Commonwealth Bank

Two weeks ago I wrote a review on the state of the two ATM'S at the Grafton branch. This time I took a couple of pics, It just goes too show all the billions they make."profit" comes before hygiene.

Not transgender friendly , or teretz syndrome friendly, said i would get a warrning , and didnt give it and still they terminated my banking with them , inc power of attorney abilitys

3rd world country run loan sharks – They make it easy to have your acc info hacked online, quick to take fees, have you driving around for endless hours looking for a atm that isn't out of order, and i can't even send MY MONEY I WORK FOR Back home for donations to my Marae. Thieves liars and scam artists Show details

Don't trust their coin counting machines. Should have checked my receipt before I left. Found out when I got home and checked my receipt, I was short-changed by $5.40. Too late to drive 50 kms back up the highway. All coins were counted into correct denomination bags, but the counter kept throwing back $2 coins, then accepted them 2nd time around. Suggest you take your coin to the counter and make the tellers do their job and you can watch them

Open banking completely bungled by CommBank. We registered early 1 April, and are still shown as registering in the CommBank online banking. But then they disconnected us, and we could not reconnect - message see below. Staff could not understand why, so said we need to register again. So we did. Then the Open banking team said that we were already authorised so they could not process the new form Show details

Recently, CBA decided to shut down its Awards program, which of course is their right to do. However, I’m very disappointed with how they are handling the points redemption. They say, *“We are currently experiencing a technical issue affecting digital gift card redemptions”* and that the issue is being worked on. I’ve waited several days, but the… Read more

same message is still there. It makes me wonder whether this is really a technical issue, or simply a way to discourage customers from redeeming points for gift cards. For example, redeeming points for cashback gives customers much less value than redeeming them for gift cards. So it feels like CBA may be using this situation to push customers towards lower-value options and, in turn, reduce the cost of closing the Awards program. If that’s the case, I don’t think it’s a fair way to treat customers.

Applied for a personal loan and given me 20.5% interest, I was ripped off , I needed the money so I just sacrifice paying for a very high interest plus monthly servicing fees omg this bank is a scam, I have been with this bank for so many years. But still I got ripped off, don’t get a loan from this bank go with Plenti instead they are good and fair company.

ive ben with commbank for 20 yeqrs i've never had to show a photo ID before my birth. Certificate was fine and another document. I mean, what's all the fuss about anyway? I don't have that much money.\n So all of a sudden after 19 years, my account gets locked. Every single card is locked. I have no more access to the app or internet banking or… Read more

phone banking completely locked out because I need to show some photo ID when I've never had it.\n Now I was unable to pay for anything because I didn't have a card.My money was logged in the account and then I had to make arrangements with the new bank.So it put me in a bit of a situation and no matter what , they would not unlock the account i've got 2 credit cards with them that are maxed out so I can't pay those back and\n I had recently lost my job, and it was in Melbourne on vacation. So it was making things very, very difficult.\n But they didn't care, they just wanted that photo ID, no matter what, like why does it post a big deal?\n To have to do that to someone just for a photo Ike If I had known that was the case , then I would have avoided this , and probably just got really bad luck and I don't know what's happened, but, you know, I hope this doesn't happen to anyone else, but, yeah, yes, what happened to me.

[Content Removed] service Tried 3 days in a row but everytime it takes over 1 hr and no guy picking up the call. Just tired of this [Content Removed] Bank with [Content Removed] attitude . Their CEO braggs all [Content Removed] Show details

I am extremely disappointed and honestly shocked by how I was treated. On 18 February 2026, I received an email informing me that all my bank accounts were being closed due to a “commercial decision” and that no reason would be provided. I was immediately locked out of my accounts and unable to access my own money. No notice. No warning. No… Read more

explanation.

I could not log in. I could not transfer funds. I could not use money that legally belongs to me. This created immediate financial hardship and significant stress.

The email stated that a cheque would be sent for the remaining balance, but it did not explain clearly whether I could withdraw funds at a branch or how long I would be left without access to my own money.

When I called for clarification, the first staff member transferred me and the line disconnected due to “outside business hours.” The next morning, I called again at 9:45am. The male staff member who answered did not introduce himself and spoke to me in a dismissive, condescending tone.

When I explained that I had been locked out of my accounts and could not access my funds, he repeatedly asked, “So how can I help?” as though the situation was somehow my fault. He then told me that account closure and accessing funds were “different issues.”

He eventually said I could go into a branch to withdraw my money but wasn’t even sure what the withdrawal limit would be. This completely contradicted the email, which said a cheque would be sent. When I pointed this out, he responded, “That’s why you’re calling now.”

The most disturbing comment was when he said, “We do this 100 a day and unfortunately you’re one of those.” That statement was deeply offensive and made me feel as though I was being treated like a criminal.

All funds in my accounts are from legitimate wages and transfers from my partner. I have no debts, no suspicious activity, nothing improper.

If the bank chooses not to continue a relationship with me, that is their decision. But locking customers out without clear communication, causing financial hardship, and treating them with disrespect is unacceptable.

Customers deserve transparency, dignity, and basic professionalism.

As a CommBank Yello Plus customer in Melbourne (benefits extended to June 2026), I was excited about the exclusive Amber Electric offer: up to $150 welcome credit over 12 months for Plus tier (promoted heavily on commbank.com.au and amber.com.au/cba-yello, valid until 30 June 2026). Despite meeting all criteria (15+ outbound transactions, $500+… Read more

eligible balance for 15 days), the Amber offer simply never showed up in the "Offers" section of the CBA Yello hub. The app showed "No new offers yet. Check back later" for weeks, even after my transactions and balance updated (finally showing 15/15 after a delay). Steps I took:

Reinstalled the app (as advised by 132221 support on Feb 10). Called CommBank twice on Feb 10: Both times told "nothing wrong on your end" – just wait or reinstall (no fix). Submitted a formal complaint (CF-15151868681C) on Feb 12 via the app. Received confirmation it's under review, with a manager to be assigned in 2-3 working days (up to 7 in busy periods). As of mid-Feb 2026, it's still open with no updates, no assignment visible, and no resolution. Meanwhile, other offers appeared (e.g., Uber One, Origin Energy specials, travel credits), but Amber remained missing despite the partnership being active and promoted.

This has wasted significant time and prevented me from claiming a meaningful energy discount for my solar + battery setup. The "data may take up to 48 hours to update" excuse doesn't hold when delays stretch weeks, support provides no real troubleshooting/escalation, and the complaint process feels unresponsive. CommBank Yello promises "exclusive benefits" and "personalised offers," but in practice, it's unreliable and frustrating. If key partner offers like Amber don't appear for eligible customers, what's the point? Poor execution all around – avoid relying on Yello for anything important.

I have been with Commonwealth for 8 years and I have decided to never bank with them again. I sold my car and as soon as I receive the fund from my buyer and my buyer took my car with him, Commonwealth decided to freeze my account ($0 shown on my account as my fund got frozen) with their reason being the fund is investigated for scam related fund… Read more

or ilegally obtained fund. How am I as a normal civillian able to run a credit check on my buyer and know exactly where his money is coming from? And then they also told me I am also getting investigated for scam or fraud. I got an email saying my fund maybe seized if its a scam related fund. So I am will be left with no car and no money. How is this not a criminal act from a bank? They told me they will need 3 days and my account will stay frozen. Am I supposed to just live in the streets cause I will not be able to pay my rent and food because Commonwealth decided to investigate matters beyond my control? They expect me to force my buyer to contact their bank, but their bank (St George) can only say that the funds are already with Commonwealth and its a Commonwealth issue as the fund is already out of my buyer’s account.

As a Commonwealth customer, I realized that commonwealth will not protect you as their only customer.

I signed up for a 5 month net bank saver high interest account. Be warned after 1 month they will change the variable component, even though their conditions online say it won't change until after the introductory period of 5 months. And then to add further insult, they don't then give you the new *introductory rate* available online, they will… Read more

put you on much less. An internal review from the manager, who is condescending AF, will give you no results. Escalating to the Complaints Team also gives no results. Oh by the way no email about the change of rate You have to dig into your account information and it's hidden away (takes about 5 clicks to find the info). Unethical conduct, no customer service and no concept of customer retention. Note the sentence attached, sentence 3, *At the end of the introductory rate period the Net bank Saver standard variable rate applicable at that time will apply*, is false. They will adjust it as soon as they feel like it. To give you all a further update, yesterday I went to close my account. I arrived into the digital queue at 12:36pm and was 8th in queue. By 1:22pm we had a message to say we were near the front of the queue and to return to the branch. We walked back to the branch arriving at 1:27pm. By 2pm, we still had not been served. Finally we were called 45 minutes later. I was rude, frustrated, and the staff member serving me, whilst trying to remain professional could see I was clearly upset, and basically told me she was refusing me service. I explained to her I had the flu, and had wasted almost three hours by now at the bank and should be home. She still refused to serve me for my 'attitude'. I wonder how she would feel if the bank changed her interest rate and made her lose over $4k in 4 months without telling her? I heard an elderly man in the next office, also getting irate and was sadly asked to leave. The bank and staff have no conflict resolution skills, other than asking you to leave. I had to back down and 'apologise' so I could move MY money and I didn't swear or call her names, I simply told her how disgusted I was in the bank and how unethical it was. She threatened to make me come back tomorrow and wait again (wow!) finally she agreed to close the account. It then was sent to another staff member to come and verify. I asked about the waivering of the $30 tfr fee for all the hassles, delay and misleading information, and was told, that she would lose her job to waiver the fee. I enquired with the 2IC who came into the review my transaction, but lucky [Name Removed] (the oh so savvy bank manager had told her he had already denied me this request, way to go [Name Removed], for one of your highest saving branch customers, aren't you just a gem saving your branch $30 whilst losing my money, and also nowhere to be seen helping your staff, or trying to salvage your customers walking out the door, you hid in your office all day). In summary it took 4 staff, and almost 3 hours to close the account. i exited the CBA Orion branch at 3:26pm, sick, tired and disgusted with their threats (to make me come back another day!)The saddest part, not one person said 'how can we fix this'? To add insult, an email 'summary' came through from Primus at the Customer Complaints Team. He refused to even put me on the current Net Saver Introductory Rate of 4.45% because that was for 'privileged new customers'. Let me warn everyone stay away from CBA. After 1 month you will no longer receive the rate guaranteed, or be a new or 'privileged' customer. When I asked Primus how he would remedy this situation to retain my business, he simply said my case was closed. No attempt to keep me as a customer. Today, the most satisfying part of my day, was transferring all my funds to St George, who not only offer a better rate than CBA, but exceptional customer service at their Orion Branch . Do yourself a favour and take your hard earned money elsewhere. CBA, and & CBA Orion do not appreciate your custom. No wonder people are getting asked to leave the bank, when you treat them so poorly.

If there was a negative star review, it would be most certainly be -5 STARS Review of Commonwealth Bank Australia (CBA) – A Caution for Small to Medium Businesses Commonwealth Bank Australia (CBA) promotes its CAN campaign to attract small and medium-sized business clients. However, in practice, it appears that CBA has become increasingly… Read more

disconnected from the needs of these businesses.

One major concern is their practice of holding payments for up to 24 hours. During this time, CBA reportedly leverages these funds on foreign exchange markets, effectively "gambling" with client money while payees wait unnecessarily. To put this in perspective, imagine CBA holding transfers amounting to hundreds of millions for a full day— the interest alone on such sums could surpass what many individuals earn in a lifetime. This practice raises significant concerns about the prioritization of customer service versus bank profit.

Moreover, despite their substantial profits, CBA’s online banking platform and website experience frequent outages, causing frustration and disruption for users.

For small to medium businesses seeking reliable banking services, I recommend considering alternatives such as St George Bank (an affiliate of Westpac). Their service is more consistent, online banking is dependable, and you can speak to real customer service representatives rather than dealing with automated systems like CBA’s AI assistant, Ceba, which many find lacking.

In conclusion, while CBA remains a dominant and wealthy institution, their service model for small to medium businesses leaves much to be desired. I urge business owners to carefully consider their options — sometimes even small actions, like switching banks, can send a strong message.

Caveat Emptor.

I had so much trouble ordering a $26 meal from Menulog tonight. I’ve been ordering with Menulog for years. The bank has put a protection of scammers alert on Menulog making it impossible to order a simple meal from your credit card. I kept trying and trying to eventually locked out of my own credit card. Thanks to this bank no food for me tonight.… Read more

37 years of loyalty this is how they treat you. I made calls of 2 hours on the phone and struck some workers who I refer to as idi*ts. Waste of my time.