branch in Salisbury SA the other day. I wanted to open account in person. I found it hard to find a parking spot. When I got there I asked the accountant that I wanted to to open a new account. He said “Ah, sorry, both accountants who are responsible for this are away”. I was very confused and upset. I left with an impression that I did the wrong thing. I eventually opened an account with a different bank. Show details
I recently dealt with Eun-Joung(Ivy) part of the Small Business department regarding a business credit card application, and the overall experience was frustrating and unnecessarily time-consuming. I have been banking with NAB for all my banking needs for many years so, I have a very good history with them. I had already attempted to complete the… Read more
application online three times prior to speaking with her and was clearly advised that only to reply to her email with my latest BAS would be required. Following our conversation, I was then asked to provide additional financial documentation that had not been disclosed upfront, and was required to complete the entire application again. Even though I had also provided the information over the phone as well to one of the business bankers for the application to be processed. This inconsistency and lack of clear guidance resulted in repeated effort, wasted time, and a process that felt far more complicated than it needed to be. For a small business owner, time is critical, and this experience did not reflect an efficient or customer-focused approach. There appears to be a disconnect between what is communicated initially and what is actually required to progress an application. Greater transparency and accuracy at the outset would significantly improve the experience. Based on this experience, I would consider alternative banking options that offer a more streamlined and straightforward process.
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Recent reviews
I advised a bank officer that I did not need or want an overdraft at a face-to-face meeting some months ago, and at a following face-to-face meeting more recently advised that an overseas company was attempting to deduct fees for a program that I did NOT request or order. At both meetings my directives were acknowledged. A couple of weeks after… Read more
the last meeting I noted with dismay that the bank had issued me with a overdraft, and had paid the company that I had succinctly told them not to. In doing this they had used funds that I had set aside for the only direct debit that I have arranged, which resulted in angry emails from my internet provider. I demanded and got a third face-to-face meeting in an effort to find why the bank had deliberately gone against my directives and paid out hundreds of dollars of my money. Bank gobblegook followed and the bank officer effectively told me that it was my fault! To add to the mess, I was advised that I would be charged a fee of 20% on the overdraft, then added insult to injury by deducting a further $5.60 overseas transfer fee! I'd raised my voice at this stage, but she told me 'not to raise your voice' in a much louder voice which continued to over-ride my own. I managed to get the overseas transfer replaced, but regarding the hundreds that they'd paid out, they said that 'they'd try' to get it back. I can't see that happening as it was they who paid it, not me. Then I was told that I was a very valuable customer and she attempted to give me a hug! To date, a week+ later, no sign of my money. Weasel words from a weasel bank. I've lost all trust in the NAB, a bank that I've been a customer of for 2 1/2 years - and probably not for much longer.
You couldn't find a worse interface or online experience if you tried. Absolutely hopeless algorithm interface. After more than an hour of frustrating ineptitude, I still did not get to speak to a human being...and gave up (I guess this is ultimate NAB's goal), I can only empathise with all those who have gone before me, and have eventually given up. Show details
Absolutely shocked. Visited the NAB Branch in Mackay today. After waiting in line for 20 minutes, I handed the teller 4 x $50 notes and asked if I could exchange them for 2 $100 notes. I was told unless I was a customer with a NAB account, she was unable to exchange my money. What an absolute JOKE! Show details
Went to deposit money at machine as they do not want you to go into branch anymore, and that is providing you can find one. Had $50 dollars in cash to deposit, on first attempt it daid I only had $350. Cancelled transaction and tried again, thgis time it daid I only had $400 dollars. Cancelled transaction action and left to head home. Made contact… Read more
with nab on Wednesday morning, and they took my complaint and said they were going to contact me within three days, have not heard from them, which is completely expected for a bank to lie to you. Been a nab customer for thirty odd years, yet recently customer service has dropped considerably and their attitude towards customers has become quiet rude. Am making fomal complaint to ACCC.
Any 5 star review of NAB Booragoon is either satirical comedy or a paid google review. Dont bother asking the branch manager, San Keerithipala, for assistance as he’s in panel of it. Show details
I applied for a NAB Qantas Rewards Signature Card and ended up cancelling the application. It was over a month of frustrating emails and phone calls requesting information I had already provided. My finances are in good stead (home owner, no mortgage) and I apply for a new credit card every few years for the purpose of accruing Qantas points. So… Read more
unprofessional and the customer service is so poor I had to double check I wasn’t being scammed. I’ve now gone to AMEX and approved within the same week. Truly shockingly bad customer service and systems.
NAB REFUSED TO RELEASE PASSBOOK MONES TO PAY FUNERAL COSTS. Background: Mother-in-law passed away. Her kids/beneficiaries had power-of-attorney and last will indicating them as executors. Please note that P-O-A no longer applies from date of death. Funeral directors had advised beneficiaries to inform the bank to release funds to funeral… Read more
director and other funeral entities because that is the only time they can release the deceased's funds prior to probate. The beneficiaries provided NAB with a death certificate and requested the bank to pay the funeral expenses from M-In-Law's NAB passbook account direct to funeral directors. NAB branch clerk tried to help by phoning NAB Bereavement Section which promptly halted all transactions and refused bereavement payments. The beneficiaries had to pay for the funeral out of their own monies. Beneficiaries later phoned Bereavement Section which advised that such payments can be made immediately to the funeral directors etc. ONCE YOU INFORM THE BANKS OF THE ACCOUNT HOLDER'S DEATH, the banks and especially NAB refuse to release the monies for funeral costs. I suggest you KEEP PHONING AND EMAILING THE BEREAVEMENT SECTION EVERY DAY until you find someone who knows what they're doing and note that person's name for future funeral payments and GET THEM TO ACTION THE PAYMENT WHILE YOU WAIT ON THE PHONE. Further, you should record everything in a diary or notebook. I stress "while you wait on the phone" otherwise they wait for 14+ days after the request is pushed down their throats. I ALSO SUGGEST YOU COMPLAIN TO THE BANKING OMBUDSMAN (AFCA - https://www.afca.org.au/make-a-complaint) and supply a list of dates, phone conversations and notes. It appears the banks are (a) not spending enough resources on training, (b) perhaps retrenching staff before the next recession and (c) desirous to keep the monies as long as possible in order to obtain free interest". It is a global problem in both private and public corporations whose only solution is for us to go back to the period prior to the 1990s when governments had a consumer interest in almost every industry, eg Banks (CBA), aviation (Qantas).
Poor rates and poor customer service. NAB provided a home loan for my unit ( - I was with them for about 3-4 years. My home loan was obtained before the interest rate hike, so I was on fixed rate for 2 years on a nice rate, no issues. Following this, going to variable, NAB would adjust my rate slightly and tell me something like "we've adjusted… Read more
your rate in line with RBA", but it never reflected the RBA reductions. It was always a smaller percentage of what they really should be passing to customers. I tried to call them several times to discuss my interest rate, but as many others in these reviews say, i was on hold for long periods each time just waiting to speak to a PERSON, i tried the call back option and they never called. I put my broker onto them, and they did actually speak to someone - my interest rate was 7.51% at a time others were getting under 6%, some under 5%. NAB provided a rate to my broker at 7.21% and said this was a competitive rate and can't do any better. This was all lies. I finally heard from NAB directly - on the day i was refinancing - wow! A NAB manager called me and asked me why i was leaving. She was very professional about what had happened, but I told her my rate over the phone (she hadnt even looked it up before the phone call), and she said "wow" - now thats coming from someone AT THE BANK! her words - she said the rate was 'not very good' and said she would come back to me by end of the day with a better rate. I never heard them again. Theyve just lost another customer here through greed. Not that im a big fish, but this was a really disappointing experience - they don't look after their customers - they don't care. I will never use or recommend NAB to anyone.
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Really NAB - "More than money' 'We steal from dead people' and 'Make it as difficult as possible for small business"