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Australian Military Bank

Australian Military Bank

2.2 from 105 reviews

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

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

Worst Bank - Stay Away

The most incompetent bank I have ever dealt with. Would never use them again. Would not recommend to anyone. Unexpected extra costs. Worst customer service experience. Terrible interest rates. I would give them a 0 star rating if I could - 1 star is too generous for this bank.

1 comment
Hey Ellie, apologies for the experience received. We'd like to discuss this further with you, if that's ok, to outline specific examples so we can improve our products and services. Please email us at service@australianmilitarybank.com.au or call us on 1300 13 23 28. Regards ^BD

Excellent service

I had excellent customer service took car loan good rate ,active response to all queries within an hour. Excellent and supportive personal banker thanks Cherie . I will recommend Australian military bank . Thanks Dr sandeep

1 comment
Hey Sandeep, thank you for the great feedback! We'll definitely pass this on. 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

Terrible- stay away!

You are not a modern bank, no smart ATMs, Apple Pay or tech savvy banking system. The CEO needs to go!!! You are not doing any fav to the bank and members.

1 comment
Hey Greg, thank you for your feedback. If you have specific feedback regarding your personal banking experience, please email us at service@australianmilitarybank.com.au or call us on 1300 13 23 28. Regards ^BD

Great customer service!

Very fast and helpful one on one customer service. Cherie goes above and beyond to help at the drop of a hat and gets things done for the customer exceptionally fast! Thankyou

1 comment
Morning Daniel, thank you for the great feedback! We'll definitely pass this on. 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

Time to switch banks......

I have been a member for over 15 years and this year has been horrible to be a customer. Constant issues with the app & online banking. Not up with the times..... Pay ID, Apple Pay. In today's digital age why do you choose not to jump on the digital wagon??? Don't think you will lose customers because you are one of the banks who offer DHOAS products..... think again!!!
In March I sent an online request to close an account I no longer use...… how unusual.... the account is still open.

2 comments
Hi Jules, we apologise for the inconvenience you have experienced, however, thank you for taking the time to provide your feedback. Please call our Member Contact Centre on 1300 13 23 28 or alternatively, email us at service@australianmilitarybank.com.au and refer to this Product Review post as our team members will be able to assist you further. Regards ^AAIn addition, do you mind emailing us some further details in regards to the 'Online Request' submitted, to service@australianmilitarybank.com.au, referencing this Product Review post as well as including your contact details, so we can follow this up with you? Regards ^BD

Terrible!!! Would never deal with this “bank” again!

I have been with the bank for over 14 years and I can’t wait to leave! I’ve had to swap my normal banking to another bank however they have me trapped a bit because they have my mortgage however as soon as my house sells I can be free and move on from this terrible bank.
An upgrade was done earlier this year and I have had nothing but problems since. Hours and hours on hold and talking to customer service (if they don’t just hang up the line after I have sat on hold for ages). Numerous times my bank balance was zeroed which is really inconvenient and embarrassing when you’re trying to pay for something or direct debits getting declined (with me having to pay fees even though I should have had money there) and overdrawn amounts when money was there. Random amounts coming and going from account so I don’t know when or if I have money or if I’m being overcharged. Terrible customer service. I can only imagine if you times the amount I have been ripped off across all the other account holders the bank has made itself a healthy profit.
Do yourself a favour....do not deal with this bank!

1 comment
Hi, we apologise for any inconvenience this has caused. We thank you for the time you have taken to provide your above feedback. Do you mind emailing us some further details to service@australianmilitarybank.com.au, referencing this Product Review post as well as including your contact details, so we can follow this up with you. Regards ^BD

Never trust banks!

Was a member for past 14 years, but since the retrograde 'upgrade' last Feb in promise of 'exciting new changes' there has nothing but nothing but calamity after calamity. Quite frankly a name change from a credit union to a bank proved what their true intentions were 3 years ago, and that was to gain further control over a captive market all for the sake of greed. To tell us as members that it was so younger aspiring customers didn't know what a credit union was and could only easily relate to the term 'bank' was a crock and totally underestimated the intelligence of existing customers. In that case CUA would have changed their name to bank as well. There is no rewards or benefits that other banks or credit unions could do better. Since last Feb they have no doubt lost many staff and have failed to enact basic fixes to their mobile banking platform such as phone tap and pay and Google Pay. Totally unforgivable in this market, and if it was any other bank they would have been 6 ft under by now. They can't even promise when the next major app rollout fixes will occur...probably not til at least Xmas. They say they are still getting back to customer complaints since Feb but no doubt wasting their time as many have jumped ship. Telebanker has also been removed as they claimed their customers weren't using it, which means if the online service is down you are forced to speak to a CSO and have to go through all the verifications. The whole thing feels like being stuck at Recruit School with a pack of good for nothing pleb.

2 comments
Hi, we apologise for any inconvenience this has caused. We thank you for the time you have taken to provide your above feedback and aim to rectify any issues you are experiencing. Could you please contact us on 1300 13 23 28 and reference this Product Review post? Our team members will be able to investigate and assist you further. Regards ^AASpare the canned response, as my account is closed. Overall you are nothing more but a pretentious shifty bank with a country credit union style level of service.

Bad year for me made worse by Australian Military Bank

Banking with Australian Military Bank, I was persuaded to invest a large sum in a term deposit. As a retiree who is unable to get a pension, I hoped to receive enough interest for living expenses. When I decided to buy a house eight months into the term of one year, I withdrew the money four months early. The bank took, from a different account, the entire interest that I'd received, which has meant this year's income has been less then an unemployment benefit. Even two other banks say, based on the interest rate, that I would have received almost half back, in the same situation. I took it to FOS but they agreed AMB had terms & conditions and that is all that matters. I hadn't read them as there were 30 pages. Apparently if you break term deposit it reverts to a no interest account or virtually no interest, but that was called an "S1" which I also hadn't known.

1 comment
Hi there, thank you for taking the time to provide your feedback. Considering your situation, would you mind emailing us at service@australianmilitarybank.com.au and reference this post on 'Product Review'? One of our team members will be able to further assist you and see how we can improve your banking experience with us. We apologise for any inconvenience caused. Regards ^AA

Six months of issues after the software/systems update...

Over 24 years of prior banking with ADCU/AMB were easy and stress free, no matter where we were located in Australia or overseas - but since the February software/systems update we've had multiple issues, including incorrect home loan interest debits, and lack of access to essential account features by the joint account holder (which were previously available prior to the upgrade).

The branch staff are polite and responsive, but their hands are tied.

As others have mentioned, whoever approved (or actually tested?) this new software needs to admit it doesn't function well and get these long standing issues resolved.

We have swapped all banking to another financial institution, and closed our DHOAS loan, due to all the hassles we've had dealing with the AMB interface since February.

2 comments
Hi Sarah, Thank you for providing your above feedback. We are sorry to hear you leave. If you'd like to provide further feedback or have any other enquiries, please email us at service@australianmilitarybank.com.au and reference this Product Review post so we can assist you further. We apologise for any inconvenience caused. Regards ^AA^AA - I've spent numerous hours (both on the phone and sending emails) providing feedback to AMB since the February upgrade - so while I appreciate the offer, I'm not convinced that further feedback is going to resolve anything.

Change of name = change of bank

I was with ADCU for a number of years and the service was outstanding. Easy access to online banking, apps and prompt and positive customer services. Since the change of name and ‘upgrade’ of electronic system, I can no longer access my finances easily, often being frozen out of the website and app and not being able to access my own money. Staffing has been drastically reduced resulting in long waits and frequent unanswered phone calls. Customer service representatives are now just branch personnel, often from interstate, who cannot see your account details on their screens and thus cannot solve any issues. After emailing the customer service address multiple times with questions and then complaints and feedback, no response was given. This, I will no longer be supporting this bank and have moved my finances elsewhere with someone I can trust. Very disappointing.

1 comment
Hi Rebecca, thank you for taking the time to provide the above as we are sorry to hear the inconvenience this has caused you to leave. We are constantly on the move to improve our member's banking experience with us. If you would like to provide further feedback or have any enquiries, please do not hesitate to call our Member Contact Centre on 1300 13 23 28. Regards ^AA

Lost our money

Several months ago after a reoccurring transfer of $1600 the money was not received by our landlord. The bank stated it would take 55 days to investigate. It has now been 55 days and they are now saying because of a glitch in the system the 55 days started 2 weeks after we thought. They just sent an email saying they are taking another 24 days extension to investigate. How come they get 80 days to pay us back money they lost, would be able to do that with loan repayments, I doubt it.

1 comment
Afternoon Toni, apologies for the inconvenience. Do you mind emailing us at service@australianmilitarybank.com.au, referencing this Product Review post as well as including some contact details, so we can follow this up. Regards ^BD

Run Run As Fast As You Can!

After the "upgrade" that happened in February there has been constant ongoing issues, I have called the 1300 number multiple times with promises to be call back or send me an email I havent had a response back yet - its been over a month waiting! All i wanted was to see my advance position as it has been removed from internet banking. I have now sent an email from internet banking at the start of this month wondering how long it will take to hear anything back. I cant wait till my home loan comes off fixed and i will be refinancing. I do feel for the front line staff who have no say in these changes and are not trained sufficiently. How this bank has managed to not crumble yet is beyond me.

2 comments
Afternoon Kayla, we appreciate the feedback you've provided and would like to discuss this with you to improve your banking experience with us. Do you mind emailing us at service@australianmilitarybank.com.au, referencing this Product Review post as well as including some contact details, so we can follow this up. Regards ^BDBD - I've spent numerous hours on the phone and sending emails and secure emails providing feedback to AMB since the upgrade/downgrade I'm not convinced that further feedback is going to resolve anything either and that there is still mo resiolution.

Avoid, poor customer service and more.

Was with them for 20 years. Since the change from Credit union to Bank, woeful. Call through with general enquiries about anomalies with account, general response is we'll get back to you. Never have on 3 instances. They also filter their Facebook page against negative comments, that's a red flag. Loved them when they were a C.U. Seems like greed's taken over since they assume they have a captive market with the military. Be wary and be warned, they are no more beneficial than that they may have a branch on a base, apart from that, your fodder. Resorted to inquiring by email, no answer, and when I finally got through on a call center, Indian, I was chastised for sending an angry email, which it wasn't, I was polite but to the point. Online and mobile banking is like it was programmed by [Cencored]. I have a loan, but all general banking has now been switched, albeit to a Big $, but it's so much better. They've definitely lost there way and I've given them months to sort out the glitches and resume what was great, but it isn't happening. Avoid.

Recent example, open app before purchase, see available funds, OK, make purchase, insufficient funds. Get fee for making purchase without sufficient funds. Not cool.

1 comment
Morning Joseph, we appreciate the feedback you've provided and would like to discuss this with you to improve your banking experience with us. Do you mind emailing us at service@australianmilitarybank.com.au, referencing this Product Review post as well as including some contact details, so we can follow this up. 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

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