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Part of ANZ 1.3 
ANZ Online

ANZ Online

ANZ Online
1.2

1,023 reviews

Positive vs Negative
3%97%
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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.
cascade
cascadeVIC19 posts
  Online

Worst customer support in banking I have seen, not just in Australia but worldwide, having lived in many countries. Regarding a credit card dispute, I tried to call customer support, but I was forced to deal with a bot in the app. You leave a text message with the bot, and someone from God knows where responds after many hours. When I try to… Read more

respond, the app bot makes me go through the same silly questions all over again.

The process has now been ongoing for nearly half a year. This was clearly designed to make customers give up contacting ANZ customer support. They make many billions in profit every year but cannot be bothered to have a functional customer support system. Third-world banks provide better service for their customers.

Aleksandra Ż.
Aleksandra Ż.New South Wales
  Online

I have bank accounts in different countries and honestly none is as bad as ANZ. Not only in their statements you cannot see what the payment is for and sometimes not even who the merchant was, but whenever you want to transfer money to verified sources, they block it deciding if in their opinion it's right or wrong! Basically their illegaly and… Read more

against a customer knowledge and will can block your access to your account, block the transaction or your card with no option of unblocking. In all those cases you cannot do anything for even a week! Whoever creates the systems in ANZ is the most illogical and makes evrtything customer unfriendly. It's mindblowing as it's the only bank that has this practices. Under the cover of security they just make people's life as complicated as possible. We have a cpl of bnk accounts with them, but honestly after recent experience we will choose NAB or Macquarie or any other bank. Employ someone who think!!!!

Suzy
SuzySA16 posts
  Online

What absolutely rubbish these people are!!! [Content Removed] systems that are always down and the excuses they use. Lost so much money because the system is always down or there are software issues. Don't even deserve 1 star. DON'T USE THIS CRAPPY EFTPOS SERVICE!!

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Reviews with attachments

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ghostrider7au
ghostrider7auQLD3 posts
  Online

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.

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Jake F
Jake FQLD7 posts
  Online

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

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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

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Johnny Fraser
Johnny FraserNSW2 posts
  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

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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

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LME
LME
  Online

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

Latest follow-ups

littleblackcat66
littleblackcat66NSW6 posts
  Online

Dodgy bank. This cannot be happening – Is ANZ being run by a Cartel now? That's what this feels like it has turned into. They are so dodgy. Everything from their customer service team, who purposefully set you up, the complaints team, who are just so dodgy. The things they say, it's… Read more

been problem after problem for so long now, I've had serious problems because of their outages, brank transfers from clients for quite sizable amounts, that should take a few business days to come through. No. Every bank transfer, every single one, I've had to chase. They say they have the money they just haven't allocated into my account yet. I've also had really bizarre things going on recurring bpay payments, I rang customer service to sort something out, they ignored me, they were good on the phone but never did a single they said they would, then I noticed really bizarre recurring payments in my bpay for utilities for extreme amounts, I mean thousands a fortnight. I did not set this up. They have no idea who did. But then the payments that did go through, I had to reverse, went really awry. Bpay billers were doing really strange things, that could not be done by someone externally... then my credit card payments didn't go through for a couple of months, someone had switched them off, but it screwed everything up, my interest everything, did they sort this out? They offered to defer my payments and give me a couple of months off, pro gratia, now I'm receiving letters from lawyers.... they contacted my wife who doesn't bank with anz anymore with really bizarre texts about her payment plan, her number is not on these ANZ accounts... when she contacted someone at ANZ they said, oh you were making enquiries about your credit card... ummm no, she never had a credit card with anz, ever. Then I get six letters on the same day from ANZ. I tried contacting them to be completely ignored. Zero response, now I have a letter from a lawyer? I've tried to lodge complaints and everything against them and now I have to lawyer up?

This is extortion. I have been trying ti close the accounts only to be told there are problems. I try to ring customer service only to be transferred around. They've referred me to an investigation unit, but I hear nothing back. This is ridiculous.

 Follow-up  · I was never contacted. I tried closing my accounts only to be told there was a problem and they couldn't be closed. Went into a branch, the lady at the counter said this is a personal banking matter and said I had to call number and refused to assist me further. I asked to speak to the branch manager, who also couldn't close my accounts. I… Read more

littleblackcat66
littleblackcat66   

Oh that's right, they also turned off all notifications in my accounts, so I wouldn't get texts,… Read more (+2 replies)

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Benjamin
Benjamin2 posts
  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

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Positive reviews

Peter and desleigh yates
Peter and desleigh yatesQLD5 posts
  Online

I would just like to thank ANZ for their help with a recent amount coming out of our account. I contacted them immediately once I knew it was a scam and within 2 weeks we had the money back into our account. I cannot fault ANZ at all for their diligence with scams. I thoroughly recommend ANZ banking.

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.

Negative reviews

Anna
AnnaNSW13 posts
  Verified Online

I applied for a business credit card with ANZ and the experience was poor from start to finish. The promised call back never came. I followed up by phone, was told again that someone would call me, and heard nothing — I had to chase it up myself four days later. The application process itself was messy. My personal situation (not related to… Read more

business) involves an investment property loan held in a trust, and ANZ wouldn't consider the rental income because it isn't in my personal name — despite being willing to count the loan against me. That's an inconsistent way to assess a fairly common structure, and no one knows what to do with it.

Worst of all, I never received an outcome. After more than a month of chasing them up, I still have no decision either way. If the answer was no, a straight no in week one would have been far more useful.

If you have anything beyond a simple PAYG income structure, I'd look elsewhere.

Taharastar
TaharastarVIC5 posts
  Online

Anz has no service left which is why i jave changed banks. Called regarding unauthorised charges $450 to credit card and no details recorded and then when text received they quote visa rules and even within 10days they quote they dont know anything and nothing they can do. No protection over fraudulent transactions. I

Peter
PeterNSW6 posts
  Online

Once again ANZ has used it's fraud prevention to make my life difficult rather than help me. When travelling in Greece (of which I had notified ANZ prior) I tried to rent a car from a large global car rental company (Alamo). I has to enter a One Time Password verification code which was fine but then ANZ declined the transaction anyway as… Read more

"suspicious" (who rents a car when on holiday?). Then they put a block on my card. I had to use a different bank credit card and by then the price had gone up.

The one time I have actually been scammed ANZ were of no help whatsoever.

Recent reviews

parashurama
parashurama43 posts
  Online

Got a new ANZ business account opened, with a condition to transfer funds to Australian Crypto Exchanges. However, when I made a transaction, ANZ Falcon Digital fraud team blocked the transfer, 24hour over made 3 calls waited 50 minutes each, fraud team supposed to be available 24/7 but no one picked up the call. Funds are blocked and customer… Read more

care cannot do anything. Fraud team does not "feel" like talking. This is my first day customer support experience with a new ANZ Business banking.

Best of luck if you are being scammed or hacked and Fraud team is sitting on there be-hinds, and you are waiting to get hold of them while getting robbed.

Andrew
AndrewVIC2 posts
  Online

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.

Gabby
GabbyWA8 posts
  Online

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!!!

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IAN BAILEY
IAN BAILEYNSW3 posts
  Online

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.

Yvonne
Yvonne
  Online

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

Lewis H
Lewis HNSW3 posts
  Online

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

S P.
S P.VIC
  Online

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.

Gwyn
GwynQLD33 posts
  Online

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!

Pamela
Pamela2 posts
  Online

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!

BobS
BobSNSW23 posts
  Online

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.

Andrew Jones
Andrew Jones14 posts
  Online

Applied for a credit card, then received a call from ANZ customer service assistant based in India. This person based outside of Australia had access to all my personal sensitive information. Will never do business with ANZ again! Show details

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