Review your last buy on ProductReview.com.au
Part of ANZ 1.3 
ANZ Online

ANZ Online

ANZ Online
1.2

1,002 reviews

Positive vs Negative
2%98%
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Transparency ?
1.3
Customer Service
1.2
Brand Manager for ANZ? Claim your listing.
1 L G.  · Worst bank in Australia for loans, Internet banking, and all other purposes.
1 Dom D.  · Absolute terrible. Service not existing. Would never recommend them to anyone.
1 Mark  · ANZ you are a disgrace. You do not look after long term loyal customers and your complaints team are not even human in their reaponses
1 William A.  · Wasted many years being a customer of this bank, Don't deliver Don't care Don't be fooled they only want your money and don't want to give it back
1 Aaron  · No service. Blank AI responses. Cases never found in your favor. If you loose money. They dont care
1 Scott A  · ANZ are not compatible with medically retired frontline workers in NSW on insurance income. Avoid.
Andrew M.
Andrew M.
  Online

Opened a credit card online - no problem. Then the horrors started. Called to verify - person on the phone cut the call / the line disconnected. Next person told me they couldnt do this process over the phone because they couldnt verify me - but gave me a bunch of my own personal details anyway? The nightmare to get this stupid card working, to… Read more

get the app working. Then the scam of elligibility on points... no thank you.

Useless card. Useless staff.

Bam
Bam5 posts
  Online

Currently on the phone to ANZ, 4hrs 15 mins, now waiting to talk to the 6th person, and still have not been able to get to the correct area, been hung up on twice during transfers. How can you do it so poorly?

Ask the reviewer
Kereliz
KerelizNSW8 posts
  Online

ANZ want you to use their Chat App to communicate. 1st up you jump through hoops with an automated BOT, Today I got through on the Phone, which was offshore. She had kids screaming in the background and then the line was active however no one there, so had to end the call. This is extremely poor Customer Service, all working from home, and the… Read more

Customer does all the work. BUT!!! they want a survey to tell them they are great, they are not. I suggest anyone having problems go to the Financial Ombudsman. The ANZ Case Manager person she works from home too. The whole Bank needs a wake up call.

Reviews with attachments

  • Thumbnail
Rick M
Rick MNSW
  Verified Online

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

  • Thumbnail
Johnny Fraser
Johnny FraserNSW
  Online

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

  • Thumbnail
Sumo
SumoNSW3 posts
  Online

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

  • Thumbnail
LME
LME
  Online

Absolutely poor. over 4 months and the payid is still not activated on my account. Show details

  • Thumbnail
Lewis S.
Lewis S.27 posts
  Verified Online

ALL I WANTED TO DO WAS PAY OUT MY CREDIT CARD. After a run around with there phone system which is rubbish I finally got to waiting inland ne on the phone for. 36 MINUTES bull stuff. Then have a customer service representative tell me I have to go into a branch with 100 points of ID to close my account What a crap bank with no service. Didn’t need to go to a bank to open account????!!!!

  • Thumbnail
Kristy T.
Kristy T.2 posts
  Online

The most disgusting infuriating experience I’ve ever had with any business. Restricting my accounts when someone is disabled is beyond disgusting. An hour and 15 minutes later and no help what so ever. I’m appalled. Don’t use this bank. Use anyone else. In fact a friendly reminder that we need to go back to using cash and get rid of these blood suckers. Show details

Latest follow-ups

  • Thumbnail
Benjamin
Benjamin
  Online

Worst bank! They lock me out of my account all the time, then I have to call and wait 20min on hold. Then they ask me who was I paying, what was it for, have I paid them before, etc very invasive and rude questions. They can’t be trusted with your… Read more

money!! They control it!! When I refused to answer the invasive questions they refused to unlock my account and hung up.

 Follow-up  · My bank account is unusable, ANZ have got so much control over my money, they refused to give me access even though I’d gone through the security and they knew it was me, I had to tell them everything I planned to spend my money on before they gave me access again. I’m leaving the bank never to return, the formal complaint got nowhere, I said it’s not resolved and they cancelled it anyway. This bank can’t be trusted!!!!!!!

Borja
Borja
  Online

This is the wors bank in the world,they are going to do everything that they can to help the criminals and scammers to get your money. And then they will never try to help you.

 Follow-up  · What exactly happened? The ANZ make me wait for they investigation Whit no communication at all they sent me a email Whit they conclusion. In this conclusion they admitted and prove that they didn't even read or investigate the issue. They didn't result the problem and refer me to make a complaint on AFCA I try it but no option for ANZ no possible… Read more

Karen Joslin
Karen JoslinWA7 posts
  Online

1.3 rating. Does not surprise me. Absolutely worst customer service ever. Blocked my account twice today. Tried message. Robot did "not understand". Tried to call . Again answered by another robot that did not understand. When I finally got through… Read more

and had my account unblock they immediblocked again as soon as I started to withdraw my money. Absolutely disgusted

 Follow-up  · Did I try again....yes several times with still no joy. Because I can't remember a numeric verbal password that was set up 30 years ago when the account was opened and the sms they kept sending which did not arrive we I have since found in a spam folder they will no longer speak with me. Alk because I was moving money from one of my accounts to another of my accounts via the app. Account and customer number still blocked

Karen Joslin
Karen Joslin   

And here we are 2 weeks later...still blocked....and "complaints dept" who did call back don't… Read more

Banks

Find out how ANZ Online compares to other Banks

Know better, choose better.

Compare all

Positive reviews

Kate S.
Kate S.VIC
  Online

Excellent service, Muhammad was able to the resolve the issue in the course of the interview. He was personable, an excellent listener, manifested by precise questioning to appraise himself of the issue at hand. All of this after my having numerous tedious phone calls to the ANZ Bank's Help Line to hear "yes all fixed it will be online in 24hours" BUT it never was!!! Highly reccomend this gentleman and his office. Thankyou Kate Stewart Show details

Kent P.
Kent P.2 posts
  Online

Yesterday I went into ANZ in Southport Qld to report a scammer that accessed my account. I spoke with Susan who provided exceptional customer service. She empathised with my situation and checked everything in the system was noted and my card was cancelled. Susan gave excellent advice on options on what to do and expect from here. Her listening… Read more

and problem solving skills helped me immensely. I'm T1 Diabetic and realised my blood sugars were going low as I hadn't eaten lunch and I had no cash and was I unable to access my card. I needed to eat urgently so Susan loaned me $20 (from her own personal account) so I could eat. I was super surprised at this beautiful gesture of good will from Susan. I have been into the ANZ in Southport Qld many times and have found every member of staff at that branch has been very professional and helpful everytime. Merry Christmas and thanks to you all......especially Susan.

Jamie and Nell
Jamie and NellNSW2 posts
  Online

I have recently been diagnosed with terminal cancer no longer able to work but with 40k loan left to pay to my surprise ANZ cleared my loan and I no longer have to pay back the 40k thank you so much ANZ And having been a ANZ customer for 30 plus years I have had no problems with them in all that time Multi loans and business financing and many over drafts thank you again ANZ Show details

Negative reviews

jeff
jeff36 posts
  Online

ANZ wants to block my account due to some review of my id status i have been using anz for 35 years and my id isn’t good enough any more. I want to close all my accounts with ANZ now and there restriction is making it impossible to do. I use ANZ to access my pension account now I have no income a cannot pay any bills. I now have open another… Read more

account with commonwealth bank because my land rate payment is now overdue and I missed my car registration payment and can’t use the car. There to bus stop anywhere near by.

bhavi.tush1979
bhavi.tush1979TAS
  Online

Zero star rating for Such a pathetic telephone service, takes ages to get connected to representative on phone. Have been waiting for the last 40 min and going on.....

mllllllll
mllllllll54 posts
  Online

i would like to complain this woman name vi v i a n from hardship team, she wrote wrong letter to me n i never applied for hardship assistance with ANZ n I was applying for a loan top up instead!!! poor customer service n she insisted that she was right n despite of the fact that I told her off that ANZ needs to sort it out the mistake was made… Read more

by ANZ philippine call centre that the incompetent staff made a mistake n despite of I told her NOT to leave any note on my account!!!

NOW just as anyone wrote the review that it’s NOW ANZ bank philippine

the philippino just couldn’t do any customer service jobs, they messed up citibank Australia n citibank singapore, then the utilities, telco n ebay au n NOW ANZ Australia .

since i’m paying off my loan v soon, time to cut off ANZ bank Australia owned by philippines !!

Never bank with them , they moved the call centre job to philippines bcoz they spent all the money promoting LGBTQ far left ideology!!! hAhaHa n we are better off without ANZ bank n another bank that’s owned by blackrock!

mllllllll
mllllllll   

just someone said n i strongly believe SO The bank of Philippines! There is nothing Australian or… Read more (+1 reply)

Recent reviews

Matt B.
Matt B.WA
  Online

Absolute rubbish service. They spent loads of money on their Falcon protection add, but we had four transactions for over $10,000 all for eastern states organisations appear on our credit card without any notifications. First I heard about it was when they sent me a text message to say that my credit limit had been exceeded. I have tried to… Read more

contact them but spend hours on hold and then finally told that it can take 35 business days to resolve. They won't remove the transactions pending the investigation, and now I'm being charged interest on these amounts and purchases are being declined because I'm supposedly over my credit limit. Now when I call them to inquire on the progress I get redirected to a voicemail that says my credit card is over limit and if I don't pay I will be penalised. All the while I'm having to transfer money from my offset account into my credit card so I can continue to use it which means I pay more interest on my home loan. Absolute shambles of an organisation!

Jeff
Jeff5 posts
  Online

An absolute disgrace of an organisation. The customer service is an utter joke, they sack their in person staff, their phones take an hour to answer and then they don’t help you and their chat service is laughable with foreign customer service rep taking hours to complete a conversation and then making mistakes closing incorrect accounts, asking… Read more

for information over and over again and saying they can’t help you on pretty much everything you need help with. I’ve closed all my accounts after more than. 20 years because of absolute frustration with their incompetence and terrible customer service. For a company that makes billions of dollars a year, not only could they do better, they bloody well should be doing better!

John W.
John W.2 posts
  Online

The bank of Philippines! There is nothing Australian or New Zealand about this bank. Every department is located in the Philippines. There is zero customer service unless you download an app. Waiting times are long , that must be due to the international call you're making to the Philippines!

Banks

Find out how ANZ Online compares to other Banks

Know better, choose better.

Compare all
Alex
Alex
  Online

I have been with ANZ for 12 years. Customer service user to be decent though recently I contacted them 5 separate occasions (online and telephone) to get my new card as the current one was expiring at the end of the month. Long story short my card expired a new one wasnt sent out as I had verify my id for the 6th time, provide email, home address,… Read more

telephone number and the last 5 transactions on my card. I said to customer service at this point its easier to open a new account with a competitor - they didnt care. My savings account had savings interest held as I was taxes as though I wasnt a resident despite them having my nation of birth (Aus) my address, they classed me as a non resident and withheld money. They refunded one financial year as I provided my TFN though nothing could be done about the previous 11 years and it was my issue to chase up with the ATO as ANZ did not declare their earnings from my interest to the ATO. This is illegal and are ripping off customers.... Then my credit card also could not be delivered to the correct address due to their incompetence for 10months finally they delivered to the correct address and instantly charged me card fees and membership fees I asked for a reversal as I hadn't had access to my account for 10months, they did refund though now I have to call them up again to nominate the account I want the refund to despite nominating on the phone there and then they said I would have to call back when the refund has been processed..... I have wasted countless hours on chasing up ANZs shortcomings and they also embezzle your money and charge you fees for them to provide "customer service" staff. What a joke of a bank. Currently im in the middle of moving to another financial institution that is more competent and no it is not one of the big 4. Richest 4 banks in the world, clearly my experience sheds some light on why.

Kate k
Kate k8 posts
  Online

Very disappointing experience with ANZ Plus. The credit offering initially looked competitive and appealing, but once I was onboarded, the terms and credit conditions changed noticeably. It feels like customers are drawn in under one set of expectations, only for things to shift afterwards. After many years with ANZ Bank, I’ve decided to leave.… Read more

What stands out just as much as the experience itself is the complete lack of acknowledgment—no effort to retain a long-term customer or even a simple “sorry to see you go.” I would strongly advise others to read the fine print and be cautious with ANZ Plus. My experience has been far from what was initially promised. Beware!

Mouli
MouliNSW16 posts
  Online

very frustating customer service. just remember if you want to bank with ANZ be ready to spend every time you reach to speak some one you need to wait on phone for over one hour. some time. after waiting for one hour it simply disconnect. then start again. i am sorry to see our prestgious bank is not doing well to solve customer problems. Show details

Sharene
Sharene
  Online

0 Stars I have been banking with ANZ for 20ish years, they have closed the banks I started with, so reduced actual tellers to resolve issues. ANZ froze my account 2 months ago for not updating my details, I have never changed my details, except my email, of which I notified them of, it was locked for 1.5 weeks even though I had notifications… Read more

thanking me for updating details. This caused home loan payment failures to my other bank. I thought at this stage I should cut ties, but I am loyal and gave second chance. Wednesday last week they locked my account again, my fortnightly wage had just gone in. I sent a message "I believed I had updated". They sent "After investigation, we see that you have updated, but your son hasnt, we will contact him". This is a savings account I have for my son, he has no access to it. The next day my wage was missing, Transactions only went to 3days previous, there was no record of my wage being there. I rang customer service KYC (Know your Customer-department that restricts accounts for not updating details) They say they can't see balances, I tell them I'm closing childrens accounts, so no longer an issue, unlock my main account. Why if there was a problem with those accounts, did they lock my main account, but not the smaller accounts. They said my wage had bounced back to employer. I have closed all accounts except the main one that is still restricted. Friday: they said retrictions would come off 24-48hours later. Monday: They sent an email to my old email address(the one I don't use anymore, so lucky I looked) of which I had updated. Requesting me to update all my details again. They don't need my details, I just want to close account, I have emailed and given my new account number to transfer remaining funds, then close account. I am sitting here Good Friday(9days later) still restricted account. ANZ give me my money/close my account. I have never been overdrawn, you have always had my details. You have left me without money for 9days over a long weekend, and again home loan payment failures due to your lack of professionalism.

Andrew
Andrew5 posts
  Online

so you close your account, ok, but then they won't let you log in anymore, and they send you texts that you owe them money. How can I owe you money, I don't have an account! I can't login and see the statement!

ABC
ABCQLD36 posts
  Online

BUSINESS CUSTOMERS GO ANYWHERE ELSE!!!!! Why cant you give less than 1 Star. We are a business customer - i have spoken to two departments this morning who eventually figured out it was YET ANOTHER FALCON F>>>>> Up This has resulted in me being on hold two two departments for over an hour each time. I am now through apparently to the department… Read more

that can help me, and have hgad 1 hour and 37 minutes so far. If you are a business customer especially, I would go to any other bank to avoid the chest pains and stress of dealing with this bunch of.....

Helen M.
Helen M.WA2 posts
  Online

Worst service ever. I've been trying for several days to speak to someone online and over the phone but never get any answer. Customer service needs some serious attention. By the time I do get hold of anyone they will probably say I left it to long and they can't help.

Markus
Markus21 posts
  Online

I'd give it zero if it was an option. It is useless, delayed conversations with apparent "humans", is a crock. I have tried to resolve issues a number of times with the online support with no success. The last example was due to the conversation taking so long for responses from ANZ I had to go to bed, then when I got up in the morning they had… Read more

responded, not solving the issue, closed the conversation and even the chance to provide feedback had timed out. What a joke.

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.