NAB (National Australia Bank)

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!!

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 queried about why my transfer of money from my account to my account of another bank could not proceed… Read more

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

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.