Australian Military Bank

Rechelle from Australian Military Bank in Edinburgh is so amazingly helpful. She was able to get me a very good interest rate and helped the loans AMB had on offer fit my complicated personal situation. Clearly a very experienced lender. I strongly recommend her and AMB, she is always down to have a friendly chat too

I funded my mortgage through Milbank and was fortunate enough to get Sash Dahiya as my mobile lender. Sash was fantastic throughout the entire process. He assisted me with property searches and market valuations as well as being on hand throughout the entire process. I settled my mortgage back in 2022 and Sash is still on hand whenever I call… Read more ·  1

looking for assistance or guidance. I could not praise the efforts of Sash enough. Thanks mate for making this process so easy.

Terrible Software & Uncompetitive Interest Rates – AMB does not have a competent software team … not even close. Their online banking software is terrible. The latest bug prevented me from doing a simple thing like updating an address, and it left a trail of destruction with a partially completed online account application that I could not undo. The warning banner read as follows: “We are… Read more

currently experiencing intermittent issues with our address edit functionality via online banking. If you need to make changes to your residential and/or postal address, please use our mobile app or give us a call on 1300 13 23 28."

Having to call the Contact Centre has its own problems, and I will never under any circumstances install an AMB app on my mobile phone. If they can’t get their web site right then I seriously doubt that their Android app can be trusted with all of my money on a mobile device.

This is the second time in recent years that AMB has caused major problems, with the previous instance being the disastrous roll-out of the current online banking software that inspired me diversify my accounts. I will not allow it to happen a third time and am transferring them to another bank. The whole point of online banking is to make life easier. AMB’s software does not … it makes life harder.

In addition to the poor customer experience arising from what appears to be an under-resourced technical department, AMB’s interest rates have also become less competitive. It looks like the institution might be about to collapse.

The team at HMAS Cerberus are outstanding – We recently undertook a big renovation of our home in Canberra, while we were posted here in Victoria. We aimed for this to be the one big renovation before we returned from this posting to settle back in our home, and were really trying to ensure that everything we wanted done could be done in one big job so as to eliminate the impact on us… Read more ·  1

trying to do this sort of work while we were living in it at the time. The renovation proved to be exactly what we wanted but came in well over our imagined budget as our Project Manager showed us what was possible. The team at Cerberus were outstanding as they worked patiently with us to go back and forth as we explored the limits of what we could afford balanced against getting it all done in one big job. They explored all options for us to consider and were patient as I came back a couple times in a minor panic as it appeared we might have committed to too big a job. They helped us understand what and how we could afford this, worked with us to get everything done quickly so as to ensure no disruption to the project and we couldn't be happier. I have banked with these folks for many years now and every time we've needed help the teams have stepped up to support us. The team at Cerberus have been particularly praiseworthy, and I can't recommend them higher.

Property Purchase with Tonia Veal at Australian Military Bank – Tonia Veal was our Australian Military Bank representative who assisted us with our purchase of our dream retirement home. She helped us assemble a thorough and competitive mortgage application, executed all required bank duties to ensure settlement, then organised repayments and insurance post acquisition. Buying a property with her assistance… Read more ·  1

was a surprisingly easy and stress free experience.

Tonia was professional, knowledgeable, pro-active and approachable the whole way and it was a genuine pleasure doing business with her. She knew what we and she needed to do and guided us throughout, facilitating a smooth transaction. She either took all our calls or got back to us in a timely manner. She always investigated and reported back to us on the few occasions she did not have immediate answers. Any potential problems were addressed before they became real problems.

We had a lot of confidence in Tonia by the end of the transaction as by then she repeatedly proved her knowledge and experience. I would happily engage Tonia's services again should the opportunity arise and we highly recommend her.

Rechelle at the Edinburgh branch is a fantastic employee of the AMB. Apology for my waiting time to chat, excellent knowledge of her work. A total asset for the company, well worth a raise. Show reply

Vanessa at Stirling branch made restructuring our home loan super easy. She even adjusted all the direct debits for the loan accounts and insurances. Hassle free. Thank you! Show reply

Professional, helpful and wonderfully personal service Tonia Veal at Australian Military Bank was amazing throughout my home loan journey. She was professional, helpful and approachable, and I felt more like a friend than a client. She explained the next steps in my application, kept me informed about my pre-approval, and followed through after… Read more ·  1

settlement with the paperwork and repayment arrangements. Her friendly communication and willingness to help made such a difference. Thank you, Tonia, for all your care and support. I’m very grateful and would highly recommend you.

Australian Military Bank pay 3.5% to savers in superfunds. This is about 1% less than for the same account not in super. To add to this, they have not passed on any of the 0.25% RBA increase to savers like us. Managed to pass it on to the borrowers though. Each time the RBA puts up rates the AMB makes a bigger profit on my money. Shame. Show details

app always crashes and they took forever to process my loan application

This place is terrible now. I joined the Australian Defence Credit Union in 1980 when I was working for the Department of Defence in Sydney, used to get loans easy, the ladies at the head office were so helpful and friendly with all sorts of questions you had for them back then. Since it turned into a bank it's it's ( don't think I can use the… Read more

words I want to) just terrible. Call the head office and you wait for I don't how long, I waited 20mins and hung up, and a automated voice tells you any answer they give you is just advice. And the online banking, stop trying to fix things that aren't broken. Can't log in or it takes forever to get in. Just disappointing ( big face palm) Fix your ship AMB. And you only got 1 star cause it was required.

Daniella was wonderful, she responded in what seemed like moments with the information I needed. Once I had done battle with the hotel involved and finally got the document she requested, the whole issue was sorted out and finalised in less than 2 hours. Show reply

Rechelle at RAAF Edinburgh is friendly, knowledgeable and professional. She went the extra mile to make our loans and mortgage a pleasurable and easy experience. Cannot recommend highly enough! Show reply

Staff were attentive and answered all my questions with detail and professionalism. The staff made the process for a loan application seamless and easy with no pressure. Thank you to all staff for making this experience positive with a great outcome. Show reply

Excellent personalised customer service. You get to speak to an actual human in your home state and develop a relationship as it is possible to deal with the same person again and again. Communication is excellent. I have dealt with a lot of banks and this one is a stand out by miles for their customer service! Show reply

We have worked closely with Sash from Australian Military Bank for our accounts and purchasing our first home. He made the process very easy. He was patient, clear and concise in a world that was new to us. He was very responsive and worked with our time frames which made life much easier. Having the one point of contact made it easy as well and… Read more ·  1

ensured continuity for us especially when lawyers and real estate agents were involved. We were able to talk over the phone, text, email and MS teams meeting depending on our needs. I highly recommend using the mobile service and very highly recommend working with Sash. We will continue to use this amazing service.

Rechelle was fantastic, always made herself available and was incredibly helpful throughout the entire home loan process. The entire team at RAAF Edinburgh consistently went above and beyond. Show reply

Applied for a consolidated loan to minimise fortnightly repayment costs from “pay day lenders” whilst also trying to juggle parenthood and rebuild my savings. The process from the moment I walked into the branch all the way through to the loan taking affect was seamless, the staff were very professional, polite and understanding of my… Read more ·  1

circumstances and took my concerns into consideration. The end result - I have already noticed a big difference and have been able to re start a savings account after battling bulk debt for too long. 10/10 would recommend.

I just bought my first home with loan from AMB, and want to say that Rechelle from the Edinburgh Branch was incredibly organised, friendly and efficient in her handling of the whole process. Whenever I had a question she would reply promptly and was always happy to explain further when required. She was proactive in dealing with all parties… Read more ·  1

involved in the purchase, and ensured that everything went smoothly. I am extremely grateful to Rechelle for her support during this process and will recommend AMB home loans to my friends in the future.

Rechelle at the Edinburgh branch helped us gaining pre-approval a DHOAS home loan. This was extremely easy due to Rechelle's excellent knowledge and her investment of time in understanding our situation, wants and needs. Rechelle was with us through the journey of finding a property and ensuring everything went well through to settlement (a very… Read more ·  1

short 23 days) and beyond. We've been with AMB for many years now and will not be changing due to staff such as Rechelle.

The service with AMB is exceptional. I've been a member for 30 years and have never had any issues whether over the phone or in person. The staff at the Amberley branch are great. Show reply

Fantastic service. Anthony helped us understand what we needed to do as first home buyers. Anthony Kuzman answered all our questions in a clear but understandable way, providing alternate explanations when needed. From the moment we approached Anthony, through to finding and finally buying our deam home, he was there as a professional support as… Read more ·  1

well as a cheerleader. Anthony went above and beyond to get our home loan approved. Ultimately, he was knowledgeable, transparent and responsive in his service. If we need to go to anyone about more financial assistance in the future Anthony would be our first contact. Thankyou.

I joined the AMB after the Up bank closed my account and wow I am so pleased they did. AMB leave Up in the dust when it comes to banking. They are streamlined and easy to use. The only thing that let's this bank down is their independent fraud team and the occasional bad customer service agent. Apart from that they are great. Show reply

We had an excellent experience refinancing our home with Tonia Veal from Australian Military Bank. The rate was great, communication was clear and the process was straightforward. Show reply