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Australian Military Bank

Australian Military Bank

2.4 from 118 reviews

Don't do it

If you are after customer service and good rates, do not apply. Every time I have dealt with this bank it is on their time. They won't even let me get a payout figure without me jumping through all the hoops and this is even after charging me over 2 percent over the standard variable rate that other banks provide. Because there is no local branch I cannot even go to complain to someone in person. When I call the person I want to speak to is not available and will not call you back.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateSeptember 2010

App is rubbish.

Every time I TRY to use the app there always seems to be some sort of issue, or the "Bank server is down"!!! This is extremely frustrating, especially on pay days when I try to pay bills ect.

I have banked with them for 20+ years and have watched the slow demise of it, they have not started with the times at all. If I want tied to the bank with a mortgage I would change banks in a heartbeat.

1 comment
Hi Ken, we apologise for the experience received. Do you mind sending through additional detail to service@australianmilitarybank.com.au so we can look into this for you. Please reference Product Review. Regards ^BD

Amber's Excellent Help and Service

We would not still be members of The Australian Military Bank if it wasn't for the exceptional service, help and understanding, that Amber has given us. Nothing has ever been a problem or to hard for her to do. She has listened to all our concerns we had when they change the Website 12 months ago and were having so many problems using the Website. She help us when we paid off our loan and when I have had trouble printing off information. Amber helped us close account and open new ones. I have been able to e-mail her if I had any question no matter how silly. She is a real credit the the Australian Military Bank. Thank You Amber for all you have done it has been greatly appreciated.

Customer Service
1 comment
Hi Chris, thank you for the great feedback! We'll be sure to pass this on to Amber. If there are ongoing issues which you'd like to address regarding Internet or Mobile Banking please email us at service@australianmilitarybank.com.au or give us a call on 1300 13 23 28 and we can review these for you. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@australianmilitarybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Tonia from AMB Rockingham, WA

Our family was helped by Tonia from the Rockingham branch with a DHOAS scheme loan. She was such a lovely professional to work with. She assisted throughout and actioned everything in such a timely manner. To top it all off she is such a warm person and made us really feel like she cared about our family. We've had a couple of home loans thus far with different banks and Tonia and AMB have been the best experience to date. Thanks heaps Tonia!!!!!

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateJune 2019
1 comment
Hi Tara, thank you for the great feedback! We'll be sure to pass this on to Tonia. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@australianmilitarybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Excellent Customer Service

I have never had to much of a problem with Australian Military Bank, and if I did, they were right there to help sort out the problem quickly and efficiently. I just wish the phone app allowed you to log into multiple accounts instead of just one. I can access any account via the website at any time, but the app is faster to log into. I have banked with AMB for 15 or so years now but wish there were more banks located outside of RAAF Base's for easier banking access, not just the major cities where travel takes a long time to get to.

Transparency
Customer Service
1 comment
Hi, thank you for the great feedback! If you require any assistance at any time, visit australianmilitarybank.com.au, email service@australianmilitarybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Useless app which your forced to use

The app is hopeless as it’s not particularly user friendly to navigate and the bank has started to drop auto payments regularly. They no longer seem to let you bank through the website (instead forcing you to download the sub standard app) which actually worked and was simple to navigate (especially if you have to review pages of transactions ect and don’t want to run everything through an app). Very frustrating experience with this bank the last year after banking with them for over 15 years. The drops in auto payments without notice has caused me quite a lot of unpleasant conversations and then repeated work to set them back up.

Transparency
Customer Service
1 comment
Hi, we apologise for the experience received. Do you mind sending through additional detail to service@australianmilitarybank.com.au so we can look into this for you. Please reference Product Review. Regards ^BD

Thank you

Thank you to Mark Fenwick for all your help in arranging our home loan. Really appreciate your patience, answering all our questions and keeping up with changes. You were great.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
1 comment
Hi, thank you for the great feedback! We'll be sure to pass this on. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@australianmilitarybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Excellent customer service, transparent loan application.

Loan was pushed through in a very timely manner. The loan was very transparent and the customer service was outstanding. I was very impressed with how I was kept informed with how the loan application was proceeding.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
2 comments
Hi Mitchell, thank you for your feedback! We'd love to know who you dealt with - or the branch - so we can pass on the feedback. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@australianmilitarybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BDMark Fenwick, Enoggera

When will Apple Pay be made available? If keeping customers are important, than this needs to be fixed I’d have thought.

When will Apple Pay be made available? If keeping customers are important, than this needs to be fixed I’d have thought. Any timeline on availability? Also the app is not user friendly on the phone of internet. Thoughts on fixing?

Transparency
Customer Service
Loan TypeVariable Rate
1 comment
Hi Murray, thank you for the feedback. We're always looking at ongoing improvements to both our Internet and Mobile Banking solutions. Updates to these platforms are released frequently. If there is something specifically impacting your experience please email us at service@australianmilitarybank.com.au and we can follow this up for you (please mention Product Review). Regarding Apple Pay, we're working on this solution amongst other Mobile Pay solutions. We can't share a timeline as of yet, but it is something in the pipeline for implementation. Regards ^BD

Profits more important than people

Very disappointed that this Bank increased its variable rate recently. Now they are not passing on the RBA interest rate cut to customers with a LVR higher that 80% as they know we are 'trapped'due to LMI.
Furthermore the internet banking app is always freezing and difficult to navigate. Will be refinancing with another Bank.

Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateMay 2017
1 comment
Hey Kristy, when we change interest rates, the decision is not easy for the Bank as we need to balance the needs of our depositors, who will also be impacted by this low interest rate environment. Regarding the challenges you're facing regarding our Internet/Mobile Banking application, please email us at service@australianmilitarybank.com.au with any specific scenarios so we can assist you. Regards ^BD

Kiera Weisse Rockingham branch WA

Kiera handled our loan application very professionally, and was extremely friendly through the entire process. I cannot give her enough accolades. Should you need a loan, give her a call.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
1 comment
Hey, thanks for the great feedback! We'll be sure to pass this on the Kiera. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@australianmilitarybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Australian Military Bank WA

Charmaine helped us secure a home loan. She was prompt, helpful and very professional. If you are looking for somebody to assist with getting a loan, I cannot recommend going with Charmaine enough. She really looks after your interests.

Transparency
Customer Service
Application Process
Timeliness
1 comment
Hey, thanks for the great feedback! We'll be sure to pass this on the Charmaine. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@austral…arybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Frustrating experience

Apllied to REFINANCE our home loan early November last year. It’s taken six months of dialogue and numerous emails, too many to remember. Not only has it been the worst experience but also the most convoluted process we have ever had with a financial institution. Had to jump through more hoops to refinance than when we applied for our original home loan through another financial institutions!! Finally, yesterday we dealt with someone new, who actually went out of their way, to finalise our documentation and follow up our concerns about the lengthy process, which should have taken about 4 weeks not 26. Thank you John for your great customer service.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
2 comments
Hey Rob, we apologise for the experience you've received. We'd like to get a clearer understanding of the specific challenges faced in getting your application across the line. Do you mind emailing us at service@austral…arybank.com.au referencing 'Product Review' and we can follow this up for you? Regards ^BDThank you for your reply. It is already being followed up by the Area Manager after voicing our concerns.

Thank you Cherie from Edinburgh branch

We have always recieved personal and professional service from AMB Edinburgh. Today we have been pleasantly amazed as Cherie went above and beyond to secure us an excellent interest rate. The entire experience was professional, efficient and painless. Thanks again Cherie!

Customer Service
Application Process
Timeliness
1 comment
Hey, thanks for the great feedback! We'll be sure to pass this on the Cherie. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@austral…arybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Banking Question Which Turned Into A Housing Loan

I would like to say a big thank you to Stacey from SA for helping with our DHOAS loan question and initial banking question. I have banked with the Aust Military Bank for approx 40 years and have found them to be honest, helpful and when you need a friendly ear they will listen and help you solve your banking problem.

Customer Service
Timeliness
1 comment
Hey Joy, thanks for the great feedback! We'll be sure to pass this on the Stacey. If you require any assistance at any time, visit australianmilitarybank.com.au, email service@austral…arybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

Worst customer service

Appaling customer service from day 1 application to now. Customer service don't follow up actions and was advised to email the bank for specific transaction enquiries. Now I haven't got an email response re my specific transaction enquiry. I wonder why..

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
1 comment
Hey, apologies for the experience you've received. Do you mind emailing us at service@australianmilitarybank.com.au referencing 'Product Review' and we can follow this up for you. Regards ^BD

No courtesy

My fixed rate term ended on my home loan and automatically switched to the variable rate. I expected this but I also expected to be notified in some form. This was not the case and I only noticed this after seeing my interest charges bumped up an extra 200-300 per month. Had I received a notification my interest rate was being changed I would have jumped straight back onto a fixed rate before the extra charges.

I found this disappointing. I raised this issue on the phone and I was told that customers usually are notified before their interest rate is changed over and that my case had "fallen through the cracks"... It appears my follow up on the phone fell through the cracks too.

- On another note, there is no apple pay which is behind the times IMO.

- And to be fair here I did have a fantastic mobile broker from Aus military bank who I would recommend for help in obtaining a home loan though to actually continue with a loan is another case from my experience.

1 comment
Hey Liam, apologies for the experience you've received. We've taken your feedback on board and will address it internally. If you have any additional feedback please email us at service@australianmilitarybank.com.au referencing 'Product Review'. If you're able to supply details of the Mobile Banker you dealt with I can provide them with the positive feedback. Regards ^BD

Terrible

Terrible bank, even worse app ( check reviews before downloading ) everytime the app updates you loose all your direct payments and have to re set them up. Not to mention Aus mili bank don’t even notify you, so thanks bills were late. There is something wrong with the server almost all the time when I go in the check my balance, so can’t see my account till the end of the day or till I call up. Ordered a new card almost a month ago never arrived.... called Aus post to see if I had a letter coming from them, never did. So going on past a month now ordered another card still nothing!!!! ( even asked to get it expressed to a branch, oh wow still nothing ) Just trying to pay bloody bills online without a card number is frustrating and difficult. Worst bank, worst app and worst customer service. Great work AustMilBank you’ve definitely lost a customer

1 comment
Afternoon Isabelle, we apologise for the experience you've had. Do you mind emailing us some further detail regarding the above as well as your best contact details to service@australianmilitarybank.com.au? Please reference Product Review in your email. We'd love to chat to you to help identify these issues as well as improve your banking experience. Regards ^BD

From great to average at best

Have been a member for nearly 18 years and was always happy with their service. Unfortunately their system 'upgrade' has been shockingly awful. The app and online features are very buggy (used to be very simple and easy to use), with future payments just suddenly disappearing and no longer being paid, no longer able to use a reference that the person receiving the transaction can see (without having to go into a branch and having them access hidden settings) and a phone line support system that basically tells you to go see the nearest branch.

Don't get me wrong, the branch staff are typically awesome to deal with (the only reason I gave them 3 not 2 stars), but even they struggle to use the new system effectively (by new I mean it rolled out mid Q2 2018). I understand that new systems have teething problems, but for these issues to be continuing this late into it's implementation, it is going to continue to lose loyal long standing customers to banks that offer much more coherent and easy to use systems.

After yet another issue with a future payment that had been set up, I too am now looking for another financial institution to take my business too.

1 comment
Morning Matt, thank you for your feedback. We'd love to discuss these issues in more detail with you to help resolve them and improve your banking experience. Do you mind sending an email to service@australianmilitarybank.com.au, referencing Product Review, with some additional detail as well as your best contact number? Regards ^BD

New Finance

I recently financed a new caravan with AMB and had Amber C from the Rockingham WA branch as my personal banker. Amber communicated clearly, was responsive to emails and had my loan sorted out super fast. I was an am super happy with the service provided, I would highly recommend AMB Rockingham branch.

1 comment
Great news Tim! We'll be sure to pass your feedback on to Amber and the team. If you require any assistance at any time, visit www.australianmilitarybank.com.au, email service@australianmilitarybank.com.au, call 1300 13 23 28 (8am-6pm AESDT Mon-Fri; 8am-12pm AESDT Sat) or PM us on Facebook 24/7. Regards ^BD

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Questions & Answers

How long is transfer times from adcu to another bank. Does wekends include as a day?
1 answer
Hi Clare, thank you for your question. If you are experiencing any issues with your banking needs or have any enquiries, please call our Member Contact Centre on 1300 13 23 28 and one of our team members will be able to assist you. Regards ^AA

Where is my superanuation from comsuper. I am overseas with no money. Cannot get to talk with anyone in the call centre. Called my Amberley branch in desperation .. they tell me that my account number has changed ... Also where is my DVA and old age pension??. My branch looking into it. Next ill be charged by the bank for discredit fees on my periodical payments that have been missed today ... Cyril Peter Hind
1 answer
Hi Mr. Hind., do you mind confirming via service@australianmilitarybank.com.au if you've received your DVA and/or Comsuper payments. To investigate further, you can always call us on 1300 13 23 28. Regards ^BD

Why are you closing branches at bases? I work at Laverton, i wanted to cash a cheque and had to send it through the mail and then have to wait further for it to clear. Cant get cash out, have to go into the suburbs to find a atm. Also my daughter lost her debit card and had no way of getting cash out because the branch is closed, not good customer service. Maybe you arrange something with Def bank so we can withdraw money through them. I might as well change to them and take my three housing loans with them. I think the credit unions have lost sight of their origins and are trying to make money just like all the other banks, there are way to many charges
1 answer
Hey Magpies2012, we'd hate to see you leave. The Australian Military Bank Branch at Laverton has been closed for over 12 months. Apologies for the inconvenience caused. We'd like to discuss your banking situation with you; could you please contact a team member on 1300 13 23 28? Regards ^BD

Details

Australian Military Bank
CategoryPersonal Loans
Interest Ratefrom 7.88% p.a.
Comparison Rate from 8.72% p.a.
Monthly Fee $10.00
Repayment FrequencyFortnightly, Monthly and Weekly
Loan Amount $1,000.00 to $80,000.00
SecurityUnsecured
Loan Term1 to 5 years
Rate TypeFixed and Variable
Redraw AvailableYes

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