As of the 17th of August 2015, Mecu rebranded to Bank Australia.
I would like to thank Loyd Lapinig for his time and patience in helping my have my visa card application processed, very much appreciated and loyd made it all possible quickly with his knowledge. thank you
too busy trying to look cool with their sustainability pledges, just deliver bank related customer service, customers are often too busy ringing in, its an inconvenience as it is, to get the wait times and wanky soundscapes is a sign of a bank with no feel for customer relations, shopped around through 5 lending consultants was a joke for a recent loan application, closed my accounts now.
Reviews with attachments
Massive thanks to Dhiraj at Bank Australia for performing absolute magic and getting my home loan approved and settled. I came in with questions, nerves, and mild panic. he handled all of it like a pro. Dhiraj knows his stuff, explains things in human language (not scary bank jargon), and somehow made the whole process smooth, calm, and almost…… Read more · 1
enjoyable? Wild.
If you’re looking for a home loan specialist who’s sharp, patient, and can save you from a financial meltdown, Dhiraj is 100% the one. Would trust him again without hesitation!
Exceptional Service and Unwavering Support – I recently finalised a home loan with Bank Australia and would like to convey my sincere appreciation for the outstanding assistance provided by Dhiraj, his managers, and the wider team. Throughout a complex and time-sensitive process—encompassing the Victorian Homebuyer Fund, multiple valuation delays, and strict finance clause deadlines—they… Read more
consistently demonstrated professionalism, responsiveness, and genuine care.
Dhiraj kept me fully informed at every stage, ensuring I always understood the situation and what was required next. When unexpected issues arose, he and his colleagues proactively found solutions before they could escalate, significantly reducing any potential stress. Their clear, accurate guidance enabled me to achieve final approval without unnecessary delays or repeated extensions.
The combination of expert knowledge, strong communication, and collaborative problem-solving transformed what could have been a stressful experience into a much more manageable one. I am truly grateful for their unwavering support and wholeheartedly recommend Bank Australia, along with Dhiraj, his managers, and the entire team, to anyone seeking both expertise and exceptional customer service.
Buying a Classic Car – After deciding to take the plunge and purchase an Australia Historical Motor Vehicle, I approached Bank Australia for a very sizable loan. Sean Bayzand (Lending Team) was my liaison and did a fantastic job of helping me to navigate the process. As I have been with Bank Australia through its many iterations since the late 1980's, I had some high… Read more
expectations - all of which were met or exceeded by Sean. The financial impact of the decision to take this loan was minimised, for me, where possible. Sean even made direct contact with the car dealer to ensure a smooth transition for the sale. I couldn't have asked for a better experience. Thank you Sean!!! Thank you Bank Australia!!!
BANK AUSTRALIA DISGRACEFULLY LINKS MANDATORY GOOGLE™ ACCOUNT & IT'S DATA HARVESTING GOOGLE PLAY™ SERVICE FOR ONLINE ACCOUNT CREATION IDENTITY VERIFICATION AND ON-GOING APP USE. Unsuccessful online 'onboarding' attempts in opening a Bank Australia Account recently had me phoning Bank Australia Customer Support. Drearily, I was first… Read more
greeted with that tedious and all too familiar recorded preamble that they were 'experiencing unusually high call volumes'. Indeed the 3 calls I ended up making involved waiting times of between 20 and 30 minutes each.
But in an even bigger waste of time, over stretched staff claimed to be not aware of any problem with their 'onboarding' server or even having any record of my futile efforts at their end. This despite my multiple ‘onboarding’ attempts via their Bank Australia portal. Two even made on a different device having made it laboriously through right to the very end only to annoyingly, inexplicably and irretrievably wipe the data having been already uploaded to the Bank Australia Server.
It would seem devotion to Bank Australia's proclaimed ‘award winning’ banking App via Google Play™ Store is a prerequisite for Bank Australia online 'onboarding' to complete successfully.
Google™ and app free Desktop Web based ‘onboarding’ is not an option with Bank Australia sending a Quick Release (QR) code instructing smart phone connection in such circumstances. Circumventing the use of desktops and mandating connection with only the direct use of a smart phone, its camera and motion sensors etc. Also applicants downloading an Android coded Bank Australia App from a source, as did I, other than the Play Store™ itself will find no ultimate functionality outside of Google Play™ Services. Additional software framework dependencies trojanized by Google Play™ onto a users device as part of a 'Sign in with Google' seemingly necessary for the Bank Australia binary to function correctly and 'talk' successfully with the Bank Australia onboarding server.
iPhone's™ 'Walled Garden' software ecosystem where an Apple™ ID is needed to provide an iPhone™ user access to Apple's™ App Store℠ fairs no better. Where once in, a user must then ultimately surrender to Google’s™ terms of service to provide Google™ privileged access to hardware of that Apple™ branded device. Allowing Google™ your IP address, geopositioning and other data not immediately transparent in Google’s™ ‘Terms of Service’.
Of course Bank Australia will be quick to point out that data collected in the actual Bank Australia app is not linked to your identity, which well might be true.
NOT NECESSARILY SO A DEVISE LINKED TO A 'SIGN IN WITH GOOGLE'. Be aware of what data collection a user of these ‘free’ services must agree to Google™ surreptitiously collecting.
Prove me wrong Bank Australia, lets see if your server software can play nicely without applicants being sneakingly marketed to by being required to agree also to Google's™ terms of service. And the necessity of having to install Google Play™ spyware on an applicants devise. Or are you happy for your brand and for your customers to remain used and covertly monetized by Google’s™ ‘free’ services?
So far the silence from Bank Australia has been deafening. Perhaps pandering to the number of degoogled deviants like myself is not worth their attention. If so I think a rename from Bank Australia to Google Bank (Trade marked of course) might be more transparent.
One of the accompanying screen shots shows the culmination of my online attempts at 'onboarding' without the all knowing Google™. Bank Australia’s server suddenly spat the dummy, refusing further of my IP’s traffic. Unconvincingly announcing it was 'Down for Maintenance' . . . Perhaps it was just merely coincidence? Only Google™ might know. Hail Google™!
WORK AROUND HACK FOR THOSE UNWILLING THE ENTRAPMENT OF GOOGLE™
1/. Easy Method: Sign with another Bank who's app is not dependent on third-party 'services' for functionality. They do exist.
2/. Alternatively for the bloody minded: The Bank Australia 'App' is necessary initially only for online account identity verification. When that invariable fails for degoogled applicant's, Bank Australia give alternatives to visit the only branch (in my case) in the whole of Queensland, print the forms yourself or have forms Posted out via snail mail. Your Drivers licence or Passport etc witnessed by a JP or the likes and posted/emailed back. Excessively laborious and time consuming for any recalcitrant not already or unwilling to 'Sign up with Google'.
3/. The Bank Australia 'App' is NOT NECESSARY to operate an account via a smart phone ONCE AN ACCOUNT HAS BEEN CREATED. Simply adding the Bank Australia web login URL
https://digital.bankaust.com.au
opened from a smart phones browser as a short cut to the Home screen will provide quick assess to app like functionality. But annoyingly, the same screen will also prompt you with a pop up every time, (see screen shot) intimidatingly insistent you download the Bank Australia app. Which of course is best avoided. Lest even short cut functionality then be broken. But only for those like myself, missing that Orwellian Google™ identity.
Oh . . . and needless to say . . . don’t even think about getting Google Pay™ ‘tap to pay’ to work ! !
Written 28th February 2026
I do not have time to be 98 th in que to talk to someone to transfer funds, I do not have a branch in Perth to talk to someone, normally there pretty good but my confidence is dwindling I emailed over 48 hours ago no return correspondence!! Show details
HI Brov, We’re really sorry for the long wait… Read more
Tried to download an Excel file of all transaction for 1 Jul 2022 to 30 Jun 2023 (FY23) but Bank Aust internet banking wont do it. I called the Bank Aust and they said their transaction search only goes back 500 transactions or 18 months max?! So all older transactions can't be downloaded in editable form (XLS or CSV, etc)?! And they can't even do… Read more
it from the bank side manually themselves?! Wow. Downloading a editable spreadsheet of any of my transactions is such a simple thing, that I know other banks do. The call centre would not let me speak to IT to get them to download from the database. Not good. So disappointing. I really liked their environmental credentials, but they need to be able to provide basic services.
Latest follow-ups
Applied for a CC took two weeks to get card, applied to another provider took 3 days, BA asked me to call but after 2 attempts of 30+ mins wait gave up, the security of applying is good but the process is slow, going to use overseas see how it goes. Show details
Follow-up · app is ok not needed to use o/s not used o/b
I love the fact that BANK AUSTRALIA is customer owned and they are the only bank to own a conservation reserve. I love that BANK AUSTRALIA supports the environment and is committed to net zero. The bank’s online tools allow for easy payments to be… Read more
made from your accounts, easy transfers between your accounts, and it is very simple to check your account balances. I have been a BANK AUSTRALIA customer since it was a credit union associated with the CSIRO. That would be more than 40 years ago. Over those years I have relied on BANK AUSTRALIA for all my financial transactions including personal loans and a housing loan. Why would I bank anywhere else?
Follow-up · I do all my banking using the mobile app. I find it very easy to use. Not only can you look at current transactions you can look at older transactions by searching within specific dates. I have visited the branch in Kew and had excellent customer service there however it is quite a distance from my home so not very convenient. I cannot really… Read more
Customer service is abysmal. No phone support. Despite my visa card account being very well conducted & always in order, I was kicked off a low rate credit card onto one with a 20% interest rate. I’m on Jobseeker payments. Show details
Follow-up · Follow up; I finally got through to the credit card dept after several more lengthy waits (all 45 min +) on the phone. Their explanation was that they had simply raised their credit card rates by around 8%. It turns out that I wasn't on a low rate credit card to start with - apparently they did that to everyone with a regular credit card.… Read more
Hi Jenny, I’m really sorry to hear about the… Read more
Positive reviews
Top notch bank!! My home-loan was handled with professionalism and responsibility right through the approval and settlement process. Good communication from the parties involved which made me feel confident and supported. I felt I had all the information to make the biggest decisions and often received more comprehensive answers than I received from my conveyancer. Very impressive organisation with strong ethics and goals. Show details
Find out how Bank Australia Online compares to other Banks
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I have been banking with Bank Australia for many years, even when it was a credit union in the 70s. I recently applied for a credit card and Loyd Lapinig handled my application. He was fantastic. He replied to emails and answered calls very quickly. I really appreciated his help and advice. Show details
I've been with Bank Australia since 2017, but only started using their credit offerings in 2025. I felt comfortable looking into this due to Bank Australia's great track record with responsible lending and ethical financial practices - plus, I'd seen first hand (through friends) how well they ensure their customers are protected against potential… Read more
scams and fraud.
I'd like to particularly compliment Tia Hendy (Lending), who has been a superstar with customer service on several occasions. In my first experience with Bank Australia's lending team, she ensured robust assessment of my application within a tight timeframe - ensuring I was able to use my new card while travelling.
Recently Tia also assisted with my request for a credit limit adjustment, and was just as helpful and friendly as I recalled from last year. She's clear with her questions, never leans on financial jargon, and was always happy to give more context for any questions I seemed uncertain about. Tia is also really proactive and clear about expected timeframes. I'm used to hearing things like "we'll get back to you in a few days" from other banks, so hearing "You should hear from me by COB today, all going to plan" (and then, indeed, hearing from her before COB!) is really impressive to me. Tia's a credit (!) to Bank Aus and has, impressively, further increased my (already strong!) confidence about continuing to bank with them going forward.
Negative reviews
Sorry guys just sat on the phone for 40 mins to only reach 14th in the queue. Your ethics are excellent but it doesn't absolve you from customer service. So after mediation, more lies more poor customer service. I admire your environmental stance guys so perhaps reopen as a wildlife charity? As a bank with customer services you're a dead loss.
On one occasion I spent an hour and a half on hold, now I'm unable to transfer money I have into an account I have with another bank (which I have previously done) now I get a message saying the account is not verified and I have been waiting since prior to Easter for a resolution for a response to a secure email, pathetic.
Our transition from Bank Australia's take over of Australian Unity has been nothing but appalling. Inconsistent knowledge between customer facing staff of BA's systems and processes, glitchy online portal combined with just outright incompetence. Accounts closed, never again. Sad... Show details
Recent reviews
Quick review on a recent credit card application with Bank Australia. Changing over from a different bank, I chose Bank Australia mainly due to the BCorp status and good customer reviews. Bank of Australia's system for communication and upload documents was so easy to use. Simple & plain UI which is something most companies seem to forget these… Read more
days. Once case assigned it was great communication, clear requests and simple updates to their system. Alana Bremner from Lending was great to deal with and did a fantastic job! Highly recommended and will probably end up moving all my banking/loans over to them.
I have been with Bank Australia for over 15 years. I cannot recommend them highly enough. Their savings interest rates are very competitive. The online banking is intuitive and easy to use. Whenever there has been an issue like a lost card or dodgy transaction on my account they act promptly and it's dealt with quickly. Whenever I call i get a… Read more
real human who is friendly and caring. A couple of times I've had an automatic debit come into my everyday account and I haven't had enough to cover it and the money gets transferred from my online saver with no fees, no fanfare, just done. Such an awesome difference to the big 4. I have not had a loan with them and extending my limit on my credit card was a little onerous but I appreciate that was necessary. I went with them for their ethics and ended up with a much better bank than I imagined.
I've just opened an account with Bank Australia on line. Prior to that I was researching, on line for the best rates. I phoned Bank Australia and they were so helpful and patient with me. So when i did open my account with them and needed help. I just contacted them again and they were right there for me. It had made my banking experience with Bank Australia great!!! Show details
no support that was helpful I strongly recommend no one use them, phone support is all they offer and it has not been helpful, I regret opening this account and will close it immediately, STAY AWAY!!!!!! Show details
Hi Wayne, I’m really sorry to hear about your… Read more
Find out how Bank Australia Online compares to other Banks
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these people are horribly rude and unhelpful, ill informed of their own products and processes, getting a straight answer is impossible and getting your money back from them is almost impossible. No ease of access or assistance that is meaningful, rude and arrogant staff deliberately obstructing withdrawals. PLEASE DO NOT USE, CUSTOMER BEWARE Show details
Hi Wayne, thanks for taking the time to share your… Read more (+1 reply)
Jade was really helpful, guiding me through the process of refinancing my homeloan. She called me throughout the process several times to advise me and ask me for the correct documents and how to complete the forms. The online process actually was not as good as Jade as after I saved the application it lost it and I had to do the entire thing again.
I have been with Bank Australia for many years and been very happy, until Friday 6/2/26. My account had been disabled due to fraud risk so no bank transfer to third party. Can't pay for kids school fees, online bills etc. Spoke to various staff from different departments customer care and fraud etc and was given the run around. I have pleaded to… Read more
cooperate and gave necessary information but couldn't be given a time frame. They had no proof or reason why. Now Sunday 8/2/26 trying to make payments for school fees and husbands account is also disabled. He called the fraud team spoke to Scott on 1300 705 750 and whilst explaining his issue Scott rudely hanged up. Rang again and Marian told him to ring during business hours. This is so frustrating they should had the common courtesy to speak to me or my husband before disabling our account over the weekend. This is poor practice.
Hi Marj, thank you for taking the time to share… Read more
Not long got off the phone to Matthew in Internet Banking. He could not have been more helpful, professional and patient if he tried. Fantastic service! Thank you Helena Gillies Show details
on the phone for over an hour just to ask basic questions about their products will not sign up with them because of this, it will be too difficult getting help when I have one of their loans Show details
Thanks for sharing your feedback - we’re sorry to… Read more
I have had an amazing experience with Bank Australia. I had issues with my credit rating that were out of my control due to an ex-partner. Other banks weren't interested in even looking at me for a home loan - regardless of the fact it was well documented through Family Court etc that I had no control over what had happened. Bank Australia were… Read more · 1
happy to look at my application on its own merit - taking into account my employment history, and current standing and I am now a very happy home owner and have security for myself and my boys. I had put an offer in on a property and they knew this and expedited the process so that I could secure the property. I would highly recommend them for the personalized and caring service that made me feel that I wasn't just "a number".
Bank Australia have been lovely to deal with, I have called them with questions twice now and each time have been met with a friendly and helpful person on the other end. Tia Hendy from Lending helped process my application very quickly and was proactive with updates. I'm used to automated and quite impersonal service from the big banks, so this has been a nice change. Thank you very much :) Show reply
Everything I expected it to be and it was a new years resolution to start saving more so I opened a new bank account in new year's day 2026 and I chose this bank and I'm pleasantly surprised with it so far so good Show details · 1
Follow-up · I've had other bank accounts and downloaded their apps and I have never really had a good experience with them but this one had the stand out features and ease of use and navigation to thing's The setting up of my account was fairly straightforward and downloading the app and linking it to my account was simple and secure The security was one… Read more
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Hi Damien, thanks for sharing your feedback - I'm… Read more