NAB Classic Banking

They make mistakes I have to solve – This is not a good bank to deal with. Nothing but problems with them. They blocked my debit card just because I did international transfer while they know I am abroad. No email no phone call just block. Few months later again!!¡!! Was in manila left with no money !!!!! No excuse instead they replay on a official complain they did all ok !!!!!!!! A… Read more

year before they made a important transfer from 17000 dollars wrong. Telephone call I had to come to the branch!! What ??? Who made the mistake? Arrogance to the top disaster bank !!

Navigating NAB: A Disappointing Journey Through Outdated Processes and Inaccessible Services" – My experience with NAB has been disappointing, to say the least. Despite being a customer for six years, I found their customer service to be impossible to deal with. Whenever I needed assistance or wanted to make changes to my account, it felt like pulling teeth. The process of changing to a new BSB account was particularly frustrating, as it… Read more

seemed like nothing could be accomplished smoothly.

One of the most frustrating aspects of banking with NAB is their insistence on having an active product with them to access internet or mobile banking. This requirement meant that I couldn't even log in to manage my accounts without jumping through hoops first.

Moreover, NAB's outdated card printing process left much to be desired. Their cards felt old school, with binary card numbers that were difficult to read, especially for someone with visibility issues. In this modern age where aesthetics and accessibility matter, NAB's approach felt archaic and cumbersome.

I strongly believe that NAB could greatly improve the customer experience by introducing virtual digital card numbers. This would allow customers to start using their cards immediately, without having to wait for physical cards to arrive in the mail. Such a feature would not only enhance convenience but also align with NAB's slogan of being "More Than Money."

In conclusion, NAB needs to prioritize consistency and innovation if they want to succeed in today's competitive banking landscape. As a long-time customer, I expected more from them, but unfortunately, they fell short of my expectations.

Great Bank and love their services – I was looking for another bank account, that If I needed to go to a branch, that I could, I found this Bank was the only bank that did not charge an account keeping fee, the others you have to have your pay and or deposit x dollars in, to not have to pay a monthly account keeping fee. I have never had any issues with my account, and love using their mobile banking app

Excellent value-packed bank account – I have been with NAB for almost 3 years and can't really fault them. The account just works. $0 fees, plenty of ATMs around, and branches - in fact there's 4 around my workplace so if I'm ever stuck there's an ATM or branch nearby (though I've never really needed to go to a branch because 99% of what I have needed to do I've been able to get… Read more

through Internet Banking, mobile app or one of their Smart ATM). That's how it should be as far as I'm concerned. Internet and mobile banking is always available when I need it. Now that they have Apple Pay as well I think they're easily the best value offering on the high street. The few times I've had to deal with someone over the phone the process has been simple and the staff are pleasant and helpful. The only thing I would like is a better interest rate for savings accounts, but, that's nothing to do with the transaction account.

Pretty good overall – Good product overall with the debit card included for everyday spending. I opened an account after trying to get a small loan from commonwealth and got rejected and NAB was offering the NiLS loan to pensioners. My only gripe is their internet banking platform is basic and not very easy to navigate compared to the commbank. I hope they improve it.

Fraud department is terrible – Forty five minutes on hold to be hung up on.......Another wait of thirty minutes and nothing. Then again this morning another expected wait time of an hour.

NAB internet banking – i got scammed back in August 21, took our money and took more than two months for NAB to say can't reverse the money, while other bank reverse immediately , where is the NAB internet banking security ? how can i trust NAB ?

a resonable internet banking product - but poor service – I use NAB for basic banking and have always found their internet banking easy to use and reliable. I had a problem (still have the problem probably) with NAB registration for Bpay. That system allows you to register billers with NAB so that NAB notifies you when bills come in and reminds you to pay them, and gives to access to copies of the bills… Read more

through a link to the billers site. Worked fine for years. Then the system started just hanging when trying to direct me to the registered biller's website so that I could view the bill. Over several phone calls (and they are difficult people to get to) NAB staff took me through a bunch of checks. I tried using different browsers and different computers without success. Each time I rang I had to start the story from the beginning, there seemed to be no useful records kept of previous calls. The last person said that it must be a problem at the NAB end, that it would be escalated to a technical section, and that NAB would contact me after investigating. That never happened. I gave up in the end, and deregistered the my billers from my NAB banking. Now I get my bills directly from the billers, and pay them using NAB internet banking. Less convenient but at least it works. Very disappointing service. I also bank with Westpac who are much more accessible and reliable than NAB.

Fraud department inept – I followed advice on the accc on what to do if you think you might get scammed .I was tricked into a possible ph voice phishing scam were they record your voice and use it for voice recognition to change bank details along with other things .When I phoned Nab fraud line they said there was nothing they could do to protect my accounts .They said… Read more

our department doesnt use voice but the rest of the bank does .Maybe the service line may be able to help .It dosnt make me feel at ease I thought they might be helpful little bit more.No bank details were disclosed.

Not good – Went there today to open an account, they asked me if i have another account with other banks!! I said yah. I don't know why she wanted to see my other bank card. A lot of personal questions which I didn't like !!!!

NAB's Inept Bank Fraud Prevention Unit Actions – Blocked my transaction and then phoned me to verify the transaction. Asked me reasonable ID questions. Good well done. But then the “wheels came off”: a smaller subsequent transaction to the same external account was blocked and I was NOT informed. When I phoned in the next day to inquire was asked for a driving license (DL) number from over ten… Read more

years ago from a different Australian state. Did not bother to check my current DL with the online database. Alternatively, asked me when I opened my account with NAB over 17 years ago. Had to travell 10 kms to branch and and spend another 30 mins proving ID. Had to re-register for online banking and re-load the smart app. But still the transaction was blocked and necessitated another 10 minutes to get it unlocked. Bewildering inept and draconian fraud prevention actions.

Literally the worst service ever given – Got a credit card for a specific Purchase. Was approved- Arrived and then blocked. Took over a month and a half too get verification after sending documents constantly- When we arrived they said should have never been issued. All other banks gave us one straight away after and no issue with credit. Absolutely awful. Was going to move business bank but absolutely avoid ......ridiculously unorganised.

The worst transaction account ever – I have been banking with them since 2013 and they give the worst interest on this account so I would recommend opening a Choice account with Westpac for your spending but only with a handy card and getting a Global Currency Card just for travelling only.

useless online application – Applied nab classic transaction account online with driver license. Was quick. Next day deposited money in branch. Then did some transactions. a few days later, account was locked. called the customer service number department to try to figure out whats wrong. Was told only way to unlock is to go into branch to provide ID. Because I guess the… Read more

online application was useless as it only took drivers license and nothing else.

Thanks mate. now I need to go branch again!!! You could of just ask for more ID during the online application process instead of wasting customers time in this back and forth process and locking up peoples money. Useless NAB

Bad start – I was a previous customer with this bank 15years ago. I returned to give them another go, it was the biggest mistake I ever did. I opened 2 accounts attaching a platinum visa card as it didn't charge me international transaction fees. Not even less than 5 days opening the account, I attended the Earlville branch requesting for my card to be… Read more

activated, change my mobile and pin number. That same day I purchased several items from woolies only to have my card declined. I rang up and they told me my card wasn't activated and none of the original request I previously made with the original branch were honoured. 2 phone calls with the same problem on 2 seperate days when an operator from Melbourne told me I had to visit the earlville branch to rectify the problem. It was the biggest run around that I have ever conducted not to mention wasted days and phone calls and no one seemed to know who I was suppose to speak to. Nab you will never get my business again after this debacle.

Extensive call not so extensive – Waiting too long on calls. No proper facility to speak to someone. No follow up on the calls. More than 3 weeks and finally set up my nabk account and now my contact details are wrong. Canooy is internet banking as my sms code is going somewhere else and now i am stuck trying to call you. 23 mins wait already as i am typing this. very frustrating.

Some branch staffs don't seem trustworthy – We opened a new account today at Indooroopilly branch but the staff didn't give any paper. It doesn't seem trustworthy.

Judgemental of people on Centrelink benefits – I’m on a Centrelink benefit in addition to working part time and studying. I’ve had personal loans and credit cards from NAB in the past and have always been on time and reliable with repayments. I had paid them all off and a year later, with the same amount of income, I went to open a new credit card and the man I was speaking to told me I would… Read more

most likely not be successful. When I asked why, he said it was because my Centrelink money was supposed to be spent on essentials like food, rent etc. I felt humiliated and asked to speak to his supervisor. The supervisor informed me my Centrelink payment could cease at any time if I was deemed ineligible and the tone of voice was unpleasant and they appeared disinterested.

I’m not really sure how that’s different from paid employment which could change at any time too if a persons circumstances or the business circumstances changed.

I said I would like to close my accounts as the tone of voice and say I was spoken down to was very unpleasant.

I’ve since changed banks and won’t ever be banking with NAB again - during my banking with them I paid off 3 personal loans and a credit card and for them to speak to me in that manner was humiliating and degrading.

Time for a change! – I have had a nab account for years and use it overseas as well. I recently had to rush to UK because my Dad was dying and literally dropped everything and left. The last thing on my mind was ringing the bank to tell them I had left. Once over there they blocked my card so I was left penniless. I rg my hubby but the bank wouldnt talk to him and… Read more

said to rg the emergency number on the card which i did. The so called emergency number had a recorded message saying the bank was closed!! When I got back I put through a complaint which to date noone has responded to. If they took the time to go through my card history they would see i use the card frequently overseas. I understand the security and of course appreciate it, however, sometimes common sense needs to prevail in emergency situations. There is a 7 hour time difference so not being able to contact them on the ‘emergency number’ is something they need to review. They had verbal info from my hubby I was over there in an emergency situation but they made my life harder not easier.

To much time – I recently applied for a credit card at a Nab branch. They told me it will take maximum five working days. So the sixth day i gave the Nab online service a call but they didn't receive my documents and advice me to go back to the branch, so i when back and the lady that served me said that she can see the email and she got a response back that she… Read more

needs to speak with one of the credit managers but the weird thing is that Nab does not have any in any store. Eventually they called back and told me that everything is fine. My only consideration is that if i didn't step in my file would be still stack somewhere in Nabs system.

Fast Payments is Perfect! – Not only is the NAB customer service outstanding, they are currently the only bank I deal with that has actively promoted fast payments, meaning I can send/receive money in under a minute! Most banks overseas already offer this, however NAB is the only bank locally that I've seen offering this to customers!

Terrible. Changing banks – I have been with nab for nearly 11 years... I had the opportunity to overdraft $50 each month. Suddenly the option has been taken from me with no notifications or anything. And I have also been having issues with small amounts of money being held from my account for 24 hours then suddenly appearing in my account balance later. Example, I made a… Read more

purchase yesterday of $6 and I had $10 left in my account, as soon as transaction is made my bank says i have $0 in my account then the next day the $4 that went missing has appeared again. ONE WORD - DODGY

Awseome service – NAB are always very helpful and nothing you ask them is ever an effort, when it comes to standard transaction account would not choose anyone else

Customer service outstanding – Customer service was amazing , very helpful and when I had issues staff supported me though the process to get required outcome ..New customer so far outstanding

NOTHING CLASSIC ABOUT IT – Had this account for a few years - Had up to $2000 in account and in one month got 1 cent interest. No such thing as one cent. Buy a small item at a shop, using my money and get slugged a one dollar fee. I get slugged one dollar, but the bank give me 1 cent. Not good enough NAB

Calling for help since 3 years - still NAB can't help – My problem: I don't receive the SMS confirmation when I do a funds transfer to a third party account using the NAB iOS app. Story: Since about 3 years I have made numerous calls, talked to the same number of different people. Every NAB officer takes about 5-10 min just to understand that I am not talking about my SMS reminders, but the SMS… Read more

confirmations when I do funds transfer. Everyone thinks I am stupid and gives the same answer - "May be you are not checking the box just before finalizing the transfer".

I have tried everything they asked me to do - try again, reinstall the app, re-enter the phone number, try again, send secure mails through online banking, wait for us to escalate this to tech team, wait for a few days for a call back, try again (yes again)... etc

I decided to write this review after I made another call recently as I did not receive any call from NAB as I was promised the previous time. This time the man virtually admitted that nobody in his team or the tech team knows how to fix it and suggested (again) that I could be doing something wrong - so now I have to go to a NAB branch and transfer funds to a third party in front of a staff, and show them what I am doing. He is saying that's the only way I can understand what am I doing wrong. NAB refuses to agree my method is correct and that this is a technical issue.

I've been a NAB customer for 5 years now, I've been transferring money for the same time. But there's no way they can fix such a simple issue. And when I look at other people using other bank apps, I feel like NAB is right - may be I am an idiot sticking to NAB for so long.

Deposited $660 over 1 week ago has not been credit to my account..will never bank through post offic – Very disappointed with customer service no support at all..need money for bills etc..have made numerous calls..to the customer service number..find my money please

cant change of address & sho no balance in your mobile app? – Your mobile app shows thay you dont really care about your customer, u dont show any balance, why? so we dont monitor?? Cant change of address either. Do you really care about your customer or just at least u have mobile app too like any other banks?

Couldn't change the address – I moved to new house and changed the address, still the letters are mailed to the old address. the funny here is, the new house is my own house which is mortgaged with NAB and they send the address to old address.

not good with phone numbers – cannot change my mobile number and cannot get internet banking to register. waste of time going in there and explaining the same thing over and over again. NOT GOOD ENOUGH

NAB Classic Banking – Timeline of setting up account: * 5 April - Applied online * 10 April - Application successful, account opened and welcome pack sent * 16 April - Welcome pack received * 17 April - Went to branch to provide identification and order NAB Visa Debit Card * 28 April - Visa Debit Card received and registered for Internet Banking (IB), available… Read more

balance is $0, despite making deposits

* 30 April - Went to bank to provide signature specimen, available balance matches current balance, therefore able to transfer moving in IB

* 1 May - Visa PIN received in mail

I am very happy with my NAB Classic Banking account, despite it being slow to setup. It's important to note that I am a new NAB customer and this was during Easter, so there were a number of public holidays that probably impacted how long it took to process.

After I set up Internet Banking, my available balance was $0. This was annoying as I wanted to transfer some money. I sent a secure message through IB and was told I needed to go to a branch and fill out an Account Authority Card before my money would be available. I went to the branch but I only needed to provide my signature and it was very quick, but I'm not sure why I wasn't asked when I went to a branch on 17 April with my identification. No fees, ATM network, Internet banking, Visa Debit Card Slow to setup, had to revisit branch and provide signature specimen

Holy cow... extremely difficult for joint account holders to use – I just signed up for classic banking because of refinancing a mortgage and 2 additional home loans for investments. My wife and I always have joint accounts and never had any trouble with setting up or making account changes before. I do all the banking as my wife is from a non Australian background with limited knowledge about this. Now, the… Read more

problem is that we have separate ID's. I have never come across this before as I usually bank with Heritage and also Bankwest. The problem is that I can't act on my wife's behalf like I normally do!

As we share everything it's no brainer that I can answer her security questions. We'll see how it goes once everything is set up but I am leaning towards going back to Bankwest or Heritage bank. Can't think of a pro at the moment as at this stage it's hard to use Seperate ID's for joint account holders and one party can not act for the other

Brilliant No 2 ways about it – Moved to NAB after being fed up with comm banks. The branches are relatively smaller but everything seems to be spot on. Had account for almost 4 years now but never really used it much. Now that I am, fallen in love with it. Only wish they had 24hr cash deposit ATM. No Fee. Credit card criteria too high.

MyCARD is terrible, shocking service, on hold for over 40minutes to just speak to someone.