NAB (National Australia Bank) Online

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.

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.

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..

CUSTOMER DUE DILIGENCE. I received an email on 30/10/25 from NAB asking me to verify my details, including "supporting information relating to funds and wealth". I was only given 4 business days to complete this which was rude enough. The next day I… Read more

visited my local branch with everything in hand. I could tell straight away the NAB employee had no idea what to do so she rang NAB and I was put on the phone. I was told "most people" just call NAB to do this. I said how can I show supporting documents over the phone? Seems they weren't interested to see them even though it was specified in their email. After a few identity KYC questions, it turned into a "what is the purpose of you using our bank?" interrogation and I realised I had been played all along. I said I'm not answering that question as it wasn't stated in their email and wasn't legally required. Then it proceeded to "why am I taking cash out of the bank on a regular basis?". That's when I knew what was going on. I said I prefer to pay for things in cash and that is my right. I could tell she was unhappy. Later that day, I proceeded to open a new bank account (not the big 4 banks) and move my investments out of NAB. Playing games with me, just because NAB doesn't like me withdrawing my income at ATM is reason enough to ditch any bank. Remember: It's MY money! ADVICE: Ditch ANZ, NAB, CBA, Westpac & Bendigo banks. They are too big for their boots. NAB REF: 54889922

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

I joined NAB after seeing a good credit card deal with Velocity points. The whole process was quick and smooth, I love the app and how easy it is to use. When I visited the local branch, I got service immediately and it was great. After a few months I decided to change my whole banking to NAB and I've been very happy. All I could hope is slightly higher interest rate for savings account, but otherwise it has been perfect! Show details

Working with David Chan (Premier Specialist) from NAB, Premier Direct Service has been an exceptional experience. From the very beginning, David went above and beyond to understand my investment goals and financial needs. His insights and suggestions were not only extremely well-informed but also tailored specifically to my situation, making the… Read more

entire process smooth and reassuring.

What truly sets David apart is that he didn’t just help with a single request. I reached out to him for multiple long-pending tasks, and he patiently guided me through each one, helping me sort out work that had been pending for a long time. On top of that, he assisted me in setting up a new iSavers account, ensuring I felt confident and informed every step of the way.

His professionalism, attention to detail, and genuine care are truly rare to find. David consistently demonstrated patience, dedication, and a proactive approach, making me feel genuinely valued as a client. It’s very hard to come across someone who combines deep expertise with authentic compassion and personal attention.

I am incredibly grateful for his support and would wholeheartedly recommend him to anyone seeking exceptional financial guidance and service. I would also like to thank NAB for having such a wonderful person on their team.

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.

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

Another Australian bank that does care to spend its billions in profits upgrading from 1990s tech. This bank still sends SMSs! for OTPs (one time pins) - which is fine if you are in Australia. But they also send it to overseas customers and surprise, surprise IT DOES NOT WORK because telecommunications systems worldwide are not compatible, so the… Read more

SMSs never arrive. Absolutely pathetic really, in 2026!! Btw, if you try calling in, expect to hang on for 40 minutes plus. I did, twice, from OVERSEAS, no answer, had to give up. Their "solution" to problems is for everyone to call them, which means they corrall everyone in the world to this one fix-it. There's not enough people in the world to handle all the calls at once.

No Security, No Care, No Service and No Responsibility On more than one occasion I have had companies draw monies from my accounts without authorisation. NAB does nothing to address complaints or recover money taken without authority. Turns out once you give you card details over the phone that company can continue to take funds from your… Read more

account at will, they can set-up a regular direct debit, Without you ever authorising them to do so. NAB files away complaints and takes no action. Pathetic excuse for a bank. Just a money making machine.

NAB has officially set the benchmark for how NOT to run a bank. Trying to open a joint account has been an absolute disaster — over a week of pointless delays, clueless staff, and communication so bad I genuinely wondered if anyone in the building is actually employed. Opening a joint account shouldn’t feel like applying for a mortgage, a… Read more

passport, and a security clearance all at once. This whole process has been a pathetic joke.

If you’re considering NAB, do yourself a favour: don’t. Unless you enjoy frustration, wasted time, and watching basic banking tasks turn into a slow-motion train wreck. If

Nab credit cards have doubled their annual fee on their low rate card - no additional benefit unless you dont have home insurance with mobile insurance. Appalling Money Grab NAB i will be paying my CC out this month and going elsewhere.

I had to deal with incompetent Nab Trade consultants not willing to give proper answers. They all talk about discretion of the trade, but they are not able to explain what the discretion is. When you submit an order for shares in the ASX your order can be approved or denied without parameters but only on the discretion of the consultant. What a… Read more

rort, no rules? no parameters to follow? just on a discretion of a person? Something needs to be done here; this cannot continue as is. I think is time that the APRA and the AFCA start looking into this rort.

0 stars my wife and i have tried daily for over a week to register with online banking. Basic process not rocket science! Never receive a code via text message to progress. Rang the technical number hour long wait times and they dont know what the issue is. I have andriod wife has apple. Absolute joke! So glad i havent transfered any money.... Show details

Appalling, unhelpful, couldn’t care less service! Completely frustrating trying to resolve any issures. Please use some common sense NAB and work on repairing how you run things and agitate customers less! I truly do hope all calls are monitored and reviewed!

the fraud team in melbourne are a disgusting power tripping team who treat customers like they're criminals. an international transaction for my business account triggered their team and we provided all legal documents to the team as requested. but they continued to question me 4 TIMES with 5 DIFFERENT PEOPLE for over the course of 4 days and… Read more

20-30min each. These minimum wage guys earn 25/hr, so apparently it blows their minds that someone with 25 yrs of qualification would charge $$$/an hour for consultation. In the eyes of the AU government it's no problem, ATO it's no problem, all relevant international and national organisations no problem, oh but it's a problem for minimum wage 'greg' and 'jane' from nab's fraud department? Plus the way these guys speak over the phone is so disgustingly off putting. They're incredibly inappropriate telling me their personal opinions and putting me down and making little snide remarks and condescending noises. Like, brother, just do your job and review my documents. If it's ok then move forward, if not then give me my money back and i'll take my business elsewhere and you do whatever internal stuff you gotta do, but don't make inappropriate comment and remarks that has nothing to do with this issue and DELAY this for 4-5 days. After this is sorted I'm moving all my business accounts, plus my family's to CBA. 20 years with NAB and I'll be urging all my business partners and circles to do the same.

I couldn’t leave a -1,000000 stars, so NAB just gets 1 star. Worst bank in WA, Australia, the world and the universe. I think their main business is to just make it more difficult and complex to actually manage my money. I have Power of Attorney over my ex-husband’s accounts but NAB have decided my legal POA took 20 business days for them to… Read more

approve. This is even though I have been accessing my ex’s accounts since we divorced (with his full consent). He can’t even use the remote or turn on a computer. NAB is just ‘mind numbing’ with their arrogance and convoluted processes. Give them a huge miss!

Wow, and I thought we were the only ones to send in a complaint form to nab. We are part of the CITI buyout by nab. Went to a lot of trouble with details in my official "on line" complaint to which I received no answer; not even an acknowledgement of receipt. Now I realize why when I see all these other complaints worse than ours. Gee, its surely time to look for another bank. Sorry to hear about everyone else's complaints.

NAB bought Citibank and what a mess. First took over debit account, completely changing account number causing lot of work for customers to set up every direct debit again. They later took away every good feature of the previous account and started to charge st^pid exchange rates. So I closed the account Now they have taken over the credit… Read more

card and they went live with no notifications to customers of statement due, completely removed travel insurance and with no ability going forward to get an Email when statement is there. The first debit debit completely failed and sure there is more mess to come DO NOT USE NAB