Applying for an ANZ credit card-a recipe for disaster
Mix together the following Ingredients:-
Poor quality phone lines,
phone consultants with hard to understand accents, lies, incompetence,
delays involving them saying they never received copies of documents you have already sent despite you having proof they were sent,
Refusing to accept certain documents when their website clearly states otherwise,
Claims that you didn’t reply to emails even though you can prove you did,
having to call the complaints line to get a response.
Combine all the above ingredients in an overseas call centre. ...No need to cook just wait & hope, & allow 3 or 4 times the amount of time you might expect it to take for a result. There you have the perfect recipe for disaster. Warning;- after indulging in this recipe you may suffer:- Time wastage, frustration, anger, confusion, disappointment, & it will probably leave a very nasty taste in the mouth. if affected please seek an alternative.
Don't sell me something I didn't ask for !
ANZ low rate balance transfer offer 22months 0% with a 1.5% balance transfer fee.
I was going to apply for this card online and came undone when the credit limit was only $15K.
I contacted customer service to see if there was the option of $40K, they replied of course no problem !
I was instructed to head into one of their branches to apply.
I did so & spent a good 45mins going through everything and handing over the details of the cards to do the balance transfer from.
I got approved the following day for the card with, you've guessed it, only $15K limit.
The product is a hindrance more than a help!
Avoid if you don't want to wait at least 3 months for a Loan Application
I submitted a Home Loan Refinance Application on 27-Apr-2020. I was advised by the bank that there was a 14 day lead time when I first submitted the application. As of 15-Jun I was advised that the application had not yet been looked at and the earliest (if no delays) would be 27-Jul-2020. I have since withdrawn my application and taken by business to the Bank of Melbourne who were able to provide a better rate and an approval in 2 days!
ANZ is culturally irresponsible, unresponsive with incompetent, careless and rude staff on their roster
I would bother explaining my complaint but your 1.4 star review rating does it for me! Let’s just chalk it down to your service being culturally unresponsive, incompetent and careless even when escalated to your customer complaints department!
I can’t even support my father over the phone without his account being blocked and him having to go into a branch. FYI Confidentiality is only breached when the party does not consent to their information being shared. Pathetic excuse for a bank.
My dad will be switching! Thank goodness I don’t bank with ANZ!
- Verified customer
Avoid and go elsewhere
This bank has to be one of the worst I’ve had dealings with ever. They are all happy and glad to work with you when they know you are going to ‘spend’ money with them. But once you need them to do something for you (ie dispute a transaction) they hide behind paperwork and ‘limitation’. Empathy is nonexistent, not to mention it took 2 months to actually speak to someone as no one calls you and they expect you to chase them.
- Verified customer
Terribly slow. Do not follow information provided. Terrible response rate
Applied for a credit card with them as a first-time customer. Their requests for documents was so slow and so hard to deal with as they call at odd and unexpected times, even when I've provided times for them to call, as they requested. Processing time is so long. No proper communication of updates that I have to be contacting them over and over to find out where it's at.
A month later, I had to email to find out if I've been approved (I have been) but I still don't know when the card will arrive. Was redirected by email to call the ANZ hotline but was told by the operator that I should be emailing them instead.
ANZ is all over the place. I don't see how they can be among the league of the Big 4 banks when Commbank does SO much better!!
Pretty Damn Good
I've been with this bank for over 3 years since I was 16. I've never had an issue with my banking experience, the call-in support has been average but having branches to go into for basic queries and a disputes team that acted quickly to get me back wrongfully taken money was pretty good and quick. Quite happy.
the worst of the big 4
ANZ locked my account due to a suspicious login, fair enough. They told me to call them to unlock the account, no worries. When I attempted to call the number, I was dragged through a lengthy menu to be told that their phone service is currently not active and I have no other way of unlocking my account. I am current unable to access my funds. I do not recommend that you use ANZ.
Look elsewhere before considering refinancing with ANZ
I was looking to refinance my home loan with another lender and chose to go through Aussie home loans and they suggested ANZ would be the best fit. Aussie were really great and very helpful, but ANZ who were initially very helpful but then they just dragged out the very simple process of refinancing my loan to the point of where I just couldn't wait anymore and stayed with my original lender. I was applying for a very basic no frills variable loan and I was not a risky proposition for them as I had 45% of equity in my house, and was only lookin...g to refinance $290,000. I applied 6 weeks prior to my current loan which was due to come up for renewal, and was told that was more than enough time, even in the Covid 19 world we are living in. I was told I would have a decision by no later than the 21/5/20 and that they would let Aussie know by then. After chasing them around for 2 days, I was informed by Aussie that a decision wouldn't be made until after the 1/6/20 which was 1 day after my current loan was due to be renewed. That means that the total time would have been nearly 8 weeks for a very straight forward refinance application. This also meant that my current lender would have charged me my annual fee to stay with them plus a discharge fee plus I would have been reverted back to my variable rate as well, because I was not able to move to the ANZ before my cut off point. This would have defeated the purpose of refinancing with the ANZ for the lower rate that they were offering and switching bonus that they were offering as well. In the end, If you can find another lender that can organize themselves more efficiently, where the promises that are made can be met, then you should go with them and give ANZ a wide berth. For a big bank, you would think that they could handle something as simple as a refinancing application. I'm sure there are other people that have good experiences with them, but in the end, they have lost my custom and will only receive a bad review from me.
ANZ customer service tells you to go away
The telephone support service, after a long wait replies sorry we can't take your call at this time. Please call later.
Customer service rating on this day: 0. Excuses over corona virus are ridiculous.
OK with credit cards but terrible call centres
Well firstly the indian call centres are just terrible as sometimes the accent is difficult to understand. ANZ sent me an offer for the COVID-19 concerning the credit card hardship. They offered me reduced rate of %7 and no repayments for the next 3 months. Potentially up to 6 months! a good offer i think. They usually refund the overlimit fee of $20 witch is nice.
Trying for 2 years to get them to release my own money
Over 10 years. Turned me when bank clerk in Balmain told me I was stupid for how my money was invested. Trying for over 2-3 years to get my own funds released. Today after calling phone number given to me by banking ombudsman finally hung up after 2 hours on hold. Now investigating my next move
Overseas contacts are horrible
Every time I call ANZ all I get is offshore contact centres. With record unemployment in Australia you would think that a bank with the name Australia and New Zealand bank would actually employ people from Australia and New Zealand!!
They failed to send money overseas in a month!!!!!!!!! while lying that money already being transferred to overseas account. Worst service ever, never recommend anyone for any sort of dealing...
Total disregards to the customers
I have been with ANZ for more than 12 years as a home loan customer (Break free package), We suppose to get 0.15% less interest than the applicable variable rate, and now we still pay interest 3.49% variable including the discount, so it is actually 3.64% comparing to most bank the average is 2.9%.
I tried to communicate with ANZ at least 5 times over the phone and waited more than 40 minutes to 1 hour each time on hold then the call disconnect.
I tried to send emails in total more than 3 times for some one to call me back, and I am still waiting for a response.
very disappointed, I do not recommend anyone to do business with the ANZ as they have no regards to their costumers.
Filled in form for Covid-19 requesting financial assistance as I am employed Part Time I was made redundant because of Covid-19,
We received a Text informing us that ANZ had received our form and if we could not make payments that our Credit Rating would not be affected and that someone form ANZ will contact us shortly to discuss our Financial situation that was 3 weeks ago,
We are still waiting so we moved money from our main acct to other acct's to cover Food,Petrol, Rent and the Electricity bill we just received,
ANZ magically charged us Lat...
It's My Money!!!
Have been with ANZ forever. Can't believe how many times I try to transfer my funds (that are in my account and showing as available) and the message comes up telling me it can't happen. Frustrated beyond belief so many times and getting that huge .01% interest for the trouble!
Rubbish bank and rubbish technology
ANZ is by far the worst bank I have dealt with let alone their ridiculous and untrained staff their online banking experience is so backwards. There is ZERO sense of CX or UX involved in their processes or products. No words can describe their terrible online experience. Whoever is directing the digital banking department needs to learn from other banks. It's either their digital lead is underqualified for the role or the bank itself just doesn't give a damn on improving their CX and UX
- Verified customer
ANZ - Waste of time
Applied for a credit card with ANZ on the 4th of March and went through the entire application process which included providing all of the required personal information that comes with these things. I receive an email with a link to upload some documents such as payslips etc. which I do straight away. 2 weeks later, I receive nothing from ANZ, so I give them a call. I get through to an automated message that says the wait time is 5 minutes, this turns out to be a complete lie. I was on hold for 30 minutes before someone answers the phone.
I p...rovide the guy my application number and basically go through the entire application process again. Then he tells me that I need to provide all of my documents again because the email they sent me with a link to upload documents isn't an acceptable method of providing documentation. This could've been made apparent to me rather than me having to follow up. So, I immediately cancelled my application. If the level of service is this bad before even being a customer, I'd hate to actually have services and be a customer of ANZ.
ANZ Credit Card Application. DON'T DO IT!
I was looking to change Credit Cards and noticed they were doing a promotion of waiving the first year fees. So good timing. I applied online and passed all my personal details. After about a week, I didn't get any response so I decided to give them a call. I called the first time and the voice prompt said it would be a 5 minute wait. 35 minutes later, I gave up and figured they must be pretty busy today.
I called another day and decided I'd just wait the full time. 55 minutes later, a person finally picked up the phone. The guy was rather ru...de when answering the phone, but after 55 minute wait, I really just wanted to know where my application was at. After verifying every single little detail (Probably enough to create a fake version of myself. It felt like I was being phished), my application was rejected along the lines of "The system can't give you a limit". Then he just hanged up. Wow rude. Not to mentioned the line was crackling like half the time so I couldn't hear him. The entire conversation lasted only 5 minutes. He must be on commission. I felt very rushed. Anyways, ANZ treats you like some low level scum. They aren't going to get my business. I hope they don't get anyone else's business too.
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