Best Banks in Victoria Melbourne and Geelong

Thank you so much to Bernie from the Moe Branch for helping me out this afternoon. She was very kind and patient!

We opened joint savings accounts with Judo Bank several months ago for their very competitive personal savings interest rate with no ridiculous… Read more

conditions required every month to earn the bonus interest. We absolutely love that so long as we’ve done a deposit at some point in the month we can withdraw as much money from our account as we want, and even have the balance go backwards, and we still earn bonus interest every month. This is becoming increasingly rare with banks and honestly it’s the reason that we took an account with Judo Bank and the reason I’ve recommended them to friends and family.

The app is functional but simple, there’s only a few minor things that I’d like added to make our experience perfect, that would be the ability to add a comment on transactions to keep a record of what I was withdrawing the money for, to be able to transfer between our savings accounts more easily and to have OSKO payments added to allow faster transfers between banks. But like I said, these are minor things for me and our experience has still been very positive.

Applying for and setting up the accounts was so quick and easy, didn’t feel like we had to jump through hoops. And even better, the savings interest rate wasn’t just an introductory rate that only applies to new customers for a few months, so we earn a great rate every month. Much better than you can get at a lot of the big banks.

This bank goes out of its way to invade peoples privacy and make demanding requests for peoples itineraries when travelling. They use an… Read more

old-fashioned system rather than a OTP when making online purchases. This bank has gone downhill since becoming Qudos Bank and no longer values the community contribution that brought it to where it is today.

Although Tanya provided excellent service, I was disappointed to find that even though we have been with Auswide ( Burnett Permanent ) for 56 years, I was not able to split the term deposit I was renewing without an appointment.

Just like to give a big thank you to Adam who helped me out in making security changes to my accounts. Been a member since old Prospect CU Days… Read more

when they were in Charles St Parramatta. Always had great service. When the latest merger took place, felt that service slipped. Now the bank has picked up the ball and got back into the stride Adam today proved that. Very patient and knowledgeable young man. Completely worked out my needs and found a solution. Thank you Adam . By this man a dinner.

Mutual Bank has been very convenient and friendly. They try to help in all areas where they can.

I was going through a rough separation and property dispute and I had to refinance with Police Bank. I met Taffy and told her of my personal… Read more

circumstances. She reassured that everything was going to be fine moving forward. She has constantly followed up with me regarding every stage of the way. Very happy with the service. :)

Horrible bank to deal with. They do not listen to people in financial trouble but do you know how to bull shit people with law and everything. Idiotic brokers from sydney and idotic people operating within BOS

They do not 'exist to financially empower people to realise their dreams' nor do they back the teachers and nurses they claim to support. I can name… Read more

plenty of banks that take less interest money from customers, which is objectively more supportive than anything Bank First can offer.

I've been with Bank First for about 10 years and have been waiting for a competitive interest rate. I even called them recently and was told that their mortgage team could offer better rates than the website but it turned out to be not nearly a good enough rate to compete with other banks honestly. They have lower/no fees and waive LMI fees, but these are small amounts compared to the what they're making with their high interest rate.

Seems like they are comparing themselves against the big 4 rather than smaller and realistically comparable banks.

They are quick to take the money but make sure you jump hurdles after hurdles to get it back. Their bpay daily transfer limit is $100k like most… Read more

other banks but you can only xfer $30k each transaction. Their call centre takes their time. To transfer amount >100k, they collect information which is not their business really (and which if hacked is my headache not theirs) eg selfie while holding my driver's lic upside down and of both sides (try it yourself GSB you will need 4 arms). Here is your wording ("A photo of the front and back of your driver's licence, and a selfie of you holding it upside down with all details clear and visible." - one photo with so much? ) It has to be physical driver's lic - many of us do not have them. It is not your business asking why I am xfering my money. I have never heard of reference item in making a bsb transfer (""The bank details for the payment, including: BSB, Account number, Account name, and Reference). Absurd items like the most recent deposit made to your account and the most recent external payment made from your account.

Required some help today with a transaction issue and contacted the help desk for assistance. Have been with bank for many years now and can honestly… Read more

say that in all my interactions with helpdesk staff they been very friendly and go out of their way to be helpful. Other banks/organisations could learn from them . Well done!

Was a great bank and one i was with for 6 years!.. But then they decided they would close my account and wont give me a reason except some BS clause… Read more

number and that was it... Which was because I was depositing into casinos, which they were more then happy to allow for years and under there terms on the webisye which state, they permit authorised casino deposits. But nope, i had 30 days to find a new bank! And yet I know multiple people who use this Upbank to deposit and withdraw through casinos and they have accounts and still actively doing it! The whole system is absolutely flawed allowing transactions like that to happen.. Complete joke of a bank, lucky I have an investigation ongoing with them which cant say to much about. But keep an eye out over the months for a class action lawsuit.. Also under the rules and bi-Laws for them allowing illegal activities, which is more BS government control.. They have failed a customer which the systems should have picked up transactions saying things like Sweden, France ect when they know damn well im in Australia. Like if used my card at say woolworths then a transaction in Sweden same day, the system should have flagged it instantly but nope!

Disgraceful bank, they should be ashamed of themselves.

Luckily i did go forward with the review and to the ombusman because alot has come out about this bank and the huge failures!

Best to avoid

This bank has no regard for its customers. Their call centre queues are 50+ minutes. They want to KYC (know your customer) and for me this is… Read more

becoming a KYEC - know your ex customer. 8x multimillion dollar accounts gone as well as a significant share holdings (including CBA shares). I guess the share price is the canary in the coal mine and I should have moved sooner. Disgusted.

Joining MOVE Bank has been a nightmare. Days after opening an account and transferring my savings, my funds were completely frozen without any… Read more

warning or clear explanation.

The way this bank handles support is unacceptable. I have been bounced back and forth between Live Chat and phone support, with neither team willing or able to give me straight answers. Live Chat ignored my messages during normal business hours for an entire day, only to send a single unhelpful automated message at 3:40 AM while I was asleep, followed by radio silence again.

Being made to feel like a suspicious actor simply for opening a new bank account is deeply distressing. Being locked out of my own money has caused severe hardship, and I have now been forced to escalate this entire matter to the Australian Financial Complaints Authority (AFCA) just to access my own funds.

Avoid this bank if you expect transparent communication or reliable access to your money.

I was helping my husband open a bank account on the 1/10/2026. He requires assistance due English not being his 1st language. The male bank attendant… Read more

was extremely rude and patronising and basically told me to go away as I informed him that his ID photo was at the front of the passport and there was no need to look at all the stamps.

Opened an account (no problem doing that). Surprised to have 2 accounts—High interest savings a/c & Premium saver. After introductory interest offer… Read more

was over I moved money to Premium Saver. Requirement to transfer $200 in to a/c but if you move interest out of a/c you have to increase balance by interest amount PLUS $200. E.g Earned $100 interest, move out then have to pay in to a/c $200 PLUS $100. This means in effect you cant draw your interest money out!!! Not clear at all in t&cs. I just lost my premium bonus interest!!! Not happy at all. Customer service was pleasant but I’m closing my a/cs to other online banks where conditions are clearer. (I have worked for years in finance)

Bad customer service. Just use them for 4 months and leave it’s a nightmare.

Regional Australia Bank are always helpful and friendly. Happy to recommend them. Show details

The Better Big Bank, is deceptively dishonest, try viewing any customer reviews on BBL website! That will be Zero, and inline with the service they… Read more

offer. Once through the Bots there is well rehearsed practises, of issuing Case Managent ID’s to investigate previous commitments made by individuals who never followed through with them. I am 74 years of age disabled and l am not looking for any money, loans, or doing any further business with this alleged Better Big Bank. I made that mistake once, l just need to access my Business Accounts where all my wife and my Assets sit, and l am litigating several hundred thousand dollars owed to us. Do not be fooled this BBL is definitely not who they purport to be

I have had a loan with MeBank for quite a number of years but since the merger their service keeps getting worse and worse. Just waited 35 mins to… Read more

chat to someone. Gave up so used their chat option but then get told they can't answer my question in chat and that I have to speak to someone on the phone. Well that's what I initially tried to do!

I rang because 2 interest payments came out of the one account. One amount one day and another for nearly the same amount the following day. The interest should be taken out each fortnight. Now going back it looks like they take interest out on different days of the week so I will have to go back and check all the interest paid amounts ...

Branches??? What branches? Closing them constantly and don't even inform their locals they are closing. Can no longer get hold of an actual person to… Read more

speak to. Tried to book a home loan appointment and they couldn't even answer simple questions or book us in at a branch. No longer people first.

they blocked my password with no reasons, you cannot get staff speaking good english, you got some ai completely useless, when waiting 3 hrs you… Read more

got some english speaking person they will tell you we send you a code on email, they dont, we will send you a txt on your mobile they dont , they are taking customers for dirt . may be they can do business with polar bear in artic. i did lodged a complaint to the ombudsman and will can cel my card with these useless lot

Tried to sign up for a few days. I keep getting to the same point of putting in my Australian passport and it comes back saying 'With the information… Read more

you provided we are unable to open an account for you.' It would be helpful if it would tell me what the actual issue is, as it seems like I meet all the requirements on their website.

This bank is absolute shit. Don't go near it. It is based in Wollongong and it may as well be based on the moon. The service is absolutely crap.

New customer, transferred almost $20,000 last week to take advantage of the 4-month introductory interest rate. I find the app is incredibly… Read more

unfriendly and clunky to use. I contacted the chat bot earlier today to ask a question. It replied, but did not return to answer another query wanted to ask. I called the help number and after 15 minutes I gave up. Rude. My time is important too! I still have my ING account and will be returning my funds and business there once the 4 months has expired. Do better, BankWest!

Horrible to deal with. Carry on about scams while giving their customers a hard time

We have had all our accounts with this GODFORSAKEN appalling, inept & frustrating excuse for a bank for more than three decades. For the past two… Read more

years, they have made us literally & physically jump through hoops & hurdles (both online and and at their absolute punish branches) with their relentless 're-identification' processes ... all of which done more than once and still they botch it up or claim 'mismatching' or request more. This on top continual issues including not seeking customer authority & altering payer titles (so that your company name does not appear when paying your bills - that was a THREE MONTH BATTLE with St George to reverse). It's both beyond a level of ridiculous, bordering on sheer stupidity where common sense does not apply with St George. Once upon a time (especially when they were known as ADVANCE Bank), they were fantastic, now I can unequivocally state the ABSOLUTE WORST bank in Australia. Save your sanity and DO NOT BANK WITH ST GEORGE (I would add, neither their 'parent bank' Westpac). PS. Just read the over 90% terrible reviews here & see if you can even find even just one reply from a St George rep acknowledging the troubles they are causing for customers. You won't and it shows just how arrogant they are.

absolutely shocking customer service and i am moving to an international back

MyState Bank is congratulated for its responsiveness to my situation. It has a $20 and 5 card taps requirement for bonus interest. I needed a… Read more

replacement card when mine was lost. But I hadn't completed the 5 taps for the month. The new card didn't arrive in time because of a local mail problem. The bonus was applied gratis..Telephone negotiations were friendly and supportive. Total opposite to my experiences with UBank.

I have been a Westpac customer for several years, and credit where it is due, the service at my local branch has generally been very good. Despite… Read more

staff dealing with increased workloads, busy branches and several branch closures, I have always appreciated their efforts.

However, my experience with Westpac’s online dispute resolution process has been extremely disappointing and frustrating.

My dispute case was open for almost two months. Throughout this time, I provided all the requested information and supporting evidence, only for Westpac to abruptly close my case without any meaningful communication, discussion or opportunity to resolve the matter.

What makes the situation even more frustrating is the timing. The case was closed late on a Friday, leaving me with no opportunity to seek clarification or speak to anyone until Monday. Meanwhile, Westpac proceeded to charge my account.

This is simply unacceptable customer service. After being a loyal customer for years, I expected far better treatment, transparency and accountability. Closing a dispute without proper engagement, particularly after keeping it open for two months, shows a complete lack of consideration for the customer.

It is disappointing that the positive experience I have had with the staff at my local branch is so poorly reflected in Westpac's online dispute resolution process.

Westpac seriously needs to review how it handles customer disputes. Customers deserve more than an automated closure, a lack of communication and unexpected charges. I am extremely dissatisfied with the way this matter has been handled, and this experience has disappointed me about Westpac.