Beware of balance transfer of credit card
I've been with them for over 6 years and did several balance transfers from other credit cards but in the last one they start charging me interest when I thought my balance was all at 0% from a balance transfer.
They argued that I made too many payments outside the billing cicle and it went to that balance transfer so they charge me interest on other purchases
So unless you have nothing to do but checking when is your billing cicle, just don't do any balance transfer because you'll be charged 2% balance transfer fee and you'll end up paying interest like me.
Shifty way to deal with costumers if you ask me.
The worst and brainless robots
I've been with tgis bank for 15 years and after i expressed my disagreement ONCE about my credit card they sent a letter stating that they are closing my account. What a brainless place.
I have been with BankWest for over 2 years and have never had an outstanding CC bill. I applied for a CC increase (on a CC with a the lowest limit) and they declined my increase WITHOUT reasoning, twice. I had to chase the bank for all outcomes and was never provided any reason as to why it was declined. Not only have they wasted my time, the handling of this was quite offensive. I have never had a problem with BankWest and likewise, they have never had a problem with me paying off my CC. I am incredibly disappointed in the treatment of the bank and highly unsatisfied as a customer. As a result, I will be cancelling my accounts with BankWest.
Efficient and a Pleasure to Deal With
People who have one negative experience are so quick to jump on a negative and review banks poorly.
My experience has always been a genuinely positive one with Bankwest. Even throughout the current pandemic, the customer service team has been operating 24/7. I spoke to the same rep 3 times with no wait time during one week and she was amazing to liaise with.
Their products are fantastic and although the rates are slightly higher (by only 0.2%) than some of the other independents, the security of being attached to the CBA is reassuring as a ...customer. The nine available offset accounts is a fantastic idea and the unlimited redraw adds to a very "complete" package. The process of signing documents has been well thought of for people in the eastern states and navigation of apps and products is extremely intuitive. Please do your research before listening to the naysayers as this really is a wonderful bank that provide a personal service.
Backward and Antiquated, how do they survive!
Quite obvious how bad they are and couldn't care less as there is no one from Bankwest monitoring and responding to the so many poor reviews on this site. They are so backwards it's ridiculous and there false advertising should be investigated. They advertise a balance transfer offer of 0% for 26 months on their low rate cards and say you must earn at least $15000 to be eligible. Well if you earn over 7 and a half times that amount, have an excellent credit rating but want to take up this offer, the pathetic credit limit they offered based o...n this information wouldn't be worth transferring diddly squat. Rang to ask what the go was and even the bloke I spoke to said they are very, very conservative when it comes to lending because they are not one of the "big four". Only owned by the biggest of the four, must be really going down the tube. After a lengthy period with them, closed everything today and took my business elsewhere. They are a joke people, give your loyalty to someone else cos it means bugger all to Bankwest.
exactly I extremely will always use phone banking please,and also be at Bunbury Forum branch
I have been with R&I, bankwest 60yrs ,YES They are so awesomely helpful reliable supportive protective & wonderful in everyway .The customer service is always brilliant supportive & very wonderful service in everyway .Today on phone banking I had to do 0 help talking the help was caller Leesa no. bb88510 was so helpful again for me. Thankyou for phone banking & productive awesome starf
The reviewer stated that an incentive was offered for this review
Appalling customer service to Self Managed Retiree
Yep, another self funded retiree’s online MasterCard application DECLINED. Attended branch , Midland Gate. Inexperienced staff, unwilling to trouble shoot reason, manager unsupportive of staff and refused to pursue matter above branch. Whilst Bankwest might advertise a good product their policies, processes and staff are costing the organization “bread and butter” customers. Shareholders (individuals just like us) should be appalled by the way Bankwest is treating the hardworking financially secure retiree’s of Australia.
- Verified customer
Credit Card Application Denied
Applied for a credit card for overseas travel, was denied. Excellent credit rating, own our own home and investment properties, both on a good income. No reason given, can only assume, reading all the reviews, that because I work part time only this is the reason. Looks like we dodged a bullet - ING offer an account with no international transaction fees which is where we will be going.
* received a letter stating why I was declined - 1. stability of employment - I've only been in my job for 9.5 years (obviously not long enough) and 2. stability of our residence - we've only owned (and lived in) our home for 15 years (again, obviously not long enough).
Poor Flexibility for Credit Card application
Dont bother applying for a credit card if you don't have a full time regular job. They have no ability to adjust to a the reality of today's people. If you have a casual job or run a sole trader business they are useless. Go to Latitude or Citybank for a credit card. They are much more flexible.
Don't bother with the credit card application
I don't usually go online and write reviews, instead I am the one reading them. This is not a vent but more so for those who want to apply for a credit card.
I applied for the Mastercard Zero Overseas transaction. I'd emailed them my payslips, current credit card statements from other banks and also a report of my credit score, she said, due to their policy, my application was rejected and can't tell me why.
I didn't understand considering my salary was over $100,000.00, I pay my bills on time and with a high credit score. I was a little puz...zled. The reason why I applied for the Mastercard was to avoid overseas transaction and you also get the travel insurance with it. I have a 28 degrees credit card and they are great but they dont offer the travel insurance. After reading many reviews, I think the rejected application might be a good thing after all. My advice is dont waste your time with this bank.
no tax knowledge AT ALL
I have invest some cash with bankwest, and the interest I earned have been deducted at tfn tax rate which is over 40%, I told online staff and call them to explain that I am non resident and should be taxed at 10% non resident tax rate, BUT NO ONE UNDERSTAND, including team leader, staff member, that's basic knowledge of interest payment tax deduction. anyway, avoid them if you can :(
No value for loyal customers
I have been with Bankwest for over 15 years holding multiple accounts with the bank. All I wanted to do recently was increase my card limit and have to go through the entire application process again. I had to 'book in' a consultation to discuss the increase and the customer service advisor was actually not very polite and didnt even care that I said Im changing banks to somewhere who value customers and can actually explain why I have to go through all of this.
Rejected credit card application
Have excellent credit rating. No mortgage. Cars paid for. Good salary. Existing cedit card with other bank. Yet rejected credit card application with Bankwest. Unbelievable over an hour wasted listening to repeated diatribe
Worst bank and customer service ever
Applied on line for their Qantas MasterCard as I’m going over seas and it looked good. Sent my payslips and other details they required. Few days later I called and was told that it’s been looked at. The next day I received an email asking for same information including payslips. I sent it again then I phoned to ask if they got it and was informed that they received it. The next day I received a request for my payslips again. By then I was getting frustrated. Again I phoned and was advised it was a mistake and to ignore it. By this time I have...been waiting for 3 weeks to get an approval. I finally got it and in the 4th week I received my card. Then the fun began. I wanted to register for online banking but that was not possible despite having been issued with a pin. Like others mentioned they couldn’t identify my even with all the information I gave. Instead I have to go to a branch to be identified. This has been the most painful, time consuming and frustrating process I have encountered with credit card application. My advice is stay away from this bank. Sue Brisbane
Still waiting on reason for credit card denial
Branch said foreign income was accepted at application stage.
Then branch phoned 2 weeks later to say it would not be accepted as income and that I would receive a formal letter advising me of the reason for denial.
Five weeks later and still no letter received.
If this is the sort of customer service they provide I am glad I don't bank with them
I applied for a zero international fee credit card 5 weeks ago.
Application on-line was simple but the pain starts when they assess your information.
I provided a yearly rental statement, they requested 3 month rental statement.
I had to explain to them that all the information they were after were contained in the yearly statement.
Was looking to get this card before my next overseas trip which was never going to happen.
Customer Service is unbelievably poor, I have no idea what the hold up is but have decided this bank isn't worth my time
- Verified customer
Rubbish Customer Service - these guys deserve to be out of business
This trainwreck of a story begins last year when I got married. I applied for the Bankwest Zero Platinum Mastercard (no intl fees so it looked like the perfect travel credit card to take with us) in 2018, about a month before my wife and I were due to leave for our honeymoon. I thought, there's no possible way that a credit card application could take that long right?
WRONG - The card arrived at my parents' house the day after I left for my honeymoon, as if it was part of some cruel joke. I never used the card in the end and it was cancelled d...ue to inactivity. Fair enough. First crappy experience with BW. Fast forward 15 months and BW advertise 90k bonus QANTAS FF points on their "Bankwest Qantas World Mastercard". PLUS 50% off the annual fee for the first year. 90k bonus points for a measly $135 annual fee? (plus spend requirements of course). PLUS no intl transaction fees. Who wouldn't be up for that?! Fool me twice....here I am writing this review after having waited 30 mins for customer support. They have just told me that my application STILL hasn't moved after a month, even though I have provided all the ID and income check documents. The "case manager" (whom I don't think exists) asked for documents that I had already sent TWICE. How many times do I have to prove my income?? Time after time they provide no update, but when I call to chase them up it takes a proverbial year to get anyone on the dame phone! Meanwhile AMEX approved me for a QANTAS discovery card in 30 seconds, and it never takes me more than a minute to get customer service on the phone. Miles apart....
Terrible credit card experience
I applied for a Bankwest credit card earlier this year (2019). They made it difficult to get the card, and then they made it impossible for me to do online banking. Here's my story: I chatted with Bankwest online when I wanted to dispute a charge I did not recognize. They responded by arbitrarily putting a hold on my online banking. Later I called around 6pm and waited for 40 minutes for customer service to pick up. They could not identify me although I had given them my driver's license number, my PIN, my PAN number, my full name, and date of ...birth. A representative named Jenni Bushby called me back two days later and was rude to me on the phone. He/she demanded that I send Bankwest a picture of me holding my passport through email with other sensitive info and docs. I refused because anyone who intercepted that email could easily perpetrate identity theft. I went into the Burke Rd branch in the city. I spoke with a consultant for half an hour. She assumed I could easily get on online banking. She was completely wrong. I waited 15 minutes as she waited for customer service. And still they could not identify and they would not release the hold on my online banking! **I can only conclude that this is a serious systemic problem in their customer service** I gladly canceled the credit card and recommend to all people never to do business with Bankwest
Terrible customer service with credit card application
Absolutely awful customer service, you wait less time on the phone for centerlink. I applied for a credit card to use overseas on recommendation of a friend over 10 days ago,and provisionally approved. Provided 2 payslips as requested, fully met the criteria, have heard nothing, phoned 3 times to find out status of progress and got back nothing. I have never waited so long on a credit card application, they are a joke. Seriously do not bother going anywhere near them. There are other options out there. I withdrew my application today.
Why the bad reviews?
Not sure why the bad reviews? Ive had good experiences from visiting the branch to using the online chat service to opening up an account. I do agree on some level the online customer service could be improved but nobody perfect and I haven’t had bad dealings. I like the extended branch hours and the staff have been very good there. I even ordered a halo ring which none of the other banks offer.
I think before anybody moves their whole banking over they should just try 1 account like a credit card or savings account. Start small and if things g...
Questions & Answers
Conducted a funds trace with Bank West over a month ago and to this date they have not made any attempt to reply. Funds were placed into one of their customers accounts in error and it appears that they are hiding their heads in the sand and not wanting to have the funds returned to the rightful owners
What is the reply paid reference and address I should use to write to BankWest to attempt to resolve ongoing disputes?
BankWest is the most secretive and obstructive organisation I have ever had the misfortune to deal with. I have asked the bank on a number of occasions and been fobbed off. This bank has lied, obstructed, misinformed on a simple attempt to have an additional card issued. Every time I have followed the directions given the goal posts have been moved. STAY AWAY FROM THIS BANK.
Does Bankwest intend to pass on the latest cut in interest rates in full for all home loan customers?
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