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2NAB (National Australia Bank)

NAB (National Australia Bank)

 Verified
2NAB (National Australia Bank)
1.4

2,040 reviews

Positive vs Negative
10%90%
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Transparency ?
1.5
Customer Service
1.4

 AI reviews summary 

The recent sentiment regarding NAB is overwhelmingly negative, characterized by significant frustration over declining service standards and systemic inefficiencies. While individual branch staff are occasionally praised for their professionalism, the broader consensus points to a bank that feels inaccessible, with recurring reports of frozen accounts, poor communication during the Citibank transition, and a perceived "profit over people" culture.

Pros
  • Exceptional Individual Staff: Specific employees at branches like Strathpine, Greensborough, and Fairfield are highlighted for being knowledgeable, friendly, and efficient.
  • Effective In-Person Specialists: Dedicated home lending and business specialists are praised for providing personalised, stress-free guidance on complex financial products.
  • User-Friendly App Features: A segment of users finds the modernised app interface intuitive, particularly for setting up new accounts and managing instant transfers to trading platforms.
  • Streamlined Onboarding for Some: New customers occasionally report a quick and smooth process for opening basic savings or credit card accounts.
Cons
  • Poor Citibank Migration: Numerous users report a "disastrous" transition from Citibank, citing lost transaction histories, blocked cards without notice, and the removal of previous account benefits.
  • Aggressive Fraud & Verification Blocks: Frequent complaints involve accounts being locked for small or routine transactions, followed by "draconian" identity verification requirements that often necessitate physical branch visits.
  • Inaccessible Customer Support: Significant recurring issues include phone wait times exceeding 45–60 minutes, "useless" AI chatbots, and a lack of response to in-app messages or formal complaints.
  • Inefficient Branch Operations: Users report long queues, a lack of staff to handle basic requests (like opening accounts or depositing cash), and a requirement for appointments for services previously handled on the spot.
Verdict

The feedback suggests a significant divide between NAB’s digital aspirations and its actual service delivery, with the bank frequently described as "unusable" due to technical glitches and rigid verification protocols. While individual branch interactions can be high-quality, the systemic failures in customer support and the botched Citibank integration make it difficult to recommend for users seeking a reliable or low-maintenance banking experience.

5 Michelle  · Nathan at leopold is fantastic to deal with, he is very helpful and friendly. Nathan always takes the time to explain things, I recommend him wholeheartedly
1 alex2022au  · Ivory and juliano are Liars They work at nab and they disrespectful I am taking my home loan some where else LIARS
1 reviewer  · The stereotypical bank. Billion dollar profits, understaffed and trash customer service. Avoid.
1 Luke  · Trying to redeem my points send me in a circle, I then talk with a robot that tells me the same method
1 Simmo  · NAB lost my mum's power of attorney and she has not been able to pay any bills for 6 months!
1 Sarah Warren  · NAB. Unreliable, inaccessible and misleading. Avoid and bank elsewhere. Not a good option for any form of fiscal management.
Dean
Dean44 posts
  Online

NAB, stope asking me to update sole proprietor information. It is none of your f'ing business. Stick to keeping people's money safe in their accounts and stop sticking your beak into my private affairs. If I log in again and see that message, I will close the account.

Ask the reviewer
Sam
SamNSW4 posts
  NAB

The bank has high fees, lending staff who lie about rates and the bank does not show leniency or loyalty. I will be moving my home loans and account as soon as possible Show details

Ask the reviewer
Boozlefoot
Boozlefoot18 posts
  Branches

Wanted to open an everyday type savings account, after my long standing credit union was merged with a bank of very low reputation. So popped into the local NAB branch where I have been a customer for over 30 years. Only one other customer present, 4 staff in attendance. How can we help? Open a savings account please, already have an NAB… Read more

account, here is my ID number. "Oh, we're terribly busy at the moment, if you step over here we will arrange an appointment time and try to fit you in during the coming week". Explained I lived over 40kms away, and would be rather inconvenient - and I'm already holder of a NAB id number. After approximately 10-12 minutes of consulting the "magical calendar", I requested my card back and walked across the road to another institution who processed my request immediately and presented me with my BSB and account numbers in less time than NAB could consult their tablet. (Bear in mind, 4 staff and 2 customers........sooooo very busy). CEO of NAB (name withheld due to Review policy), you really need to address the basics of the NAB, rather than sending out interminable emails to existing customers saying how you're prepared to help during hard times - but on reflection, if the branch is so terribly busy, maybe you are too.

Reviews with attachments

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Adonis Massage Melbourne
Adonis Massage MelbourneVIC26 posts
  Verified Branches

Have been a customer with NAB since 2009. And have never experienced problems . I really sympathise with those who have had negative experiences with this bank. I have never been charged any fees so far, and I have never really experienced any problems with the app. I have had no problems transferring money to any other bank. On a couple of… Read more

occasions when my card was stolen. They refunded the money that was in dispute. And they also issued a new card promptly. So I have never been shortchanged by this bank. Although I have tried to sign up for promotions. They keep knocking me back because of my credit rating. But I guess I can’t change that. Touchwood fingers crossed hopefully they will be good in the future.

The only negative experience that comes to mind is in 2022 where a client paid me using my Pay Id . And they send me a receipt. However the funds did not appear in my bank account. So I went to the NAB branch and made an inquiry. And the teller without even checking properly looked at the receipt and said oh it’s a fraud. So I called up the client and I had a word with him. It turned out that the bank is actually frozen the money. Because of the angry exchange I had with the client. He called his bank and reversed the transaction. So I was to receive the money in 10 days, but then I didn’t get it at all. This was Because the teller at the bank. Give me wrong information. This was the only negative experience I had with the bank. And I lost $250.

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Vera D.
Vera D.
  Branches

13 in a queue - 1 teller! – How can I leave a 0star review? 1. Waited 1 hour for the main number to answer 2. Waited 48 hrs for a call back from Casuruna Branch 3. Gave up and went to the branch - been closed for a couple of weeks (still no phone call!) 4. Drove into Darwin branch - 13 people in the queue for the 1 teller How not to value you clients!!

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chezology
chezology8 posts
  Verified Branches

AND NOW TO TOP IT OFF - The NAB HAS FLAGGED THE FLOAT DEPOSIT IN THE ACCOUNT AS INCOME!! Next visit to comply with their requirements, I will hand over $100 in seven transactions so the teller can give me the denomination required without raising their money laundering flag. Or perhaps three or four small deposits and withdrawals of $200 will… Read more

suit them. One must after all obey the rules.

I recently visited my NAB branch to get $700 in float change. I was told it was now bank policy — for money laundering reasons — to deposit the cash into an account, then withdraw it to get change. This will be necessary for all future float requirements.

Both tellers insisted this applies to any transaction over $100, despite the actual AML reporting threshold being $10,000.

After much discussion, I complied. My statement now shows a "Cash Deposit" followed by a "Miscellaneous Debit" — with nothing to identify it as a routine float exchange.

If this process genuinely exists to create a clear audit trail it has failed spectacularly.

Instead, it has created a confusing and potentially problematic personal account record, with no documentation linking the transaction to our micro-business. Far from preventing suspicious activity, the resulting paper trail looks far more suspicious than a simple cash exchange would have.

To me, it appears as if the NAB is involved in a money laundering practice; or perhaps trying to get their deposit figures up. Can the NAB explain the regulatory basis for this policy — and why customers receive no proper documentation when forced to use it, and more particularly that the NAB had no authority to withdraw the deposited funds.

chezology
chezology   

Really NAB - "More than money' 'We steal from dead people' and 'Make it as difficult as possible for small business"

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rohit m.
rohit m.2 posts
  Verified Online

Title: Hidden fees and poor transparency – very disappointing I used my NAB debit card during a recent trip to New Zealand, assuming the charges would be limited to the commonly stated 3.5% international transaction fee. Before travelling, I did my research online (Google, ChatGPT, etc.), and nowhere was it clearly explained that multiple… Read more

additional charges would apply per transaction. However, after returning to Adelaide, I was shocked to see numerous extra fees deducted from my account for almost every purchase I made in places like Queenstown and on the way to Christchurch.

What’s worse is that these charges were not reflected immediately or even the next day. They only appeared later, which made it impossible to track actual spending while travelling. This lack of real-time visibility is extremely misleading.

Had I known the true cost, I would have used an alternative like Wise instead. I genuinely thought NAB would be comparable, but that was clearly not the case.

Overall, very poor transparency and not suitable for international travel. I would not recommend using NAB debit cards overseas.

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Nathan
Nathan7 posts
  Online

Over 20 years with NAB and now im done with this after this experience. I sent $17000 overseas in branch to a trusted source and now the money’s disappeared after not being received in 10 days. Waiting on hold for over an hour 2 times with no assistance given and constant robot like apologies, no response from app messaging (constantly being told… Read more

over and over did you know you can use the app? When it’s no good at all). Tracking the money for some reason will take a few days and I still havnt heard anything back. It took 3 days to go through last time using commbank so now it’s time to change exclusively to them.

These banks make so much profit and when it comes to our money they don’t seem to be in such a rush to assist.

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BenChë N.
BenChë N.NSW4 posts
  NAB

Thank you NAB for this Petrol discount! Great timing! What a great help!

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Durga P
Durga P
  Verified Online

Very bad, disgusting service. The account was locked and asked to call. Was on the phone for 1 hour and 36 mins to unlock the account and finally told to visit the branch. Seriously, they told to get help from someone to spend money. Never rely on NAB money to travel around. At least have another bank, commonwealth bank to save your life. Show details

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Dimsy D.
Dimsy D.2 posts
  Verified NAB

Applying for a NAB credit card was an absolute nightmare. The process was painfully slow, poorly designed, and completely lacking transparency. I provided all the required documents, only to be left waiting for weeks with zero meaningful updates. Trying to get answers from customer service was a waste of time, none of them was able to help me, and… Read more

no one seemed to actually know what was going on with my application. For a so-called “big four” bank, this level of inefficiency and disorganisation is unacceptable. NAB clearly doesn’t value customers’ time, and this experience alone is enough to make me take my business elsewhere. They advertise 15 mins online application and you will get the result. I prepare the document and linked my Myob account so they will have access to my business cashflow. I thought I already did all the necessary docs and requirements. Days passed and there are no updates to my application. During one of my lunch break I went to Adelaide branch for an update but they don't know what happenned to my application. They suggested to arrange a meeting with banker on another time. I agreed to this and they said meeting will take about 30 mins.The meeting was set up on 27-Nov 2025 at Norwood Branch. I agreed and meet the Banker and the meeting took more than an hour. I prepare all the docs they needed and did the onboarding process that took forever. Unfortunately we forgot my wife's passport and told them we have soft copy. They insisted that they need the actual copy so we end up going to the branch again the next day.The next update we got is email on 4-Dec 2025 saying onboarding process is finalise and the credit card application in progress. I waited and I did not have anymore update.I went on my holiday break overseas and I was only able to follow up on 27-Jan 2026. They said the application is already close because they did not hear from me. They said they called but I did not answer. Unfortunately I was still overseas that time. I did not even received an email to inform that they called. Anyway they told they will resume my application because they already have my details. The support said someone will call me in 2 days or maybe before the end of the day. I waited 2 days and that never happened. I have to follow up again in person in Adelaide branch but they can't see any update or don't know what is going on.They said they will reach out to lending officer and they assured me that they will give an update at the end of day no matter what happens. And you know what? I did not received any update. The next day out of frustration I applied thru ANZ bank online and did the same application. I gave the same details and give permission to access my MYOB account and I got conditionally approved straight away.

In the afternoon the next day, I got called by the NAB lending officer he asked about my application and you know what??? They are asking again for my details and they said they just want to confirm all the details that they already asked. We just end up cancelling the application altogether because it is a waste of time. This is the worst application I have ever experienced.

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steadyeddie
steadyeddie63 posts
  Online

I have been trying to access my account NAB online all day and it has been down all that time. If the Bank closes its physical branches offering online banking as a replacement, I think it should make certain that online banking can be accessed. I think a Bank should receive a substantial fine if it does not provide reliable banking services as advertised.

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Latest follow-ups

Rob P
Rob P
  Branches

3 years of NAB Orange ("None Any Better"!) – After many years of banking with three other banks, I noted that a very shrewd and moneywise friend had been an NAB Bathurst branch customer for over 40 years. When I came to Orange to live, it seemed (and indeed has been) a good move to try NAB… Read more

service. The Orange branch staff members all have helped me with great kindness and efficiency for which I am most grateful. At 84 years of age and with deafness, I occasionally (well, to be quite truthful, rather often) become confused. These fine people at NAB have been very patient, and helped me to sort out many problems in the nicest possible way, and I thank them most sincerely.

 Follow-up  · NAB Orange branch staff members continue to provide the best service I've ever received from any bank; I am deeply grateful to all of them for their help, kindness and patience.

Mary Anne
Mary Anne2 posts
  Branches

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

 Follow-up  · NAB made a typical big business monetary offer to settle this dispute, amount was a absolute joke. All matters are now in the hands of AFCA for a mediation. Waiting upon decision.

Mary Anne
Mary Anne   

Typical arrogance of banks today, will not answer me here, yet make a pathetic offer to close query through another portal

Neil H.
Neil H.SA5 posts
  Branches

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!

 Follow-up  · Following my previous experience with NAB I met with Dianne Bird, Manager at the Unley Branch. My experience was much improved. Dianne identified mistakes made previously by CSO's and rectified the situation so that the online process for managing the transaction account and a number of term deposits worked as it should. I was very grateful for her timely intervention.

Positive reviews

Jack
Jack12 posts
  Branches

Again it's always good to mention a product that delivers with clarity a positive friendly service. I am writing about the Nab in Warragul. In these days of pressure and limited human response it is so very gratifying to find an institution with genuine people first thinking.

Georgina
GeorginaQLD2 posts
  Branches

Nab Bank Strathpine, Qld.... Brillant service ...lovely girls. Nice personalities. Just love going there. Thanks a million girls especially the lovely with the red shoes. Show details

George. S
George. SNSW
  Branches

Cris Beldea the loans specialist I saw at the Bondi Junction branch is a real gentleman and he really treated me as valued customer and was very helpful in walking me through all my options when I wanted to borrow some additional funds. Show details

Negative reviews

James
JamesVIC40 posts
  Online

I do all my banking online. I have no real issues with the NAB’s online transactions. Not brilliant, but they work OK for me. My problem is that I don’t feel like a valued customer anymore. Or even a recognised one. Online banking is part of that but the more subtle reason is this… All of their marketing images for the last few years have… Read more

featured everything but a white Causasian adult male. Not one, and I have been watching for one for quite a while.

Only the bank’s board members and CEO fit that demographic, but none of the depicted customers. The other financial institutions seem more balanced in their advertising.

Abbey
AbbeyVIC
  Online

If I could give zero stars, I would. After nearly 3 months of attempting to reach someone who could help, and 6 case numbers for the same issue, I have given up. Promised phone calls never came, and I received generic, copy and paste emails that didn’t address my concern. After 40 years as a customer of the big 4, NAB is the worst service… Read more

experience I’ve encountered!, Unprofessional, poorly trained staff repeatedly transferred my issue between different case numbers with no resolution. Do yourself a favour and stay away from NAB, waste of time and waste of money

Dave P
Dave PNSW
  Online

Was having trouble with their two step verification. Girl I spoke to said the problem was with the four different websites I’d tried to make purchases from, including Coles for my groceries. Turned out it was indeed a problem with a NAB, no surprise - what are the odds it was four different websites all having the same issue? Slim to none. Was a… Read more

problem she didn’t want to take on and made life extremely difficult for me. I would not recommended this bank to anybody on earth - lazy, arrogant and quite happy to take up a couple of days of your time instead kindling *their* job and fixing a very simple issue. I complained and they told me to take it up with AFCA. Rude, lazy and the worst service I’ve ever received.

AVOID NAB. THEY ARE A DISGRACE OF A BANK.

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Recent reviews

Lester K.
Lester K.4 posts
  Branches

Being elderly I expected more as I opened an account allegedly online they say but visited the branch same afternoon to sort out my accounts at which time I believe they should have checked I had met the account criteria. Evidently I didn’t direct debit a $1 deposit and I lost over $1100 in interest. Typical bank scenario they choose more profit over customer care. Changing banks for as much time it takes to recoup the interest I lost. Show details

Roman
RomanVIC2 posts
  NAB

I have been an owner occupier since 2009. I had a business banker who was aware of my circumstances at that time. I was involved in a family business through which I bought the property in a trust arrangement. I trusted the bank manager I had and expected that she would do the right thing by me and advise of any discrepancies. After being involved… Read more

in a motor vehicle accident in 2017, and being injured to the point that I have been granted a serious injury certificate, meaning I have a certified 40% reduction in capacity, the bank put me on hardship arrangements. Then COVID hit. I applied to the bank for interest hold/relief and they informed me that because I had existing hardship arrangements that they couldn’t offer any relief. After speaking to one of the conscientious staff I was advised that my interest had been calculated at the wrong rate. She helped to put in a complaint and it was rejected because the bank doesn’t possess the capacity to recalculate the interest from that date. I offered to draft my own spreadsheet, at the expense of my time and expertise, to resolve the situation. Of course that was rejected. Now I have been given the excuse, that because they weren’t formally that I was occupying the property that there is no reason to grant refund. They did however change the rate of interest after notification. Be warned. Bank managers are no longer trusted people. They pretend to be helpful but will escape through every known loophole to earn the faceless men money. You can’t talk to the faceless men/women. They just send sheep in wolves clothing. I hope you can learn from my lack of experience and be better informed from my review. God bless all!

John S.
John S.7 posts
  Online

Thry make transfer and other general uses difficult coz I am jobless and don't use them for main banking. Simply I am not a cash cow for them. Worst ever, moving on to other banks. Bye Nab!! Show details

KL Ong
KL OngVIC5 posts
  Online

I had a NAB credit card and during an audit last year they found that they have shortchanged me on my points. It was promised that the point would be credited. Today is 18 May. After countless back and forth by email to the mediation team, the points didn’t not appear in my frequent flyer account. Despite them promising so after six months. Tried… Read more

messaging and was promised someone would call to resolved. Again nothing. No apology nothing done about a customer who by now would be clearly unhappy. This says everything. I wanted to cancel the credit card and was told that I won’t get the remaining fees back as it was a condition for me signing up. This was said to me event when they are aware that they have failed to fulfill their part of the deal in terms of their points. It just shows how bad the culture of the.bank has to be.

Fairy
Fairy2 posts
  NAB

If I could do a negative star rating I would. This bank do not care about their customers and they do not help when you get stuck at all. I’ve been with them almost 10 years and I am going in to close all my accounts, as is my family. This bank is the most careless, useless and uncaring bank I have ever been with. Do not recommend using them!!!!

SafaaAl
SafaaAl6 posts
  Branches

I went to NAB’s John st. branch in Salisbury SA the other day. I wanted to open account in person. I found it hard to find a parking spot. When I got there I asked the accountant that I wanted to to open a new account. He said “Ah, sorry, both accountants who are responsible for this are away”. I was very confused and upset. I left with an impression that I did the wrong thing. I eventually opened an account with a different bank. Show details

Serena J
Serena JQLD5 posts
  Online

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.

Dave
DaveVIC185 posts
  Branches

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.

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