Kept waiting, disorganised staff
I had made an appointment to see the Chirnside Park Lending Manager, arrived on time and spoke to receptionist. I was asked to sit down and she would alert lending manager that I was there. The branch was empty, not a single other person there. I waited for 30 minutes before i finally lost patience and approached the receptionist again. I went and did my shopping and returned. The branch was still completely empty. Lending Manager said "staff had not entered information into his e-diary properly" but was not apologetic for the wait. He then did...not listen to what I said, confused me with someone else and referred to my "paperwork" (I had done nothing on paper), was dismissive and gave me only partial information. An intending new customer, I will never return to this branch. A poor effort by everyone there.
Best Customer Service and Friendly Staff
If you are a new migrate to Australia, Difficulties with opening a Bank Account or need a friendly and faster service then I am strongly recommending you to please visit the Bank of Melbourne. I had these experiences when I was opening my bank account, I visited twice CommonWealth and NAB Banks but they are not helpful at all.
After a long waiting at both banks, I finally give up on CommonWealth and NAB Banks. Then I went to the Bank of Melbourne, I get surprised how to differentiate this bank from the other two banks.
I was amazed by th...
I mostly use Karingal branch and Springvale or Parkmore and every time I walk in always great service but mostly Karingal branch from day one back in 2008 with our house approved then for our second hand car only 4% and just recently 3 years on our house at 2.28 we walk in and all papers ready to sign was great and all the staff very helpful.
Home Loan process is really bad and error prone
I had refinanced from NAB to Bank of Melbourne since Feb 2020 based on the advice of a NPFS mortgage consultant, the overall loan process then was smooth. However the recent loan application handling has been really shabby and painful where they double deposited the loan amount to me, withdrew it, did not close the previous loan and worse after all the rectification after I had called out they messed up my offset account to normal transaction account thus increase in my repayment fee. Yet there has been no apologies who call from Bank about the trouble, really bad customer experience. I will immediately change the loan once the fixed deposit tenure ends or if other bank can offer better deal.
Great Service at BOM Caroline Spring
I am with the bank for a while. Every staff is friendly, always smile greeting to you when you walk in the branch. I was served by Rebecca who is extremely kind and helpful with all my queries and concerns.
Utterly random credit card pick-up and activation procedure
Both my wife and I applied for credit cards with Bank of Melbourne independently. The approval process was relatively smooth - we were both approved quickly and told to wait for our cards to arrive. Mine arrived in the post about a week later and I went through the torturous process to get it activated and up and running on the internet banking. Three separate pins/passwords to be entered each time I want to log in. Not exactly user friendly but I guess it's secure. So my wife's card still hadn't turned up a week later when we get a letter sayi...ng it's ready to be picked up from the branch in Geelong? Wait, what? You're happy to post my card to our address but randomly you want her to take time off work to go into your branch 20km away and pick hers up? Bit weird and really not convenient for us. But she picked it up (despite waiting ten minutes to be served even though she was the only customer in the branch!) and brought it home - was given a CAN by the teller who also asked her a bunch of weird and unrelated questions at the time. Told her NOT to register for online banking as she's already done it for her - just got to LOGIN and use the CAN to get into the online banking. So we go to LOGIN and enter the CAN but it then wants a pin and a password, neither of which we were given by the teller. Only option is to click 'forgotten pin' and this takes us to a retrieval page. We fill in the details only to be told that we need to enter a valid email address. Which we have. We try multiple times with the same result. So there's no way of getting any further. Quite apart from the disturbingly random different ways that we received our cards we now also can't actually use one of the cards. Totally farcical. Here's a tip for you Bank of Melbourne. If you want people to take up your credit cards then maybe make your process consistent and user-friendly instead of a labyrinth of stupidity. Thank god I don't have a home loan with these imbeciles.
IVANHOE Bank of Melb in the best position in Ivanhoe, moved from ANZ and Westpac to this branch. efficient and helpful
Found Bank Of Melbourne Ivanhoe to be one of the best and efficient branch ever. Moved my account from Westpac and ANZ that are old and dark to this great branch,
Helpful staff that go out of their way. Pity its temporarily closed due to Covid but once things get to normal will start going back. This Branch is helpful, clean and efficient in a great position.
Scammed and still chasing since June 2020
I'm over 10 years with this bank. In June 2020, I get scammed and received a message if I authorized a $246+ debit and said no. They locked my card but somehow still paid the scammer + the dollar exchange cost. I been chasing since and to date nothing happens. I 've been passed around and this covid is not helping as other government offices who deals with my situation are either closed or less people.
Terrible bank to deal with
Because of Covid, I had to cancel my holiday plans. I had paid for meals and some activities using my BOM debit card linked to PayPal. PayPal were understanding of this and refunded me. They did this back in March - April 2020.
However, BOM took forever to process my refunds despite me calling up 5 times already and explaining the situation each time. They still owe me one more refund. It’s nearly the end of September 2020 now and I still haven’t received it.
They also refused to accept my credit card application while I was back at Uni bec...ause I didn’t have a full time job then - this was despite me working 3 casual jobs, which I had for the 5 years with full time hours that I had payslips to back up and having decent savings. But they had the gumption to tell me that if I was on Centrelink, my application would have been accepted because I could show I had a constant source of income. I have since graduated, switched banks, successfully gotten a credit card and taken out a home loan. As technology continues to get better and we get more apps that move away from traditional banking and getting access to credit, I can see that BOM will fall behind and I really hope they do. Seriously, what a disappointing bank!
DO NOT approach for online home loan application at all
BOM is useless helping the customer for home loans. I applied for a refinance, been asked to submit paperwork like normal banks. They asked me to pop-up in the branch for identity verification and then the online consultant disappeared !!!! no email replies, application results in nothing at all. You can't even check with the BOM branch or online chat as they keep saying that another consultant has made an application and there is a lock on it. We cannot access it. you have to do the whole process again if you are interested.
The worse thing i...s they did multiple credit inquiries on my credit files (when they mentioned that unless if we see your application is firm and positive in every aspect we won't make any credit inquiries). That shows that their staff has no integrity and knowledge of what they talking about. Upon complaining about this, my consultant re-appeared after two months that I am missing your payslips (which have been submitted already). Sent them again with employment letter but he did same thing again. It's been over a month and he stopped responding to my emails and phone calls. Bank of Melbourne doesn't even have the courtesy to let the customer know if the application is successful or not. Shame on you guys. I strongly recommend all people out there. Don't use your valuable time with Bank of Melbourne and let them stuff up your credit file. Because it will affect your next shopping.
One of the worst bank i have ever dealt with
For the purpose of building credibility for my review, I own 3 investment properties, 3 land parcels and I apply for credit cards almost on a quaterly basis. I open and close them on a 6 months rotation. No bad dept, high credit score and always pay the interest to the propertirs on time and pay out the credit card debt. The high rotation is just due to sign up bonuses most banks offered.
I have dealt with most major banks including and not limited to Bankwest, Westpac, Citibank, American Express, NAB, ANZ, HSBC, st George, etc.
I applied fo...r a new card online, summited the usual documents that i submitted to other banks (including ATO NOA & employer PAYG slip) - same details and it is normal for most banks to come back asking for more details and in this case they ask for a bank statement for the last 3 months showing income. I had my income distributed to 2 different accounts, again due to account benefits. But the statements only came in quarterly and i happen to be on the wrong end of the stick, latest statement from the bank is about 1 month and 2 months old reslectively. So i lodged a transaction listing showing the last 3 months of account activity. For both accounts, naming the files of thr PDF by the account name. Sure enough i had a message to call the bank. So then i called and pretty sure went to a call centre in India ( overall i rang 4 times, all Indians).
Non Existent Customer Service
A simple refinance to parent bank Westpac has taken more than 5 months and is still not completed. Even lodging a complaint gets you nothing but lip service. Requested a statement of interest for an another loan that had just been discharged, and was told they can only send them by post or to a branch. 5 - 7 working days. Seriously in this day an age? Most other banks can just email these out immediately.
They are simply not interested. The sheer number of 1 star reviews says it all.
If i could give no stars i would! Worst bank ever!
Worst bank in the history of Australia! They closed all my accounts without a shadow of an explanation as to why. They sent me 30 notice and tried calling them religiously to ask for an explanation and maybe a review/reversal, no call back at all. Extremely rude and useless! Imagine how hard it is to replace all your direct debits, credits, credit cards etc stripped away just like that without even an explanation or a chance for their decision to be reviewed. After banking with them for 5 years you dont even get a call back. All y'all stay away from this bank!!!
Terrible service, rude and no consistent information
I’ve been with this bank for 2 years and found myself in a hard situation where I needed to refinance. I called once to get information regarding if I was able to refinance the mortgage into my name With my income and rental income. Received information that I could and the lady said it was an option for me to explore. I asked to think about it and call them back. Called them and got a man this time who told me that he couldn’t tell me if it’s an option, wouldn’t tell me an estimate of my potential borrowing capacity and refused to even tell me...how long I would need to have rental income for before I could use it to demonstrate my borrowing capacity. The lady earlier in the week was able to tell me ball park details (albeit in a fairly rude and blunt manner). He belittled me and was evasive to my general questions. I was not rude in my questioning, I was genuinely confused because of the lack of consistent information. I have never once left a phone call with bank of Melbourne feeling happy or satisfied with the way I’ve been spoken to. Do not recommend getting a home loan with them. It’s a bit of a nightmare if you need their advice or assistance in any way.
Staff so incompetent you couldn’t make it up
Took so long to process my loan that I almost lost my holding deposit. Then I paid off my loan early. Account was removed from my APP so thought all Ok. Now trying to purchase another car but the account was closed incorrectly so they cant provide anything to give to my new lender. It’s been escalated but they tell me it could be weeks to sort out. Thanks for nothing.
Quite Possibly the Worst Bank in the World
This bank is so bad it is laughable. They honestly could not stuff up more if they tried. Painfully slow to process anything and when they do, 99.9% of the time it will be full of mistakes. Avoid at all costs and look elsewhere.
Zero stars if I could- Worst bank ever, no such thing as customer service at Bank of Melbourne
Been with BOM for 9 years. Home loan originally St George, So no choice at time when Bom took over. redraws were always a problem, forced to open an account to deposit our redraws in first, just poor. Today Hours on phone to query a transaction and stating we had defaulted. Impossible as we pay above loan payments by an enormous amount weekly via the banks own direct debit that they established. Clearly shows Bom received and also taken from external bank account. In Bom for over an hour at a scheduled appointment to close loan and account. Cou...ldn’t be done because no one in their half a dozen different departments could say why this is so, staff member was on hold to these departments throughout the hour. Left with no resolution, lost an hours work and are no better off. Just want BOM out of our lives. Never ever deal with the Bank of Melbourne, local branch means nothing with the ridiculous call centres that local staff have to interact with. If you like to be left hanging, have no answers, while they pilfer you’re money, then this bank may be for you. At a local level no preparation prior to appointment was completed when my husband and I were specific in what we wanted to do on the day. None of it makes sense. Very very poor and very angry at how we have been treated. Asked if we could get manager to call someone higher up and were told he would also have to wait on hold as well. Awesome the bank manager supposedly has to wait in a phone cue to a Bom call centre. Please.......I think we were lied to. After an hour sitting in there in these times of Covid-19 we were done. Walked out to him assuring us he will call and let us know and will stay on phone. He didn’t of course. We rang at 4.45pm bank closed at 5pm rang rang rang no answer, nearly got to 5pm and emailed him. Oh I have had other appointments, still saying money hasn’t cleared and won’t for 5 days???????? Um yeah right funny how it’s on our Bom bank statement as deposited, lodged a formal complaint and if not resolved to our satisfaction next week will go higher I guess
- Verified customer
Secure code will never sent to you...
I am banking with BoM for a number of years .. actually this bank is my saving dock.
The biggest problem is when you want to make transaction to a new payee.. they never send you the secure code by any of the two methods (SMS and phone call) they offer. Because I re-ordered secure code, my account was suspended twice. had to go through id verification twice each took 25 mins
This means that I had to pay late payment fees and have no access to my fund when is most needed, absolute unreliableness.
Seems like it's getting longer to process transactions to your own different account
It used to be no longer than one business day for BPay . It's now 2-3 business days to process BPay transactions to your own different account with another bank. Covid-19 has definitely affected the productivity on bank employees sadly!
EDIT - I received the credit the next business day itself and thought I should give them the due credit . Had I not been on top of this would have taken 2-3 days for sure
Fraudulent transactions process
Recently someone fraudulently purchased items using my visa debit card. The bank stated it would be 21 days before i receive an investigation number and then up to 45 days before i would see my money if they deemed it was fraud.
The purchased items were still pending when i stopped the card. I bet it would be different if it was the banks money!!!
Questions & Answers
Hi i transferd money from my old account (nab) to my new account bank of melbourne on sunday 11th feb 18 and its now monday 12th feb at 10pm and still nothing how long does it take normally to get money in your bank of melb account because this is pathetic
Make sure all your details are in, even you date of birth, who you have loved in your life, who you have met on trains, where you have lived, & who with, whatever you can think of, even if you dye your hair...... They are so fanatical, it's mad.....&.. YOU have to tell them, THEY DON'T ASK You!! They are so protective of themselves, they want to know what brand knickers you are wearing, & when you last washed them.............. Is all that safe? Not always, I'm still waiting! 2wks Late already! Grrrrrr!!!!! Take a list of this with the answers, as they DO NOT ASK YOU!!! GRRR! But, end of the day, the Staff are nice... It's their idiotic system, They should have a list of queries too!
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