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2NAB (National Australia Bank) Online

NAB (National Australia Bank) Online

 Verified
2NAB (National Australia Bank) Online
1.3

664 reviews

Positive vs Negative
5%95%
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Transparency ?
1.4
Customer Service
1.4
1  Daniel. E  · Credit card application nightmare with crappy offshore staff who’s English is hard to understand. They keep bullshitting me. What a crap bank
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  Jaber R.  · The service was very bad; I mean the team specializing in the direct payment machine[eftpos machine]. They complicate things and are completely unprofessional.
1  sradeal  · Absolute rubbish service. Advised a disputed charge to my credit card via the website. Couldn't care less. Closed the case without any investigation.
1  Raine G.  · To put it very simply all NAB ever did was totally ruin my banking experience and access to my money.
david
david 45 posts
   Online

they blocked my password with no reasons, you cannot get staff speaking good english, you got some ai completely useless, when waiting 3 hrs you got some english speaking person they will tell you we send you a code on email, they dont, we will send you a txt on your mobile they dont , they are taking customers for dirt . may be they can do… Read more

business with polar bear in artic. i did lodged a complaint to the ombudsman and will can cel my card with these useless lot

V.Ru
V.Ru VIC 11 posts
   Online

I am very happy so far about all my recent NAB interactions with customer service and onboarding assistance with NAB. The wait time has been minimal before a really helpful and friendly person is there to assist. Unlike ANZ where the wait time has been a whole hour only to be transferred to wait another hour etc. The NAB people are friendly- they… Read more

speak to me like I am a human being- sounds weirdly obvious, but its true. Most of their customer service people are probably subcontracted and work for themselves but nevertheless, they meet the criteria as really lovely, kind and helpful. This is hugely important when dealing with new products, new changes in one's work life Well done so far!

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Jem S.
Jem S. QLD 8 posts
   Online

Been on the phone 3 different times over a missing credit. Told them I was in financial hardship. No help. Because of how I was treated, complained to AFCA. All over $33.40 total. Show details

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Reviews with attachments

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Michael
Michael VIC 8 posts
   Verified  Online

Nab New Look for your Credit Card. The latest updates to National Australia Bank's internet banking have made managing credit card repayments significantly more frustrating. What used to be a straightforward process now takes three steps just to reach your repayment details. Once you finally arrive at the repayment details page, critical… Read more

information is missing. There is no clear due date displayed for when your payment must be made to avoid penalty interest. To find this essential date, you are forced to take another three steps to download or open a full statement.

It creates a cumbersome experience that feels designed to make timely payments unnecessarily difficult. Hiding due dates behind extra navigation steps and PDF statements is an extremely poor user experience from the National Australia Bank that risks catching consumers out.

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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
Nathan 7 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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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

Latest follow-ups

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LEUNG
LEUNG 9 posts
   Verified  Online

In spite of repeated requests and demands, NAB still refuses to unblock my internet banking. tswmpg@proton.me To: feedback@nab.com.au Dear Sir/Madam Today (4 August 2026) I met your Sunnybank Hills branch manager [Name Removed] in his office. I… Read more

queried about why my transfer of money from my account to my account of another bank could not proceed and that my internet banking was suspended.

[Name Removed] arranged for me to talk to your staff on the phone. She said what had been done was to prevent me from falling into scams.

I asked how could a transfer to my account of another bank be a scam. She did not answer my question. She asked [Name Removed] to give me pages to read. Those pages were irrelevant to my case.

I also asked [Name Removed] about the Hong Kong TIN number problem. [Name Removed] initially said he could not see any query had been made. I showed him the emails, one of them accused me giving your bank the wrong TIN number alleging that the TIN number should be identical with my Hong Kong identity card number. I had replied to that email, asking how could they know my Hong Kong identity card number. I also attached in that reply email a document of the Hong Kong Inland Revenue Department for your staff to get confirmation from Hong Kong Inland Revenue Department. [Name Removed] insisted me to show him my Hong Kong identity card, otherwise he would suspend all my accounts. I showed him the card and he copied the number in his computer.

Under Australian law I have the duty to give you my Hong Kong TIN number which I had done that many many times upon your requests. I have no duty to give you my Hong Kong identity card number. Your bank made an unreasonable demand (asked me to show you my Hong Kong identity card) with menaces (to suspend my accounts if I did not comply).

I reserve my rights regarding your wrongful allegation that I gave to your bank the wrong Hong Kong TIN number and any misuse, if any, of my Hong Kong identity card number.

My last request made to [Name Removed] was to let me use the internet banking. He said I had to come to his shop again after 24 hours to answer some questions before my internet banking could be used. It was an abuse of your power.

Since I could not used my internet banking straight away, I asked your bank to transfer money from some of my accounts with your bank to my account of another bank. Your bank charged me $35 for that transfer. Other banks, e.g. Suncorp, did not charge for that service and other banks, if they charge, the amount would just be $5.

On short, I am extremely not satisfied with your bank's service. Regards Wai Kuen LEUNG

 Follow-up  · I got the following reply from NAB: "Dear Wai Kuen, Thank you for your email. I understand you remain dissatisfied and believe your concerns raised on 4 August 2026 have not been fully addressed. The complaint outcome provided was limited to reviewing your CRS information and the message you received requesting tax details. Our review… Read more

BBC
BBC NSW 5 posts
   Online

No Stars, pathetic money grabbing scumbags, most vile filthy I have ever come across. Do NOT bank here, they are thieves and liars! Pay my rent on card same place every time and bank blocked card as fraudulent! They are the fraud got SMS was this… Read more

you? I wrote Y back card still blocked. Went into town in a cab ran into a shop pick up smokes like every other week and card blocked. Rang scum NAB to open card 40 minutes later screaming at the humanoid and complaining about the cab out front waiting and I said to that germ, you broke into my account blocked me and now dictate how I spend my money and the worth of that spend! Cannot say as I did on phone. But let's say it shifted to fighting words! Told that germ maggot I'll have a look see find out where call centre/centres are and we could talk about it face to face if he would like. I would like that very much. I address this"bank" as the BEAST and it's cashless society number is 666.

P's there online accounts and statements do not match factual time/dates and are incomplete period. And may God help you if you need printed STATEMENTS as you will NEVER get what you require even if a statement is a legal document and required for taxation etc, shows who is really running this country! Government borrow from bank not the other way around.

 Follow-up  · I terminated all banking with nab

Peter
Peter WA 16 posts
   Online

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..

 Follow-up  · no change, 2 weeks later someone rang about the complaint's, the individual was a nice person, but I got the feeling the customer support officer was just ticking boxes on his work sheet (my issues would have been very bad if were traveling overseas)... I'm moving to another Australian bank ... hopefully they may have staff that will answer your call and assist you when problems occur..

Positive reviews

PEE WEE
PEE WEE 6 posts
   Online

I have to congratulate NAB for safe guarding my interests.. i was doing a bank transfer. And my app and online banking was frozen. Security staff contacted me to check that i was not being scammed. after i contacted them. Although it took a long time to fix. I really did not mind because NAB was looking after my money. THANKS to all NAB staff.

 Follow-up  · The transfer was not urgent and the account was only frozen for 3 hours.

Vicki
Vicki WA 21 posts
   Online

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

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Ccc
Ccc Western Australia 46 posts
   Online

Had wallet stolen on a Saturday thy were absolutely excellent got through to someone really fast and they were kind caring and fantastic Show details

Negative reviews

seawash
seawash NSW 3 posts
   Online

Did an overseas transfer, they asked me to confirm verbally with sender account details. Gave me a number to call back once done, said I wouldnt have to wait. Rubbish, wait time was 35-40m. They blocked access to the mobile app so i couldnt call that way despite them keeping on reminding that was the best way to contact them. Not the first time had very frustrating interaction with this bank.

SeanW
SeanW
   Online

Unsecure online banking. Online banking was accessed without authorisation. They provided no information about how it occurred or compensation for lost funds. The only way to get restitution is to make a complaint with AFCA. This usually works at getting your funds back, but they will tell you nothing about this pathway because they want it to be as difficult as possible so they do not have to compensate you.

Claudia
Claudia 6 posts
   Online

Applied for a credit card in June. Followed up about 20 times (on hold for 30+ minutes usually), with no news. Today was told my application expired and I need to start again. No thanks!! Will go to another bank. Show details

Recent reviews

Geoff
Geoff QLD 7 posts
   Online

NAB outsources internet banking enquiries ? Blocked my mother’s internet banking for no reason. Then suggested my mother was dead ! My mother is alive. POA on file is outdated. New POA provided one month ago. The worst and most confusing dealings with NAB. Absolutely terrible and beyond belief. Show details

Raj
Raj 11 posts
   Online

Very disappointing customer service On 13 July, I lodged two disputes over the phone with the bank. Despite this, I have still not received any response or update regarding either dispute. As I have received no communication or resolution, I have now had to lodge the same disputes again through the banking app. This has been one of the worst… Read more

customer service experiences I have had with any bank in Australia. The lack of communication and follow-up is extremely disappointing and has seriously damaged my trust in the bank.

I am now seriously considering closing all of my accounts with them and moving to another bank that values its customers and provides timely support. The new dispute reference numbers are:

● PDR-1897039 ● PDR-1897041

Andrew T.
Andrew T. 8 posts
   Online

NAB is no longer competitive, lacks professional support staff and just cannot compete with other banks. Not only am I being charged exorbitant home loan rates, excessive annual fees and continuously am being charged international fees goes to show how they have lost a lot of their edge. I am looking to change my home loan and advise you seek… Read more

other banks if you want better support as the online platform did not provide proper support channels with their "virtual assistant".

Luke
Luke VIC 4 posts
   Online

Need to book a flight while over the seas with my points and the store was shut down for 2 days. No online tech support or a way of calling form the Phillipines.

Zenzae
Zenzae VIC
   Online

Dealing with my dad’s estate has been one of the most absurd bureaucratic experiences I’ve ever had. What makes it so ridiculous is the inconsistency. The bank was perfectly happy to accept documentation that allowed me to arrange my own father’s cremation. Let that sink in for a second. They accepted the documents necessary for his funeral… Read more

arrangements and cremation without requiring me to physically come into a branch and prove my identity.

They accepted the death certificate. They accepted documentation establishing that I was his next of kin. They accepted the paperwork relating to his funeral. They accepted everything required to deal with the estate.

Apparently, I was trustworthy enough to provide documentation that resulted in my father being cremated.

But when it came to releasing the small amount of money remaining in his account, suddenly:

“Hang on… we need you to come into a branch and prove you’re actually you.”

So, just to clarify: you were comfortable accepting documents that allowed me to arrange the cremation of a deceased person, but you weren’t comfortable releasing his remaining funds without another identity check?

I completely understand security requirements. Of course, banks need to protect customers’ money. But surely identity verification should happen before accepting and acting upon estate documentation, not after the bank has already accepted everything and the funeral has been arranged.

The whole thing gives the impression that the moment the bank has to actually release money, the security requirements suddenly become significantly more complicated.

It honestly feels like the bank is saying:

“Your father is definitely deceased. You’re definitely dealing with his estate. We accept all your documentation. You can arrange his cremation. Everything checks out.

…but that $X? Absolutely not. We need to know who you are.”

The irony would be funny if it weren’t happening while dealing with the death of a parent.

I don’t object to reasonable security checks. I object to being told everything has been accepted, only to discover at the very end that there was another major requirement that could have been communicated from the beginning.

Apparently, cremating your father is easier to get approval for than getting the last bit of his money out of the bank.

You couldn’t write this shit.

Find out how NAB (National Australia Bank) Online compares to other Banks

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Gerty
Gerty 3 posts
   Online

So I receive an email today that they have disabled my internet banking. After waiting 1 hr 28 min on the phone, then discussing and waiting a further 15 mins I was told they can't provide a reason why this happened and that I had to go into a bank to get it sorted. I asked to speak to a manager, who refused to speak with me. Wow, how's that for… Read more

customer service. Wth .. its an online stuff up by them, not me, so you fix it. I do not have time to go into a branch, wherever that might be. So now I have just decided to close my 4 accounts, with lots of savings $$$ and go to another bank.

Naomi
Naomi 2 posts
   Online

If we could rate them a negative amount of stars, we would. Not only have they failed horribly to assist with a matter that would have been ever so simply, they have managed to drag it out taking weeks and are ignoring emails, questions and phone calls. The phone call we did receive was to tell us we emailed 'too much'. How absolutely appalling?… Read more

Formal complaints have been made with AFCA and I would recommend everyone to go through a different bank. Shocking how this is possible to happen..

Dean
Dean 49 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.

James
James VIC 47 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
Abbey VIC
   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 P NSW
   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.

John S.
John S. 8 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 Ong VIC 5 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.

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