NAB (National Australia Bank)
Verified2,076 reviews
AI reviews summary
Pros
Cons
Verdict
Feedback regarding NAB is sharply divided between positive in-branch interactions and negative digital or systemic experiences. While certain customers praise individual staff members for their helpfulness and appreciate the mobile app, a significant portion of reviews highlights frustrating customer service wait times, unexpected account freezes, and slow application processes. Overall sentiment leans heavily negative, primarily driven by communication hurdles and difficulties resolving administrative issues.
I am very happy so far about all my recent NAB interactions with customer service and onboarding assistance with NAB. The wait time has been minimal before a really helpful and friendly person is there to assist. Unlike ANZ where the wait time has been a whole hour only to be transferred to wait another hour etc. The NAB people are friendly- they… Read more
speak to me like I am a human being- sounds weirdly obvious, but its true. Most of their customer service people are probably subcontracted and work for themselves but nevertheless, they meet the criteria as really lovely, kind and helpful. This is hugely important when dealing with new products, new changes in one's work life Well done so far!
Did an overseas transfer, they asked me to confirm verbally with sender account details. Gave me a number to call back once done, said I wouldnt have to wait. Rubbish, wait time was 35-40m. They blocked access to the mobile app so i couldnt call that way despite them keeping on reminding that was the best way to contact them. Not the first time had very frustrating interaction with this bank.
Been on the phone 3 different times over a missing credit. Told them I was in financial hardship. No help. Because of how I was treated, complained to AFCA. All over $33.40 total. Show details
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!!
Nab New Look for your Credit Card. The latest updates to National Australia Bank's internet banking have made managing credit card repayments significantly more frustrating. What used to be a straightforward process now takes three steps just to reach your repayment details. Once you finally arrive at the repayment details page, critical… Read more
information is missing. There is no clear due date displayed for when your payment must be made to avoid penalty interest. To find this essential date, you are forced to take another three steps to download or open a full statement.
It creates a cumbersome experience that feels designed to make timely payments unnecessarily difficult. Hiding due dates behind extra navigation steps and PDF statements is an extremely poor user experience from the National Australia Bank that risks catching consumers out.
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.
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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.
Latest follow-ups
- +2
NAB FRAUD TEAM TAKE MY MONEY RESULTS OF FALSE DESPUTE. I have been with NAB for 15 years. And everyone just handballs the mistake to eachother but still not a positive outcome yet. Show details
Follow-up · They called me twice and stopped following up and when I called back transferred from one person. the other and other and other finally got the right person after 1 hour phone cut of because of time limit. NAB is absolutely is a joke and bunch of thief's steal sick people's money.
Follow-up · NAB CANCELLED MY ACCOUNTS BECAUSE THEY CANNOT SORT THE PROBLEMS. BUT THEY CAN ALLOW PEOPLE USE THEY ACCOUNT TO ACCOMMODATE ONLINE GAMBLING MONEY TRANSFERS THERE YOU GO I HAVE A SCREENSHOTS FOR IT. AND THEY TALKING ABOUT WORK ETHIC HEY?!!
EVERYONE STAY AWAY FROM NAB! THEY WILL JUST TAKE YOUR MONEY AND THEY DON'T CARE YOU ARE SUFFERING… Read more (+1 reply)
In spite of repeated requests and demands, NAB still refuses to unblock my internet banking. tswmpg@proton.me To: feedback@nab.com.au Dear Sir/Madam Today (4 August 2026) I met your Sunnybank Hills branch manager [Name Removed] in his office. I… Read more
queried about why my transfer of money from my account to my account of another bank could not proceed and that my internet banking was suspended.
[Name Removed] arranged for me to talk to your staff on the phone. She said what had been done was to prevent me from falling into scams.
I asked how could a transfer to my account of another bank be a scam. She did not answer my question. She asked [Name Removed] to give me pages to read. Those pages were irrelevant to my case.
I also asked [Name Removed] about the Hong Kong TIN number problem. [Name Removed] initially said he could not see any query had been made. I showed him the emails, one of them accused me giving your bank the wrong TIN number alleging that the TIN number should be identical with my Hong Kong identity card number. I had replied to that email, asking how could they know my Hong Kong identity card number. I also attached in that reply email a document of the Hong Kong Inland Revenue Department for your staff to get confirmation from Hong Kong Inland Revenue Department. [Name Removed] insisted me to show him my Hong Kong identity card, otherwise he would suspend all my accounts. I showed him the card and he copied the number in his computer.
Under Australian law I have the duty to give you my Hong Kong TIN number which I had done that many many times upon your requests. I have no duty to give you my Hong Kong identity card number. Your bank made an unreasonable demand (asked me to show you my Hong Kong identity card) with menaces (to suspend my accounts if I did not comply).
I reserve my rights regarding your wrongful allegation that I gave to your bank the wrong Hong Kong TIN number and any misuse, if any, of my Hong Kong identity card number.
My last request made to [Name Removed] was to let me use the internet banking. He said I had to come to his shop again after 24 hours to answer some questions before my internet banking could be used. It was an abuse of your power.
Since I could not used my internet banking straight away, I asked your bank to transfer money from some of my accounts with your bank to my account of another bank. Your bank charged me $35 for that transfer. Other banks, e.g. Suncorp, did not charge for that service and other banks, if they charge, the amount would just be $5.
On short, I am extremely not satisfied with your bank's service. Regards Wai Kuen LEUNG
Follow-up · I got the following reply from NAB: "Dear Wai Kuen, Thank you for your email. I understand you remain dissatisfied and believe your concerns raised on 4 August 2026 have not been fully addressed. The complaint outcome provided was limited to reviewing your CRS information and the message you received requesting tax details. Our review… Read more
No Stars, pathetic money grabbing scumbags, most vile filthy I have ever come across. Do NOT bank here, they are thieves and liars! Pay my rent on card same place every time and bank blocked card as fraudulent! They are the fraud got SMS was this… Read more
you? I wrote Y back card still blocked. Went into town in a cab ran into a shop pick up smokes like every other week and card blocked. Rang scum NAB to open card 40 minutes later screaming at the humanoid and complaining about the cab out front waiting and I said to that germ, you broke into my account blocked me and now dictate how I spend my money and the worth of that spend! Cannot say as I did on phone. But let's say it shifted to fighting words! Told that germ maggot I'll have a look see find out where call centre/centres are and we could talk about it face to face if he would like. I would like that very much. I address this"bank" as the BEAST and it's cashless society number is 666.
P's there online accounts and statements do not match factual time/dates and are incomplete period. And may God help you if you need printed STATEMENTS as you will NEVER get what you require even if a statement is a legal document and required for taxation etc, shows who is really running this country! Government borrow from bank not the other way around.
Follow-up · I terminated all banking with nab
Positive reviews
I have to congratulate NAB for safe guarding my interests.. i was doing a bank transfer. And my app and online banking was frozen. Security staff contacted me to check that i was not being scammed. after i contacted them. Although it took a long time to fix. I really did not mind because NAB was looking after my money. THANKS to all NAB staff.
Follow-up · The transfer was not urgent and the account was only frozen for 3 hours.
After having an appalling experience when I contacted the NAB Bank using their contact phone number, I decided to go into the Parramatta Branch. Amzingly, there was no lenthy queue and the staff were very adept at addressing the problem, even though it took some time. My opinion of the bank went from bad to good!
The bank staff Vicky, from the Sunshine Marketplace branch was really helpful. She assisted me with my credit card application. And through her help I was approved for my credit application. I had an excellent customer service experience with her.
Negative reviews
The NAB TRADE I.T. specialists failing again to fix their Graphs and Charts giving the run around to investors so as to deny the proper assessment to invest. It may be time to move the account to a competitor! Shameful! Show details
Unsecure online banking. Online banking was accessed without authorisation. They provided no information about how it occurred or compensation for lost funds. The only way to get restitution is to make a complaint with AFCA. This usually works at getting your funds back, but they will tell you nothing about this pathway because they want it to be as difficult as possible so they do not have to compensate you.
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Customers should be aware that legitimate funds can still result in their banking access being restricted. I am sharing my experience so other NAB customers are aware of what can happen when transferring a large amount of legitimate funds. My daughter received $540,000 in loan proceeds from CBA directly into her nominated NAB account on 1 October… Read more
2026. she successfully transferred $100,000 through the NAB app. Because of NAB app's $100,000 daily transfer limit, my daughter and I then attended a NAB branch personally to arrange transfer of the remaining $440,000. At the branch, she identified herself, personally authorised the transaction and spoke with NAB's fraud team. When asked about the source of the money, she confirmed that it was from a CBA loan. NAB required further verification with CBA. she was told that the fraud team would contact her by Tuesday 6 October, because of the long weekend, she might have to wait until Tuesday. Rather than proceed with the $440,000 transfer, she asked NAB to cancel the transfer request completely. Her intention was simply to transfer the funds herself to CBA offset account over several days within her existing $100,000 daily mobile banking limit to reduce the daily financial loss from interest being charged by CBA while the $440,000 held in my NAB account because of NAB's further verification with CBA. The $440,000 transaction was cancelled and the money was returned to her account. However, she then discovered that her account had been restricted for making transfers, meaning she could not log into her NAB account to continue transferring even within her normal daily limit. The NAB branch staff advised us our experience does not happen normally as the transfer usually be completed after a customer receiving a call from a fraud team. The branch manager advised that the branch would compensate for any loss and made an attempt calling the fraud team to have the restriction resolved but was unsuccessful. My daughter dissatisfaction is therefore not with the branch staff, but with how NAB's fraud/security process handled the situation. I lodged a online complaint as well as calling NAB complaint team for the event on my daughter's behalf. The reference number was given over the phone. I received no follow-up from the complaint team. We understand that banks need fraud and scam protections and may need to stop suspicious transactions. However, in my daughter's situation NAB fraud team did not protect her money in her best interest, instead the fraud team made her transfer impossible, as the funds were legitimate loan proceeds transferred from CBA, she attended the NAB branch personally, identified herself, confirmed the source of the funds and ultimately cancelled the $440,000 transaction when the fraud team needed further verification. Despite all of this, she left the branch unable to login for normal transfers from her account. this also has a financial consequence loss because the interest on that amount was charged as part of CBA loan, but the amount could not be moved back to her CBA offset account to avoid interest while is not used. The fraud team did not call her on Tuesday 6 October as promised. As her account was still restricted on Wednesday 7 October, I decided to contact the branch manager after 12 pm. The branch manager called back immediately and advised my daughter to contact the fraud team directly. Her account was therefor lifted from the restriction after she contacted the fraud team. The fraud team apologised for the inconvenience caused and advised that my daughter should be able to transfer that amount out. My daughter and I went back to NAB branch shortly. However, she had to go through with the fraud team for the normal verification questions process again in the branch. My daughter had I am posting this review on my daughter's behalf so other customers are aware that receiving and subsequently transferring a large amount of legitimate money in the branch can potentially result in their banking access being restricted while NAB conducts its checks. I lodged a formal complaint with NAB and no NAB respond was received. Consequently my daughter made a follow-up email Friday 9 October seeking financial loss from NAB for this inconvenience.
Recent reviews
⭐ 1 STAR – THE WORST BANKING EXPERIENCE OF MY LIFE – NAB I have never experienced such unacceptable treatment from a bank in my life. My experience with NAB, particularly with the Liverpool branch manager, [Name Removed], has been extremely disappointing, stressful and upsetting. NAB withheld access to my own money without providing me with a… Read more
clear explanation, even though I urgently needed cash. I repeatedly explained that the money belonged to me and that I was willing to provide any documents or evidence required to verify my funds.
Instead of helping me resolve the situation, when I insisted on accessing my own money, [Name Removed] called security and had me escorted out of the branch. I found this treatment deeply humiliating and completely unacceptable.
I then went to the Cabramatta branch, only to find it closed. After contacting NAB directly by phone, I was told that everything had been prepared and that I could go to a branch to withdraw my money.
However, when I arrived at the Bankstown branch, I was once again refused access to my funds. I was told that my withdrawal had been rejected by the Liverpool branch manager, [Name Removed].
The entire experience left me extremely distressed, frustrated and angry. The situation became so overwhelming that I suffered a panic attack.
After all this unnecessary stress, I eventually had to transfer my own money to another bank account just so I could access it and withdraw the cash I urgently needed.
Is this how NAB treats its customers? When someone needs urgent access to their own money and is willing to provide all the necessary documentation, they deserve a clear explanation, respect and proper assistance, not to be left feeling humiliated and helpless.
I have lost a great deal of trust in NAB because of this experience. The way this situation was handled has been completely unacceptable to me, and I believe the bank needs to take responsibility for how its customers are treated.
I sincerely hope NAB management investigates this incident, reviews [Name Removed]’s handling of the situation and ensures that no other customer has to go through the same experience.
This has genuinely been the worst banking experience of my life. I would not wish this experience on anyone.
nab sunnybank plaza. so busy branch but only 1 or 2 teller available. have to wait around half hour at least. you have to wait standing. nab sunnybank plaza horrible branch.
Do not care about keeping loyal customers. Have found a competitor with a better rate NAB wont even bother trying to keep us with a better rate or even some sort of cash back like other banks. Will be taking our banking elsewhere pathetic. Even managed to freeze my accounts twice by marking me as deceased!
Applied for a credit card in June. Followed up about 20 times (on hold for 30+ minutes usually), with no news. Today was told my application expired and I need to start again. No thanks!! Will go to another bank. Show details
I have been a customer since my schooldays. As reviews indicate their in-branch I have usually found their in-branch service acceptable - with exceptions, needless to say. Their management attitudes, on-line service and the associated attitude towards their customers - of which contempt appears to be the principal ingredient - are frightful. … Read more
The most recent - and it is only the most recent- example relates to a an incident in which their on-line payment system had been 'tweaked' so that a payment detail had been hard-coded into into a vendor which had never had one before and could not be modified so the payment would not proceed and a second incident where a vendor could not be selected because I needed to provide more detail about which variant I wanted, even though only one was supplied. NAB's response? Effectively to call me a moron and painstakingly explain how a process works, even though I had clearly indicated that I had been using the system for decades and that it suddenly didn't operate properly. To state there were no techincal problems, even though I my complaint clearly indicated that there were. To observe that a process didn't work the way I expected it would, even though I had clearly indicated that it didn't work at all. And finally to reprimand me for failing to treat their staff with the respect upon which they insist. My complaint had been on-line. A part of it had been typed in capital letters to emphasise a point and demonstrate my fury and frustration. There had been no abuse, no use of inappropriate language. Poor little snowflakes, being forced to read a complaint when they work in a complaints area. How dare I? The contempt of the NAB for its customers and its clear attitude towards everyday folk of 'you've given us your money, now get lost' is palpable. It is equalled and surpassed only by my own for the organisation. If you are contemplating signing up with NAB don't. If you are in a position to seek an alternative (sadly I am not) do. Another bank may not be any better but it is difficult to conceive of any being worse.
NAB outsources internet banking enquiries ? Blocked my mother’s internet banking for no reason. Then suggested my mother was dead ! My mother is alive. POA on file is outdated. New POA provided one month ago. The worst and most confusing dealings with NAB. Absolutely terrible and beyond belief. Show details
42 years of loyalty dismissed in seconds I recently contacted NAB to request a fee waiver or reduction on my credit card annual fee. Given recent cuts to card benefits—most notably the removal of complimentary travel insurance—alongside reduced reward earn rates and higher interest rates, I felt this was a reasonable request. As a customer of… Read more
approximately 42 years, I expected a fair discussion or at least a genuine attempt at retention. Instead, the bank's response was effectively: if you don't like it, feel free to close your account. After four decades of loyalty, being treated as completely disposable is incredibly disappointing. NAB clearly no longer values long-term customer relationships.
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Really NAB - "More than money' 'We steal from dead people' and 'Make it as difficult as possible for small business"