AI reviews summary
Sentiment is overwhelmingly negative, driven by severe frustration with offshore call centres, excessive phone wait times exceeding one hour, and the frequent blocking of accounts for "Know Your Customer" (KYC) or security reasons. While individual branch staff are occasionally praised for their personal service, the broader organisational processes are described as incompetent, particularly regarding deceased estates, business banking, and fraud disputes. A significant number of long-term customers report closing their accounts due to a perceived decline in service and a lack of respect for customer loyalty.
Pros
Cons
Verdict
ANZ is currently struggling with significant service delivery failures, particularly regarding its offshore support and account security protocols which frequently penalise legitimate customers. While visiting a physical branch may provide a higher level of personal service, the bank’s digital and phone-based infrastructure is widely considered unreliable and frustrating for complex banking needs.
I have just received a letter about a credit card number 4564627116737479 that does not exist they say i have not used it fot 12 months it should have been closed by them i don't get statements online or by paper for the card they say they will charge me for fees or charges that are not outlined on the letter I will be puting a complaint online abouit their actions the credit card can;t be founde on the netbank I have added a copy of my accounts
I don’t know if anyone has been watching ANZ Falcon Security service on TV. Its a real laught,you see a Falcon fly into a home and land on a woman’s shoulder looking at what she is doing,the only problem is this falcon is wearing glasses,normally Falcons have 8 times better vision than humans,I guess they did not want to pay a Falcon with good eye sight to do the add for them,I do hope this Falcon is not looking after my account Show details
ANZ let someone accessed my account and transferred $11,450 out. I reported to police and ANZ. ANZ concluded that I was at fault when someone impersonated me to bypass their security "system" and gained access to my internet banking, all while I was abroad. I'm closing all accounts with them now.
Reviews with attachments
My complaint is below, but first an introduction to the complaint. ASIC recently fined the ANZ 240 million dollars for a number of corrupt practices. 1. Handling a federal government bond deal: “Unconscionable” conduct in the management of a $14 billion government bond deal in April 2023, and incorrect reporting of bond trading data to the… Read more
federal government, “overstating the volumes by tens of billions of dollars over almost two years”. 2. Customer hardship: Not responding to hundreds of customer hardship notices, sometimes fortwo years or more, nor having adequate hardship procedures. 3. Interest rates: Making false and misleading statements on its savings interest rates, resulting inthe wrong rate being paid to “tens of thousands of customers”. 4. Deceased customers: “Failing to refund fees charged to thousands of dead customers” and “not responding to loved ones trying to deal with deceased estates within the required timeframe”.
My complaint involves the fourth item mentioned above. My brother passed away in March 2025. Unfortunately he banked with the ANZ. There bereavement team have been absolutely abysmal to deal with for my sister and myself. The stalling and ignoring of the bereavement team, despite letters, emails, documents supplied, phone calls, etc, all have resulted in still no outcome after over six months.
Does the ANZ think they can keep customers deceased funds permanently? Do they think people will become weary and let the ANZ keep a person's deceased estate? Are they just incompetent, willfully negligent, or corrupt? In my view ASIC has failed to fine the ANZ Bank enough, and there total disregard for people dealing with the loss of a loved one is absolutely disgraceful..
For a full review of ASIC's findings https://theconversation.com/anz-has-been-hit-with-a-record-240-million-fine-these-lessons-should-have-been-learned-years-ago-265274
My credit card was suddenly blocked while I was trying to make a legitimate purchase. ANZ's security measures have become so restrictive that it's becoming impossible to use their services with confidence. To unblock the card, I was told I needed to visit a branch in person. Not over the phone. Not through their so-called secure app. A physical… Read more
branch.
How ridiculous.
Finding a branch close enough was another challenge altogether, given how many of them have been closed in recent years.
As a result, we're now in the process of closing all of our ANZ accounts and moving our banking elsewhere, to an institution that still believes customer service matters.
Avoid.
I paid for something online ended up getting a refund after a long process then anz decides they want to keep it an extra 3 business days bank's like this make me sick how much money do they need im waiting on a massive $114 and they keep it for 3 days after it took me so long to get it back right when I needed it most and to add insult to injury… Read more
anz plus have no contact number I can find. I rang the normal anz who just brushed me off im done with this bank. My advice is bank somewhere else with a bank that cares about there customers
ANZ has a very clunky online banking website. The most simple transactions are difficult. They don’t answer calls. The automated help desk service is slow if it responds at all. I avoid using my account with this bank and will be closing it as soon as I can. Show details
I was served by a consultant called Aly and he made it so easy took care of everything and even found that they have been making illegal transactions since November 2025 he gave me the name of the merchant and I googled it there is no company under this name it’s a scam and when I told Aly that I was going to check them out he said any information… Read more
that you find forward it on as it will help your case so thank you Aly for your patience and great information and insight
very sad to say,l been with this bank for over 30yrs and today,l had the worsed experience ever from they blocked my anz app and when l rang them l got disconnect twice and after giving them my details they couldn't call me back,disgusting all round, im thinking im not the only one,need to close my accounts and move on.. Show details
Absolutely poor. over 4 months and the payid is still not activated on my account. Show details
Latest follow-ups
made an appointment at the local Albury anz branch to see about my options with my home loan, as im struggling on a disability pension, they (the manager) cancelled the appointment. The Dispute Department just wanted to close the complaint without… Read more
any investigation. I organised a return phone call from the mortgage department, but they never called back. after 18mths i have still got no help and still on a bread and water diet to make ends meet, they put more effort into not helping and afca is a waste of time and won't even give me answers to simple questions
Follow-up · 18 months after this and still no help from the bank, they just handballed me to different departments, and some even said "I don't know why they sent u here". The regional manager basically just laughed at me, and didn't want to address it. i only found one individual who tried to help by arranging a callback from the mortgage department for the… Read more
ANZ ruins old lady's holiday – Mother attended local branch to advise she will be travelling to Malaysia today and for how long. Assured by ANZ staff everything is in order, can use credit card. Last night she made two purchases from Perth airport's duty free and card was locked… Read more
on suspicion of fraudulent activity (3rd purchase was blocked). Upon arriving in KL, Malaysia today, turned phone off flight mode n received SMS from ANZ notifying about fraud and locking and to reply "1" if all is ok. Did this but card still locked. Called ANZ's overseas contact number, on hold in automated press 1, press 3, press etc for 17 minutes and no answer from a human. Card is still locked. Luckily I have $$$ to assist mum financially while on holiday due to my awesome bank, BankWest. ANZ are terrible!
Follow-up · Mum informed me she contacted the ANZ upon return to Australia and was not given any explanation why her card was declined. Mum closed her accounts and moved to another bank.
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Requested to confirm ID. Two days after took ID into be verified. Demanded that it be scanned ... declined due to being uncomfortable. Emails IP reflect an overseas address. Made contact with Let's Confirm Your identity to request an indemnity… Read more
form as advised by banking ombudsman unable to supply said to call into local branch, lodged request via Complaints line 8 days ago heard nothing, rang but after 1.5 hours gave up. Now have frozen my accounts ... even though no communication was attempted nor responded to my requests. Banking ombudsman confirmed no need for bank to scan ID.
Follow-up · Lodged a complaint .... no license does not required to be scanned. Staff untrained was the cause.
Positive reviews
Had a very pleasant experience with ANZ Bank Booragoon. Was very well looked after by Gagan in securing excellent Term Deposit conditions, opened up an SMSF Hub cash account which surprisingly pays excellent interest with no catches. Gagan went over and above what I expected from any consumer service, but considering its a bank, I'm giving her a super call-out. Well done Gagan. Show details
KYAH PERHAM was an absolute gem! We’ve had awful experiences on the phone (like everybody!),?where no notes are taken and no real effort to solve issues seemed the norm. Please Kath, train all the new staff and refresh yourself the phone staff! Thank you so much.
Recently we went into the Carnarvon Branch and had an impromptu meeting with Lorna the branch manager. We were very frustrated trying to get some paperwork through as executor of a deceased estate. Lorna listened, took time to understand and contacted other departments to get us back on track. Her efforts were amazing and really well appreciated. Many, many thanks Lorna.
Negative reviews
Received letter to complete KYC for my father who has dementia, is disabled and living in aged care. I hold PoA which is on file with ANZ and I am also a customer. Bothe he and I have been customers for decades. Read letter and determined that I could not do online. Made appointment at Macquarie Centre NSW branch for 10:00am 9th July and attended… Read more
with letter and ID documents. Was told that they would need to see my father to complete ID, otherwise I could phone the KYC contact number. Later, called the KYC team and completed process. I asked whether I could have undertaken process in branch and they advised me that I could. Wasted my time and it just appears the staff are either poorly trained or lazy.
I applied for a credit card with them, got approved and at the time to verify my ID online, I noticed they changed my SURNAME without calling me to check. Helped themselves to taking one of my surnames (I have two) and added under Middle name. When I called to complain and ask for this to be rectified and the information to reflect exactly what I… Read more
completed on the application form, they said I would have to go into a branch to sort this out. There is no way I am leaving my house to sort anything out because of a mistake they made, when I could have otherwise verified my ID online. Quite concerning that a bank is helping themselves to changing client information without consulting us and when this is called out, it becomes the client's problem, rather than you coaching your team. Absolutely dodged a bullet here and just asked to cancel my application altogether. I want nothing to do with this bank. Beware!!!
Well long time ANZ customer. Just recently got asked to update profile. Did this at Branch. Then they sent SMS asking for it again.Did the update this time by phone told sorted. Next log in to app and asked again. This is a worry with systems this poor how secure is banking with ANZ.
Recent reviews
ANZ has a serious admin and corporate culture problem that is well past delusional. I had an experience where a branch member spent 10 minutes looking at her screen, then finally told me, "I need to contact the other department, but the other department has no contact number." Then we sort of stared at each other for a while. It's now near… Read more
impossible to get anything resolved in fewer than 3 visits to a branch. In the first visit they will refuse to serve you without an appointment. When you return for your appointment they will tell you what documents they need from you when you come back for your third visit. These are routine things that my other bank can sort out in a single drop in visit to a branch.
The people who run ANZ have somehow managed to wrap everything in odd procedures that put simple tasks out of the reach of their own staff to solve, while patting themselves on the back for building layers of nonsense. Branch staff are trained to follow procedures even if they don't actually lead to a solution for the customer.
I called 6 times to do a transfer . Every time I was on the phone for 30/40 minutes.,and than was disconected. This is the most hopeless bank in the world. If I had a choice I would not recomend ANZ Bank . A Terrible Bank !!!! After calling From overseas and spending 180 euro .i still did not get the transfer done. Terrible Bank . Show details
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I have had enough of these clowns. I am traveling and they keep freezing my card. They send a text message to my Australian number expecting me to text back each time, which doesn't seem to work on my roaming plan why I try to reply. I have informed them numerous times of my travel plans yet it keeps happening. I don't know why I still bank with… Read more
them, and on my return i will switch to someone else. I assume they are using AI for these tasks and are making a true mess of it. Terrible and frustrating.
ANZ put restrictions on my account now 3 times. Each time they said the issues were fixed and then again a few months later it happens again. Can't receive payments from customers and can't even buy groceries even though we have thousands in the bank. Will be taking Home Loan and business elsewhere
Reported fraudulent activity on my card. They said will check with merchant and get back. Been 2 weeks since. Still no response. Also replacement card hasn't been delivered. Customer care is dumb as trash. Fraud team that addressed the issue was useless and totally hopeless.
Holidaying in Thailand when I cancelled a booking with Trip.com. The refund never showed up in my visa account. I contacted Trip and they informed me in writing that it had been refunded and to contact my bank. I started the enquiry with ANZ support at 11am and got a response 3 hours later. The messages went back and forth for the next 9 hours at… Read more
approximately 2 hour intervals with no satisfactory solution. Final response at 3:25am. A 16.5 hr waste of time. Banks, especially ANZ are no longer helpful and are only interested in taking your money and reducing services (if you can call it that). I have a Wise account and they are very helpful, I believe that ANZ are an antiquated bank with an arrogant approach to their customers!
ANZ has become so out of touch with ordinary people and so bureaucratic that my local Cleveland, Qld, branch no longer has a simple sign up outside with opening hours. That would make life too easy for customers. No, instead it has a QR code that you need to scan to get into the ANZ website, then try and find the branch online, then find opening… Read more
hours. Extra hideous layers of bureaucracy that seemed deliberately designed to annoy people. The QR code sometimes works, sometimes doesn't depending on whether the glass doors have been cleaned lately.
Calling for advice for transfers prior to my loan completion. Was unable to get verified despite having all the information logged as needed. Called again saying I wanted to open an account as it seemed like the only way to get through. The customer service officer didn't seem to understand what I was asking for. I politely asked if there was… Read more
someone else I could speak to that might understand me better, at which point she started to speak to me an a raised tone and continued to not answer the questions I had asked until I hung up feeling very frustrated. Heading into the back to speak to someone in person. Not happy with the interaction at all
Incredible difficulty getting a real person on the phone, not able to be identified, after I finally did get someone, so had to attend a branch - nearest- an hours drive away!!! Get home and problem not fixed. Difficulty - and no one able to help on phone again . Told I need to go back to the branch - again!!!! - I don't use/ nor want to use … Read more
the app - I am set up for internet banking but cant do anything on it! The whole thing is a total disgrace!! My advice to anyone is - have absolutely nothing to do with this "Croc' of sh*t that calls itself a bank!
We recived an email from ANZ requesting that my wife "re identify" herself. This function can supposedly be done online. My wife no longer has a driver licence, but has a current Medicare Card. Her middle initial does not appear on the Medicare Card, but according to ANZ this is not an issue. Simply type in the middle name and proceed to the next… Read more
question. We tried this process about 7 times and recieved the same response each time. i.e. the deatils as submitted do not match. My wife suffers from dementia, and has very poor mobility. We had not other option but to go to an ANZ branch. To get your foot in the door at ANZ requires one to make an online appolintment. The lady at ANZ also had the same problem and could not get the Medicare card to match up. They agreed to aceept a NSW photocard for ID purposes. We have bewen ANZ customers for over 20 years but still we have to put up with this sort of nonsense. I would strongly suggest that ANZ gets its act together and stop pushing people around like this. Like all the others out there ANZ is run by an arrogant bunch of totally uncaring people. A total disgrace. ANZ needs a wakeup call.
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