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 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 p...hone 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.
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
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 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.
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 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 1...0 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.
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 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.
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.
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 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
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 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 re...quest 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.
I received a cheque in the mail so had to go to the Bank to deposit it. No problem here BUT
It was a NAB Bank Cheque for a large sum and a Friday afternoon. still no problem BUT
The bank teller stated that the funds would not be avaliable for 5 banking days i.e the following Monday week (the 6th banking day) after deposit. I was taught by a bank were I had worked that a Bank Cheque was like cash ???
Also and it was a NAB Bank Cheque it appears they do not to trust themselves, when they issue cheques.
What is the Australian Banking System c...
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.
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.
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 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 super...visor. 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 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 h...as 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 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 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
Questions & Answers
How can I make a transaction of my NAB account to another account if I am not an Australian citizen and resident.
For your information : I have my NAB credit card with an NAB ID number.
Need to open a savings account for my son, who's 16. the on line application stops when i put his birth date in. how can i open an account thanks
Under the age of 18 I believe the bank requires and adult to be co-signature.
Ring online support or go into a branch and get a 'human' to assist thru the online application
That is if there is more than 1 person in the branch. Our local branch usually only has two people at the busy hour ie 10am to 11am or 3pm to 4pm *** that's what they call customer service....
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