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Qudos Bank

Qudos Bank

 Verified🏆 2026qudosbank.com.au
Qudos Bank
4.8

1,808 reviews

Positive vs Negative
94%6%
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Transparency ?
4.7
Customer Service
4.8

 AI reviews summary 

Sentiment is overwhelmingly positive, characterized by high levels of loyalty from long-term members and frequent praise for person-to-person phone support. Customers value the patience and professionalism of specific staff members when resolving technical or transactional issues. However, a segment of users report significant friction regarding rigid security protocols, account freezes, and difficulties with complex administrative processes like deceased estates or address updates.

Pros
Exceptional Phone Support: Staff members (notably Henri, Barnard, and Deepak) are frequently commended for being patient, respectful, and clear when guiding users through digital banking and complex transactions.
Efficient Problem Resolution: Most technical issues, password resets, and limit increases are handled promptly and professionally during the initial phone call.
High Customer Loyalty: Many reviewers have maintained accounts for 30 to 50 years, citing consistent reliability and the benefit of speaking to "real people" rather than automated systems.
Competitive Features: Users highlight positive aspects such as zero account fees, free ATM access across major banks, and competitive interest rates on term deposits.
Cons
Rigid Security & Account Freezes: Multiple users reported frustration over accounts being frozen or transactions blocked due to "Source of Wealth" requests or internal fraud triggers that staff could not always explain clearly.
Onboarding & Admin Friction: Recurring complaints involve failed online application forms, unreturned emails, and an inability to correctly record complex residential addresses.
Inconsistent Wait Times: While some report quick connections, others experience long hold times or difficulty reaching specific departments, such as Deceased Estates or New Accounts.
Intrusive Protocols: A few customers found the bank's questioning regarding the purpose of private transfers to be overreaching and "hostile" during compliance checks.
Verdict

Qudos Bank is an excellent choice for customers who prioritise high-quality, human-centric phone support and long-term stability. While it excels at personalised service for everyday banking, prospective members should be prepared for potentially rigid security and compliance hurdles that can lead to temporary account restrictions.

kated
katedQLD
 Pinned Online

Fantastic service - can highly recommend – Linda the legend we call her in our house, who managed to secure us pre-approval for a home loan in an incredibly tight timeframe before we were going to auction. We honestly didn't think it would happen, but she was awesome and managed to get it done. We felt really supported throughout the whole process and are so grateful for her help. We now… Read more ·  1

have rate locked in for 3 months which we are really happy with, relieving a lot of stress and pressure in these current times. Thank you Linda B and the team at Qudos.

5 Stephanie  · Called and spoke with Sophie. Received excellent service. Helped me with my enquire. Would recommend Qudos Bank. Have banked with them for many years.
5 MsRoma17  · Fatima went over and beyond to help with my issue. I am so appreciative of her kind assistance and resolved my concern. Thank you and keep up the good work!
5 Debra  · Patient, helpful & very respectful I was a little unwell so I really appreciated the kindness Excellent professional service
5 David  · Henri was very polite and understanding of my problem and was easily fixed
5 Chris  · Henri was really hepful this afternoon, leading me through the procedures. I was very grateful for his assistance
5 john l  · Henri was a great help in solving my problem even to the point of a call when all was done
Sharon
SharonNSW
  Qudos Bank

I am very impressed with the service of the Qudos Bank representatives that I have recently spoken to regarding a large transfer of money for the purchase of a new car. They have all been very professional, friendly and highly efficient. I am a long term member of this bank & have found consistent helpful service.

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Bruce
BruceQLD6 posts
  Online

Had a transfer to someone’s bank account rejected, the Qudos Scam Alert triggered this. Called Qudos and got through to the Scam Alert group and after verification was able to complete the transaction. I am grateful that Qudos system triggered as it shows that their system works and that Qudos constantly monitors bank to bank transfers. The staff… Read more

i spoke with were most helpful even if it took some time to work through the processes for me to complete my bank transfer.

wayneeeee
wayneeeee
  Qudos Bank

Wonderful and extremely helpful customer service operator (Maisha) today. She was so helpful setting up what I was after and doing the job for me while I spoke to her. She suggested what would help make things easier for me and did a wonderful job doing so. Qudos has a terrific employee here.... Show details

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Reviews with attachments

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Sophia
Sophia2 posts
  Verified Qudos Bank

Outstanding, personalised service – Aneta took my call for assistance, when I had trouble activating online banking and my experience with her could not have been more positive. Aneta was personable and helpful, and she stepped me through the process in real time so that I felt supported until my issue was completely resolved. She was able to answer every question and there was no… Read more ·  1

sign of scripted talk in our discussion. I've only just refinanced with Qudos and this was my first direct experience with the bank. So far, I'm delighted I made the change to Qudos.

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Ian S.
Ian S.NSW
  Branches

Great Customer Experience – I rarely attend the branch...however today I had cause to drop into the Mascot branch at the Qantas Campus. I had a few cheques to deposit and it was coincidentally my last day as a Qantas Employee (as aircrew) after nearly 39 years. I saw the sign depicted in the attached photo and thought ...how appropriate ! The lending specialist, Bobby Ready,… Read more ·  1

saw me trying to take a selfie...and offered his help. Bobby's care, consideration and well wishes were just the trick for that moment.....its no wonder Qudos has such a great reputation with the likes of Bobby looking out for us ! Thankyou !

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Graham
GrahamQLD
  Qudos Bank

How incompetent can you be? – Welcome to Qudos bank- the Award winning bank!! Let me add another award - for Incompetence ! I recently asked by Secure mail for my upcoming renewal of my Visa debit card to be in the 'coloured' version (v the navy version I hold). I received a Secure email to say a new card was being issued which I would receive in 5-7days. As the number quoted… Read more

was different to my present card, I made contact to query this. I was assured that the 'coloured' card generated a new card number. So off I go to bank to withdraw some cash from ATM with my present card. Guess what - card 'gobbled up' as it was 'stolen' or 'cancelled', and NO cash for me. Phone calls - you can never get a Manager, only a Supervisor (who purports to be a Manager, until pushed on status) who then identified all the errors!

1. My initial email was not read properly, resulting in the staff member immediately canx my card without any notification to me. 2. The new card ordered will NOT be a 'coloured' card, as they are not available!! 3. I am left with No cash available, No card, and when I receive the new card - it will be the SAME as the old card !!!

I refer to Qudos bank as Westpac2 as the level of service is no different to all the other large banks, that we know only treat customers as a source of profit.

Qudos Bank
Qudos Bank    

Hi Graham, Thank you for sharing your experience with… Read more

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giltron007
giltron0072 posts
  Branches

Qudos goes out of its way in a bad way – When running a business they have stopped bank feeds as people use this to help reconcile their accounts for tax reasons. I also went to buy a car last year with my own money I had done all the checks as I have done it a number of times over the years. They blocked the transaction even if I had all the evidence to support what I was doing. Qudos… Read more

you better learn that you do not run a person's life and if you put checks in place to support people from being scammed it does not mean you have the right to cause problems to a person's financial loss.

Qudos Bank
Qudos Bank    

Hi there, Thank you for sharing your feedback. As part… Read more

Latest follow-ups

Jan
Jan2 posts
  Online

Thank you Deepak for your assistance yesterday when I called I was stressed out not finding my Qudos Debit Card I look forward to receiving my new Debit Card in a week Show reply

 Follow-up  · I was concerned about my original card that was missing and thank goodness it was not used I was so pleased to get a new card asap and am very happy with the service I received The card was delivered to my post office box which was safe

Rema K.
Rema K.NSW
  Online

We are both existing members and we wanted to create a joint account. Jessica assured us it can be done just over the phone call as Bank has out customer Ids. She verified both our details and created a joint account. It took only a few minutes. Really great customer service. Thanks to Jessica Show details ·  1

 Follow-up  · Everything is working perfectly. Joint account offers simplification in managing funds

In-depth reviews

Kerry
Kerry3 posts
  Online

I have been an account holder for over 30 years and I have had enough. Firstly I made a two payments to the same person, this was so I could keep track on what I was paying them back. The second transaction was stopped. I then received a message depicting this. I phoned them and asked them to release the payment as it was correct. I was told… Read more

they could not do that unless I told them what it was for and paying them back was not good enough. Needless to say I was pretty upset and told them it was none of their business. It took them 48 hours to finally realease the payment. They have frozen not just one account but three accounts leaving me with no money and having to borrow money from family as they expect you to fill out forms whilst on a Christmas break and not knowing anything about it. They also gave me false information which then meant more accounts were frozen. I am changing banks as soon as possible. Be very careful they are a very intrusive bank wanting to know everything you do and that was a minimal amount $500.00 I would recommend going to any other bank NOT QUDOS!!

Qudos Bank
Qudos Bank    

Hi Kerry, I’m really sorry to hear about what you’ve… Read more (+1 reply)

Patrick Doyle
Patrick DoyleQLD5 posts
  Online

Good Morning and once again I am in a position to recommend a Qantas employee named Brandon who on the12 September helped me resolve a problem I was having with making a substantial deposit to have some work done on our home. After a few try's to transfer the money I was hitting a brick wall and I needed to complete the transaction quickly for… Read more

various reasons. Talking with Brandon helped ease me down as he went through the process I was trying and picked up that I had forgot to increase my limit he then proceeded to speak to another department to speed up limit increase and they in turn requested confirmation that I knew who I was trading with , if I was confident with the transfer etc as once done I was on my own with no responsibility to Qudos. I was so pleased to have them point out that fact as I had overlooked it even though I knew of the tradie so another thank you to Brandon for taking time out to follow through on my behalf. How long have I been with Qudos as it is now known, since about the 1960's or early 70's and the reason why is in the event above , you can rely on the staff to be there for you in all situations.

Yours Faithfully Patrick Doyle

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private
private3 posts
  Online

Exceptional call-centre service – This review is for TWO separate call-centre experiences today. The first was with George, regarding complicated account transfers; part of which was his making an Assisted Transfer for me. His service was OUTSTANDING in all respects; especially including in his follow-up. The second was with Henri, in the unit for increasing transfer limits.… Read more

Again, his service was excellent; he understood my complicated issues; provided excellent informed advice on how to deal with them; and resulted in his increasing my limit; to assist my needs. I felt that the processes which each went through with me to verify not only my ID, but also to verify the transactions which I was undertaking; as well as external transfers intended to be made; make me feel VERY confident in making each transaction. Each of them understood my complicated needs; and addressed them perfectly. Thanks to Qudos for employing such empathetic and wonderful people; as well as for training them to such a high level in the required knowledge for them to be able to deliver such exceptional customer service. VERY impressed. Raymond.

Positive reviews

AJP
AJPNSW
  Online

Needed urgent assistance with a large loan redraw. In addition to sending all the details via a secure mail, I phoned Qudos and was assisted by Henri. He was polite, helpful and efficiently dealt with my request. I am grateful as sometimes getting assistance can take up to a couple of days if relying on response to secure mail messages. Show details

Paul X
Paul XVIC
  Branches

Early morning call, Henri was full of Enthusiasm, and Rearing to go. Polite whilst being Switched. on. A true gentleman along with his knowledge. My issue was resolved promptly. P.X Show details

DFC
DFCQLD5 posts
  Online

Henri was polite, efficient, communicated processes clearly and had me on my way quickly. He was protecting my money at every step. I have had only great interactions with this bank. So glad I moved over when I did 4 years ago following issues with my previous bank. Haven't regretted it a moment. Show details

Negative reviews

VLA
VLANSW19 posts
  Online

Tried many many attempts to get to talk to someone regardling new account tried calling morning, hours tried afternoon hour waited waited gave up after 10mins on call waiting with bird chirping music, guessing to sooth the patience for customer. i would suggest improving agent assist help line.

VLA
VLA   

specifically Credit Card team. i managed to get through after many attempts across many days, the… Read more (+1 reply)

BobS
BobSNSW21 posts
  Online

I have commented on this matter previously. Qudos is unable / unwilling to record my address details in a correct manner. I live in a large apartment complex and Qudos is unable to record the apartmnet number. According to Qudos my address does not exist. We are now into our 8th week of trying to sort this one out, and a resolution has still not… Read more

been reached. I deal with a number of other Banks who have no issues, only Qudos. What does this say about Qudos?

Peter A
Peter AQLD4 posts
  Online

Been a member/owner since 1989. Since merged with Bank Australia the customer service is woeful, long holds, and inability for proper staff explanations. I received a request for Source of Wealth and Funds for my account and they froze it despite not being able to articulate or explain what Austrac triggers were in play to justify their request.… Read more

Similarly, my Platinum Credit card continually gets rejected by airlines, hotels, and often requires phone calls to their so called fraud team to stop embarrassment and get tickets issued even with QANTAS who is supposedly the key card partner. Given this is quickly becoming a lefty communist leaning bank telling us what cars we should buy and what we should do with our lives, I'm ditching everything I can.

Qudos Bank
Qudos Bank    

Hi Peter, I’m sorry to hear about your experience - we… Read more (+1 reply)

Recent reviews

Greg
Greg
  Online

I spoke to Henri at Qudos Bank Call Centre. He was most polite & efficient in resolving an issue. His professional approach & problem solving manner is a reason I bank with Qudos.

Penelope
Penelope
  Branches

Couldn't access my account for some unknown reason but spoke to Sophie who was most helpful and advised my account had been locked - I have no idea why. However she unlocked it for me after a few minutes conversation. I found her very helpful and friendly

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Rowe Glenda
Rowe GlendaVIC
  Branches

Excellent Customer Service today by Deepak at Head Office when I couldn’t log onto my Internet Banking! Deepak was very patient with me (baby boomer who isn’t great with technology at all) and guided me through all the steps I needed to be able to use my internet banking again! Very happy with his excellent customer service and understanding of my issues! Thankyou Deepak!! Show details

carlcharlesthompson67
carlcharlesthompson67NSW
  Online

Fatima was so polite & professional with my enquiry. Initially I thought there was a technical problem with the mobile banking app not updating my transaction transfers affecting my available balance. Fatima perfectly examined my account, explained my transfers and also uncleared transactions waiting to be deducted. Turns out it was silly me that… Read more

had miscalculated the actual amount I needed to actually transfer to achieve my expected available balance credit! THANK YOU SO MUCH Fatima for clearing this up for me!!! You are a DEFINITE ASSET to the Qudos Bank Team!!!

Paul O'Connell
Paul O'Connell2 posts
  Online

Henri was clear and concise. He also had a friendly manner. The issue was handled quickly and professionally. I have been with Qudos bank for over 35 years and have always found their customer service to be exemplary. Show details

JFE
JFE
  Online

Have been sending repeated emails regarding a banking matter and have not had one reply to any of them. Fatima looked into this today and said that was totally unacceptable and would be escalating this matter so I should get a reply today. I appreciate her for going above and beyond

Elliot B.
Elliot B.SA
  Online

A big thankyou to Penny for guiding me through the tedious process of opening my on-line account. I found her to be patient and generous with her time. Her instructions were clear, precise and easy to follow. Well done. Show reply

Sandra
Sandra
  Qudos Bank

I spoke to Fatima today who helped me with a variety of issues and she solved each one of them with ease and professionalism. I have been with Qudos and Qantas Credit Union for over 30 years. The Bank has always been reliable, it’s like an old fashion bank with a bank manager who makes himself available. My experience today was very good today Show details

A Rev
A Rev
  Online

They were very prompt in answering my call request, thorough in screening to ensure I was not a fraudulent caller, and resolved my concerns quickly. I hadn't received such prompt service from a bank before and I was very pleasantly surprised.

Julian L.
Julian L.2 posts
  Branches

Henri was extremely knowledgeable and very helpful with my inquiry.Explained everything I needed and I could not of asked for more. Thank you for your time today. Show details

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