NAB (National Australia Bank)

I recently dealt with Eun-Joung(Ivy) part of the Small Business department regarding a business credit card application, and the overall experience was frustrating and unnecessarily time-consuming. I have been banking with NAB for all my banking needs for many years so, I have a very good history with them. I had already attempted to complete the… Read more

application online three times prior to speaking with her and was clearly advised that only to reply to her email with my latest BAS would be required. Following our conversation, I was then asked to provide additional financial documentation that had not been disclosed upfront, and was required to complete the entire application again. Even though I had also provided the information over the phone as well to one of the business bankers for the application to be processed. This inconsistency and lack of clear guidance resulted in repeated effort, wasted time, and a process that felt far more complicated than it needed to be. For a small business owner, time is critical, and this experience did not reflect an efficient or customer-focused approach. There appears to be a disconnect between what is communicated initially and what is actually required to progress an application. Greater transparency and accuracy at the outset would significantly improve the experience. Based on this experience, I would consider alternative banking options that offer a more streamlined and straightforward process.

I advised a bank officer that I did not need or want an overdraft at a face-to-face meeting some months ago, and at a following face-to-face meeting more recently advised that an overseas company was attempting to deduct fees for a program that I did NOT request or order. At both meetings my directives were acknowledged. A couple of weeks after… Read more

the last meeting I noted with dismay that the bank had issued me with a overdraft, and had paid the company that I had succinctly told them not to. In doing this they had used funds that I had set aside for the only direct debit that I have arranged, which resulted in angry emails from my internet provider. I demanded and got a third face-to-face meeting in an effort to find why the bank had deliberately gone against my directives and paid out hundreds of dollars of my money. Bank gobblegook followed and the bank officer effectively told me that it was my fault! To add to the mess, I was advised that I would be charged a fee of 20% on the overdraft, then added insult to injury by deducting a further $5.60 overseas transfer fee! I'd raised my voice at this stage, but she told me 'not to raise your voice' in a much louder voice which continued to over-ride my own. I managed to get the overseas transfer replaced, but regarding the hundreds that they'd paid out, they said that 'they'd try' to get it back. I can't see that happening as it was they who paid it, not me. Then I was told that I was a very valuable customer and she attempted to give me a hug! To date, a week+ later, no sign of my money. Weasel words from a weasel bank. I've lost all trust in the NAB, a bank that I've been a customer of for 2 1/2 years - and probably not for much longer.

You couldn't find a worse interface or online experience if you tried. Absolutely hopeless algorithm interface. After more than an hour of frustrating ineptitude, I still did not get to speak to a human being...and gave up (I guess this is ultimate NAB's goal), I can only empathise with all those who have gone before me, and have eventually given up. Show details

Extremely disappointed with the banks treatment in regards to interest payable on my reward saver account. All verbal instructions were followed in regards to the requirements on this account. I am an 80 year old pensioner reliant upon this interest and would have expected higher duty of care from this institution. Show details

Attended local NAB branch twice on 1 day to open a term deposit account for a not for profit society account. After waits of 30 minutes on first visit and 20 minutes on the second visit, the customer service officer indicated it had all been… Read more

arranged after a 1 hour meeting, and I would receive an email giving instruction to transfer the monies online. Logged on but no term deposit account available to pay into. Gave up. Received a phone call today from NAB indicating they had sent the email with instructions. Read it all again and logged on. Same result. Rang back on the number I was phoned on and it hung up saying they are too busy to anwer. Rang back on a phone number on a Customer Service Officer's business card and the same result. They hung up as too busy to answer. NAB need to get their act together. Worst customer service ever!

NAB used to be great.. been with them for decades, but is now unusable, I've had numerous problems their app and other banking products, which used to be good, .. basically, you have a problem, ring them, they tell you to use the app, you can't use… Read more

the app because their tech team have made it unusable and you cant get in... then you wait and wait to talk to a real person, the real person tries to help... full marks to the individual... but they usually don't have access to do anything... you raise a complaint or 2.. no-one ever gets back to you .. I wouldn't rely on NAB products if I was travelling overseas... these are just my personal experiences. now having to move my banking because they are to unreliable. which is a pain.. pity used to be a great bank..

Frank Zhang from NAB Sunnybank Plaza truly stands out as a home lending specialist. He has a remarkable ability to make the entire home loan process feel seamless and stress-free. From the very beginning, he was there to guide us, showing incredible responsiveness and a wealth of knowledge. It’s evident that he genuinely cares about his clients, and I can't help but feel grateful for his support. He truly is a genius in his field! Show details

I left NAB years ago because of bad customer service. Last week I reuse them again and found their customer service improved a lot. Their app also has been revitalised and more user-friendly. I chatted to couple staff from their inapp messaging. Now I redirect my salary as well as my car insurance to NAB. Much better than my Community Bank and… Read more

those 2 military banks. One of them couldnt even spell my surname correctly on the Devit card. Keep up the good work NAB

We had to write this review for Hanan Tamer CA2 National Australia Bank Limited Shop 14 Fairfield Forum Shopping Centre 8-36 Station St Fairfield NSW 2163 She was very professional and friendly, Hanan helped us set up a business account in such a short time. She answered all of our questions and told us to call her if we needed anything else. We… Read more

were very impressed with the customer service at this NAB branch! We highly recommend Hanan. She deserves a pay rise for how quickly and efficiently she helped us.

Absolutely shocked. Visited the NAB Branch in Mackay today. After waiting in line for 20 minutes, I handed the teller 4 x $50 notes and asked if I could exchange them for 2 $100 notes. I was told unless I was a customer with a NAB account, she was unable to exchange my money. What an absolute JOKE! Show details

Went to deposit money at machine as they do not want you to go into branch anymore, and that is providing you can find one. Had $50 dollars in cash to deposit, on first attempt it daid I only had $350. Cancelled transaction and tried again, thgis time it daid I only had $400 dollars. Cancelled transaction action and left to head home. Made contact… Read more

with nab on Wednesday morning, and they took my complaint and said they were going to contact me within three days, have not heard from them, which is completely expected for a bank to lie to you. Been a nab customer for thirty odd years, yet recently customer service has dropped considerably and their attitude towards customers has become quiet rude. Am making fomal complaint to ACCC.

Any 5 star review of NAB Booragoon is either satirical comedy or a paid google review. Dont bother asking the branch manager, San Keerithipala, for assistance as he’s in panel of it. Show details

I applied for a NAB Qantas Rewards Signature Card and ended up cancelling the application. It was over a month of frustrating emails and phone calls requesting information I had already provided. My finances are in good stead (home owner, no mortgage) and I apply for a new credit card every few years for the purpose of accruing Qantas points. So… Read more

unprofessional and the customer service is so poor I had to double check I wasn’t being scammed. I’ve now gone to AMEX and approved within the same week. Truly shockingly bad customer service and systems.

NAB REFUSED TO RELEASE PASSBOOK MONES TO PAY FUNERAL COSTS. Background: Mother-in-law passed away. Her kids/beneficiaries had power-of-attorney and last will indicating them as executors. Please note that P-O-A no longer applies from date of death. Funeral directors had advised beneficiaries to inform the bank to release funds to funeral… Read more

director and other funeral entities because that is the only time they can release the deceased's funds prior to probate. The beneficiaries provided NAB with a death certificate and requested the bank to pay the funeral expenses from M-In-Law's NAB passbook account direct to funeral directors. NAB branch clerk tried to help by phoning NAB Bereavement Section which promptly halted all transactions and refused bereavement payments. The beneficiaries had to pay for the funeral out of their own monies. Beneficiaries later phoned Bereavement Section which advised that such payments can be made immediately to the funeral directors etc. ONCE YOU INFORM THE BANKS OF THE ACCOUNT HOLDER'S DEATH, the banks and especially NAB refuse to release the monies for funeral costs. I suggest you KEEP PHONING AND EMAILING THE BEREAVEMENT SECTION EVERY DAY until you find someone who knows what they're doing and note that person's name for future funeral payments and GET THEM TO ACTION THE PAYMENT WHILE YOU WAIT ON THE PHONE. Further, you should record everything in a diary or notebook. I stress "while you wait on the phone" otherwise they wait for 14+ days after the request is pushed down their throats. I ALSO SUGGEST YOU COMPLAIN TO THE BANKING OMBUDSMAN (AFCA - https://www.afca.org.au/make-a-complaint) and supply a list of dates, phone conversations and notes. It appears the banks are (a) not spending enough resources on training, (b) perhaps retrenching staff before the next recession and (c) desirous to keep the monies as long as possible in order to obtain free interest". It is a global problem in both private and public corporations whose only solution is for us to go back to the period prior to the 1990s when governments had a consumer interest in almost every industry, eg Banks (CBA), aviation (Qantas).

Poor rates and poor customer service. NAB provided a home loan for my unit ( - I was with them for about 3-4 years. My home loan was obtained before the interest rate hike, so I was on fixed rate for 2 years on a nice rate, no issues. Following this, going to variable, NAB would adjust my rate slightly and tell me something like "we've adjusted… Read more

your rate in line with RBA", but it never reflected the RBA reductions. It was always a smaller percentage of what they really should be passing to customers. I tried to call them several times to discuss my interest rate, but as many others in these reviews say, i was on hold for long periods each time just waiting to speak to a PERSON, i tried the call back option and they never called. I put my broker onto them, and they did actually speak to someone - my interest rate was 7.51% at a time others were getting under 6%, some under 5%. NAB provided a rate to my broker at 7.21% and said this was a competitive rate and can't do any better. This was all lies. I finally heard from NAB directly - on the day i was refinancing - wow! A NAB manager called me and asked me why i was leaving. She was very professional about what had happened, but I told her my rate over the phone (she hadnt even looked it up before the phone call), and she said "wow" - now thats coming from someone AT THE BANK! her words - she said the rate was 'not very good' and said she would come back to me by end of the day with a better rate. I never heard them again. Theyve just lost another customer here through greed. Not that im a big fish, but this was a really disappointing experience - they don't look after their customers - they don't care. I will never use or recommend NAB to anyone.

I recently applied for the NAB Qantas Rewards Signature Card and was surprised to have my application declined despite having a strong financial profile. My Equifax credit score is excellent, I have no active credit cards, and my only liability is a small car loan with around $700 remaining, which has been paid consistently on time without any… Read more

missed repayments. My annual income is also well above $150k, so meeting repayment requirements is not an issue.

Given these factors, the decision does not seem to align with NAB’s stated lending criteria, which raises concerns about how thoroughly applications are actually assessed.

The process itself was also frustrating. I was contacted multiple times by different representatives over several days and asked to provide the same documents repeatedly. This gave the impression of poor internal coordination and made the overall experience feel disorganised.

Overall, the lack of transparency around the decision and the inefficiency in handling the application make this a disappointing experience.

I’ve had a very disappointing experience with NAB overall, and I wouldn’t recommend them based on my recent interactions. In my experience, the customer service has been frustrating — long wait times, unclear communication, and at times a dismissive attitude that made resolving issues more difficult than it should be. My dealings with their fraud… Read more

and scam support team were particularly challenging. What I expected to be a straightforward process turned into a prolonged and stressful experience, with limited communication and slow resolution. I also found their interest rates to be uncompetitive compared to other options currently available. Overall, what stood out most was the amount of effort required on my side to resolve relatively simple matters. Banking should feel smooth and reliable, but this wasn’t my experience here. Based on this, I wouldn’t recommend NAB to others.

Ridiculous wait times for customer service No information in their apps for a pending payment, can't find any reason why this occurred and now have to wait for eveeeer on the phone Show details

Inflexible credit assessment. As a sole trader, I provided accounting software reports and bank statements, showing cash flow, but was told only a lodged tax return would be accepted, which isn’t even obtainable until July. No flexibility or real assessment. Really shows how little NAB values small business.

Welcome to your worst nightmare dealing with NAB Misleading and deceptive conduct, my emails are being ignored and failing to address all my issues, regarding some transactions on my account. Evident NAB including management has colluded against me to keep my money that I’m legally entitled to being a significant amount. Evident NAB has breached… Read more

regulatory rules. NAB won’t provide evidence to back up their decision My next next option is the media No idea why they refer to the banking code of practice that no one abides by

I have only been a NAB customer for a month or so .After I applied for a credit card and was successful I was happy so I could then cancel my other credit card ,then an email came about 5 to 6 weeks after getting the credit card ,to say the annual fee was increasing from $30 to $49 so now my only option is to close the NAB credit card after all the hassle of get the NAB credit card in the first place . I am not happy about the fee increase . Show details

Pathetic experience at Rouse Hill NSW Branch. They discourage TTs and encourage to do internet banking. Then the transaction gets stuck and some one from fraud calls to get an authorization. The phone bell only rings once and when you call back, wait time is 20 mins. ABSOLUTELY USELESS.