G&C Mutual Bank

After being screwed around by major banks. I found G&C Mutual Bank. Definitely one of the best banks ive been with. Customer service is fast and you actually speak to a person in Australia. They also sort your problem there and then, if they cant they tell you and actually call you back with the solution. Their staff are great and friendly. If your tired of the hassle of the major banks, I definitely recommend you consider G&C Mutual. Show details ·  1

Recently became customers of this bank via their merger with Unity Bank and have received atrocious service and disconnected, outdated systems. We attempted to apply for a personal loan, thinking as our mortgage was on file it would be a smooth process. I was treated to a microsoft form with outdated information and no confirmation email. The… Read more

only way that i was certain the application was received was via a credit check (which I wasnt given notice for).

It was radio silence after that. I tried contacting via email twice more after that and provided my post code when prompted but never contacted or followed up with after. Ive tried calling once only to have the call disconnected from their end. The credit check is affecting my score and impacting my ability to take my business elsewhere.

Words that come to mind when I think of G&C Mutual Bank: 1. Rude 2. Obstructive 3. Horrific customer service 4. Unethical fees 5. Incompetent Do not use this bank if you value your time and being treated with respect. Employees are on a spectrum ranging from somewhat helpful to wildly incompetent. I believe some revel in the opportunity to… Read more

be as unprofessional as possible because clearly whoever is in charge of quality assurance has left the building. Everything from the ancient application process, through to “experts” failing to understand even basic high school economics through to an app that appears to have been developed by someone who doesn’t own a smartphone. And I haven’t even mentioned the surprise fees! If you ever have the displeasure of engaging with any of the home loan “experts” you will likely require counselling, there are two old females specifically who are genuinely the embodiment of human misery and offer no flexibility or basic decency. Avoid at all costs, only one step removed from being loan sharks, and I am being kind.

Great service and pricing – Really positive experience refinancing our mortgage to G&C. Process took a while but communication was excellent the whole way through. Special thanks to Julie Dennis for her efforts. Show details ·  1

Customer Service – It was pleasing to encounter great customer service in this day and age. G and C Mutual Bank showed tenacity overcoming hurdles put up by an 'ex big 4 bank' whilst helping me out with a matter. Their communication was also exemplary

Very happy so far with G & C – G&C were the only bank to look at us when we looking to purchase our first home with a small deposit. They made the process so simple for us and whenever we called we spoke to the same person who we were familiar with. Two years later it was such a simple and easy process to switch across to a fixed loan at a fair rate when interest rates were… Read more

starting to hike. To this date we are very happy with them and we love how easy it is to speak to a real person and get a fast response. When they say they will phone back in 5-10 minutes, they really do!

Absolutely shocking customer service. Do not use this bank id you want to be respected. I have been a customer with them for many many years and noticed an anomaly in my statement. After waiting 25 mins on hold, [Name Removed] was aggressive and rude, he was not willing to take the time to explain to me how the error had happened or address any… Read more

of my concerns and in fact terminated the call. I had similar service from them some years ago and was willing to give them another chance as this was not my main bank. Sorry G & C but you just lost my savings account.

Application process and Customer Sevice – Applied for a card when completing didn’t have documentation required but was still able to submit. Received an email saying someone will be in contact but nearly a week and no one. Even emailed an enquiry asking how to submit the documents I was missing and no response (checked all inboxes including spam). Ended up calling today to rescind my… Read more

application and even then don’t feel too confident that has happened. Going to follow up next week. Product looks great on paper but application and customer service is a lot to be desired. Left me feeling like they couldn’t be bothered. Even if they had denied my application at least tell me.

Home Loans – I was trying to grab a homeloan. They have asked for many documents, accounts, retirement funds and then appeared as confused not grasping the information and asked for my wife's super and financial detail so she has never works for ten years. When the info provided to them I was ghosted and never heard from them again.

Why I'm leaving G and C Mutual – I've been a member of this bank for many years,decades in fact,since they were a credit union. I'm embarrassed by how appalling they've become. Customer service is dreadful as in it's usual to wait at least 30 minutes before your phone call is answered if at all. The "new" online banking system is comical. Has to be experienced to be believed. So… Read more

bad you couldn't make this stuff up. Attempted to apply for a credit card online.total waste of time. On attempting to provide my Medicare card details? I couldn't given my expiry date is 2027 and their drop down date mechanism only goes up to 2024. I was then sent a pdf application by a kind member of their staff. Comical in that it was so convoluted and poorly written, I was treated to 3 phone calls to clarify my responses. I had to explain to the staff member what salary packaging was and how it works.pitiful and embarrassing for all concerned. Don't get me wrong.the staff are wonderful.however the policies and guidelines set by management are out of date and not helpful for their staff or customers. I'm packing up my funds and leaving. Not happy about it as it's been important for me to support them,but enough is enough.

So done – I withdrew all my money after years of banking with them and they continued to charge me an account fee without notifying me. Their online banking service is also just hard to use.

End of phone banking – Was recently notified phone banking services will be turned off in September. That means I will not be able to manage my finances from remote areas that that have no WiFi and only have land line telephones. I am now forced to withdraw my money, close my accounts and open a new bank account with a bank that has telephone banking. So unhappy. Show details

Log in failing to respond – I have been with GandC mutual for decades. This is the second time, of late, that the log in to the app has jammed, that is, not opened my account. Although the phone number is advertised as being active 24/7, it is in fact, only operative during business hours. Very frustrating. Generally my experience with GandC mutual is tops, I wouldn't change banks for quids. Show details

Biggest rip off ever – My mother passed away having a reverse mortgage with G&C . Even after her passing they just kept the interest rolling, to the tune of 56 K in 12 months. Other banks offering similar stop interest until settlement but not this bank, so beware ... Show details

Can never seem to get through – I have no complaints at all with the customer service representatives (I feel sorry for them) or how my finances are managed, but try to ring them (even if they ask you to in an email) and you are left dangling, time and time again. Or have them ring you back? Kidding. Way too slow. If I ever hear one more bank saying "Thank you for waiting; we… Read more

apologise for the delay. We will get back to you shortly" I'll froth at the mouth. If I hear the oft-repeated lie "We are currently experiencing higher-than-usual call volumes, I'll die laughing. Put some call staff on, please. Don't you value your customers??

Don't waste your time – Applied 3 months ago for a home loan online with G&C mutual, was happy that they called me back the next day to proceed with the loan application. However after providing all of my personal information to them for the home loan they never came back to me. I rang multiple times and was always told it was with the credit department but still haven't heard back from them. Show details

Incompetent, discriminatory fools! – I applied for a credit card recently (something I have done previously with other banks). The process has been terribly organised. They asked for documents/information that no other bank ever asks for. They don’t seem to understand how to substantiate income. To top it off they asked me to provide my partners payslips or they were going to… Read more

decline my application because ‘there’s too much money in our mortgage redraw’!

The application was for a personal credit card. This has nothing to do with my partner and having money in a mortgage redraw is a good thing!

Fundamentally this bank is actively involved in discriminatory behaviour. Shame. Shame. Shame.

If you’re thinking of dealing with this bank, DON’T!

Term Deposit Limitations – Be aware that you are limited to a maximum of TEN (10) Term Deposits when using G&C Mutual Bank. The TDs are numbered XXX, XXX.1 to XXX.9. The only way around this limitation is to contact G&C. This will of course incur TIME delays. This has left me very disappointed with the overall service. Show details

Utterly useless - don't waste your time – If I could give 0/5 I would. They ran a special 5.49% offer to refinance home loans. I responded online and was sent an email advising the bank will contact me. After 2 weeks of silence I rang to inquire and was told they are inundated with responses, confirmed receipt of my interest on their system and hung up on me. I have yet to hear back from… Read more

these people and the 5.49% offers has now expired. I think I have dodged a bullet. If this is how they behave to try and win your business, I can't imagine how bad their service would be after you are a customer of theirs. Steer clear people!

What a poor standard of bank. Hopeless – Its hard to put into words the dissapointment from this bank. There home loan department is the most unprofessional and obstructive department i have ever had to deal with. They seem to not know what they are doing and have cost thousands in extra money due to there inability to do there job effectively. I would not recommend this bank sorry. Show details

They refuse to cancel my accounts – I have asked multiple times to cancel my account and they refuse to

Increased the rate of refinanced home loan in one month – I found G&C in finder.com.au and they had the lowest home loan rate at the time so I refinanced my home loan with them but only after one month, they increased the rate. I would have chosen a different bank if I knew this is going to happen. It seems low rate was offered to get people on board and then change the rate. Show details

Refinancing experience – I am new to bank and the whole process started when I did an online application for refinancing. Catherine from G&C handled my application from the beginning to end and she made the process super easy, smooth and quick. It took around 2 weeks to hear from the settlement team however they finally got back and got the job done on the agreed date. The rates are competitive Thanks G&C team and Catherine Show details

Very Disappointing – The bank would not refund money taken fraudulently from my account. The manager would not return my call. When I closed my credit card acc I was sent an sms that I had to pay $50 & if I didn't I would get a late fee. This is meant to be a community bank & they are charging me to close an account. I am a low income earner & this is despicable. I… Read more

started with this bank many years ago when it was a credit union. The customer service used to be great. Now it is terrible. They are cold, abrupt & seem to want to be of as little help as possible.

Fantastic Service and Competitive Rates – I can not recommend G&C highly enough! We applied for a home loan and were pre-approved within a very reasonable time frame. We initially started to apply through one of the big 4, but changed course after a phone call with Teresa from the Home Loans team. We secured a great rate, and were always kept informed of the progress of our application.… Read more

The customer service provided by Teresa and the G&C team was of an extremely high standard and I can not thank them enough. Being a small lender they provide a personal touch. What G&C lacks in branch locations it makes up for in exceptional service and competitive rates.

Avoid – I was previously a very happy Quay CU customer, they could never do enough for you. Since the acquisition I have seen the service level deteriorate to me now shopping for a new bank. Their credit cards do not allow you to book tickets without contacting them first, they only partially pass on interest rate cuts and on attempting to increase my… Read more

home loan significantly for a new property it took 3 emails and a phone call just to get a response In today's competitive environment they need to be better

So disappointing – Joined G&C as investor fixed loan and have had a truly terrible experience coming off fixed loans. I have registered a dispute and will update this post thereafter according to the outcome. Show details

Disgusting bank – The bank charges you $50 if you are in debit a cent Disgusting When you phone them they have not sympathetic

Fee creep – Started out with a Quay credit card because they had great interest rates. As seems to be the case with a lot of these small credit unions, it got bought out by G&C Mutual who slowly lifted the fees to the point where it was a lot cheaper going with a major bank. I have no idea what goes through the heads of the exec in these companies as they must realise they'll lose customers. Anyway they lost me.