St. George

So disappointing. Moved all our loans to them, couldn't get a credit card. Card got lost. Had to cancel joint card...phone service is friendly, but terrible CX processes.

The following is text from StGeorge online banking. Accounts can no longer be linked to credit cards at this time. Any previous links set up won't be affected and can be used as usual. If you're experiencing a difficult situation and desperately need your account linked, you can call our Card services team on 1800 028 208 or +61291557800 if you're… Read more

calling from overseas and they'll be more than happy to explore alternative options with you. When I contacted them explaining I was in a desperate situation and need this access they told me they would not be able to assist and could only obtain a debit card from a branch which I am hundreds of klms away from. You cannot even trust the banks own words. I will be moving my accounts to a credit union. StGeorge used to be great but have slid down to the bottom of the barrel in recent times.

Terrible customer service. Locked me out of my bank account and my own money. Demanded id. I refused and got my money out. Have since asked to close my account three times and they have somehow been unable to do it.

I would give a Zero if it was an option. Three main complaints, Interest Rate way above any other product and was actually 10.17% before the first recent Reserve bank cash rate decrease. That is not a misprint!! Second complaint is the Account… Read more

keeping fees, up until recently I was being charged $5 per month for the 'privilege' of have an interest offset facility and a further $8 per month as an Account keeping fee. ON TOP OF 10.17% Interest Rate. Totally Unjustifiable. Unfortunately, I had very few options when I initially took out the loan as not many institutions offered SMSF Loans on property. My final complaint is Customer Service. There has never been any contact from the bank until recently. I took out a modest loan in 2014 and have done my utmost to pay it off as quickly as I could and now, I only owe a small amount. This has prompted them to ring me and ask if there's anything they can do for me. I told them everything that they are doing wrong, but it's more important that I tell you, the potential customer, what they don't do right and the treatment you can expect if you do bank with them.

I am currently overseas, locked out of my accounts, and St. George’s support is a complete shambles. I have no physical card or Customer Access Number on me, and the bank’s "security" process is a joke that defies basic logic. When I called for… Read more

help, I was asked for the date of my last login. When I told them I didn’t know because it had been a long time, the representative actually told me to “log in and check the top of the screen.” I am calling because I AM LOCKED OUT. How can your staff be this poorly trained?

Furthermore, I am expected to know the exact cent-perfect balance for one specific account out of the nine I hold with the bank—all from memory, while stressed, on an international call.

I spent a fortune on roaming charges just to receive a SMS PIN on my Australian SIM, only to be told after passing the PIN check that I "failed" an ID check anyway and to "call back in 24 hours." No explanation, no help, just a 24-hour lockout while I am stranded without access to my own money.

I’ve been passed from department to department, held for hours, and dealt with staff who have no idea why I was even transferred to them because no one bothers to leave notes.

If you are an international traveler, DO NOT bank with St. George. Their systems are not built for the real world, and their "support" is a loop of automated frustration.

Absolutely terrible customer service. I've called three times now for simple actions (like closing a credit card account which failed online) and each time I get sent links to bots that don't deliver. It's impossible to speak to a human. I've been… Read more

with this bank for decades but it's time to move on. The process will be long and frustrating but it has to be done...

The best bank ever, I had personal loan, credit card and home and contents insimurance with them.I noticed that my physical address do not coincide with my registered address, I asked them if it is safe that my physical dwelling is at the back but my registered address is at the front which is 6a, they said I have to have it settled with my… Read more

Landlord first, and they stopped charging me my home and contents insurance and returned some amounts to me as I was paying with a wrong address.

They are very honest , most of the staff per se, however I can't perfect any branch, I avoided someone who talks so fast and a bit manipulative, she wants quick transactions without explaining very well, she is after a quota.Thank God she is not in Macarthur Square Branch anymore.

Last time I saw her was in Campbelttown branch ,but it was close.

Anyhow aside from that particular dodgy lady, everything is fine, whenever I go to St George before, I avoided transacting with her, I rather go the back the following day and be with another staff.

Macarthur square branch and all other division, be it phone banking, they are all good.

The safest way to do banking, they call me whenever they see suspicious transactions.They call me straight away.

If not because of that very intrusive staff, who talks so fast and wanted to decide for me, which is not right, I could give St George Bank 5 star.St George Bank is humane, they have humanitarian heart.Not a robber.

I have been with St George for 20+ years. After a horrendous experience with CBA. I am happy with them with all experiences, including in branch customer service, the banking app and phone support. Nothing beats being with a financial institution that doesn't make huge changes that ruins something good. I also want to note - recently they were… Read more

very helpful in getting me my credit card. I was desperate to change from Coles Mastercard to a more reliable banking system. They went above and beyond to help me and I'm so happy I can get rid of the other one.

I had occasion to change my banking arrangements and called into Nowra branch and met a lady named Tracy..she was very knowledgeable and was so polite . She helped me set up an account and showed me how best to make sure I checked each withdrawal for scammers..lovely lady a pleasure to deal with.i cannot show my bank detail to confirm my dealings with St George for obvious reasons.

After 10 years with Macquarie Bank, a superior digital banking experience I recently was moved to St George by my broker for a better interest rates. In 7 days I'm already moving it all back to Macquarie. St George is utterly incompetent, inferior digital platform, minimal security that leaves you completely underwhelmed. It's as they've never… Read more

modernised their approach to customer success. Staff are far from knowledgeable, onboarding was a nightmare into the St George world.

This bank would have to be the worst banking experience you will ever find. I will happily pay more to return to Macquarie Bank.

Firstly, I decided to change banks after 20 years of banking with St George when they insisted on more work records even though had $50K in one of my long standing accounts when I applied for a credit card (even though I have a great history with credit cards with them). Secondly, now after 2 years of not using one account, I transferred a sum of… Read more

money which was added to my still existing account, the money was accepted into my account but apparently I cannot use this account online unless I verify my ID! As this bank's AI will not recognise my very legitimate ID, I am now required by these people to make a 120klm round trip as they removed physical banking in my regional area to see a real person to enable me to use my money., What concerns me most is that this bank will accept my money into an account and then not allow me to use it. They take my deposit and then say you have to prove ID before you can make a transaction. Why didn't this lot ask for some kind of special ID before they took my money????

St.George have terminated/ deleted my business banking accounts for no reason. They can’t locate them and no one can tell me why this occurred. I asked them to tell me what grounds a d or and which legislation (that applies to my circumstances) provides them the legal authority to do this? They couldn’t answer. Additionally with all the… Read more

technology they have on hand, I still need to attend a physical branch and speak to a person about my missing account and monies because whilst they can terminate/ delete my account they can’t seem to fix it. This is not only concerning but extremely frightening. Will StGeorge compensate me and my employees when bank debits can’t be processed and bounce due to their lack of governance? @bankingombudsman I truly hope so.

I have been in Japan for family reasons since May 2025. I requested multiple times to update my mobile phone number from the Aussie number to the Japanese number, but their system did not allow it. It's a serious software glitch, but they did not care. Think for a moment. They use my old Aussie phone number, which I no longer use, to do 2-factor… Read more

authentication. Dah! It always fails because there are no other options.

I called their number +61 2 9155 7700 for overseas customers, was put on hold for 40 min, and was subjected to a new, useless pre-screening that asked for my bank account info. Hello, I called them because I was not able to access my internet/mobile banking. How would I know the state of my bank account???

Their procedure was pecetic. They failed me without asking me my date of birth, email address, address, mother's maiden name, etc. WTH! The fxxing conversation wasted my time. Furthermore, they put me on hold forever (it said another 40 min or more) to move to the next step.

St.George Bank customer service needs better training. Your Terms & Conditions state Concession Accounts can’t be overdrawn, well that contradicts those terms. Every time a make a purchase or repayment on a purchase I transfer those funds to my account then proceed to make payments/purchases, St George Bank takes those funds as Negative funds even… Read more

though I have the money available and the purchase/repayments have been deducted from my available balance. Now if I paid the Negative amount that means I’d be paying double the payment. After every transaction I check my available balance to see if the payment has been deducted and it has, how do you justify deducting multiple payments from my account when the funds are all ready taken out of my account from the AVAILABLE FUNDS?. Your banking processing software clearly has errors that need attention. Your staff lies about these issues and can’t comprehend the problem. How many more customers is this happening to?, The bank is making billions of dollars. Your Complaints Manager only offered $250.00 to close the case. Terrible service. My case is currently with AFCA. Hopefully they can comprehend the issue. Based on your Terms & Conditions that contradict overdrawn Concession Accounts I want to be compensated for the bank illegally accessing my account.

This is the worst bank I’ve ever dealt with — St. George Bank has been an absolute nightmare to deal with. I’ve been trying to resolve a refund issue for months, and despite repeated attempts to get help, nothing has been resolved. Every time I call, I’m routed to overseas call centres where staff are unable to properly assist or take ownership… Read more

of the situation. I’m left going in circles with no outcome.

On top of that, their communication systems appear to be completely broken. They keep insisting they’ll email me, but I’m not receiving anything. I’ve explained this multiple times, and even provided an alternative email address — still nothing comes through. At this point, it’s clear the issue is on their end, yet they continue to rely on a system that simply isn’t working.

Because of this, I haven’t been able to provide evidence or properly follow up on my case, which has completely stalled any progress.

As a result, I’ve gone without money that I am owed for months, which is incredibly stressful and unacceptable.

A bank should provide reliable support and clear communication, especially when it comes to customers’ finances. Unfortunately, this has been the exact opposite of my experience.

I would strongly recommend others think twice before banking with St. George.

Can't close accounts online. Only a credit card. Virtual chat sends you to a link that says I am prohibited from doing so. So now I have to sit in a phone queue. Easy to setup a new account, get a new card, but not to close one. It's deliberate blocking by limiting process. Typical Westpac Show details

Very disappointed with St George atm. Small business Compliance paperwork was the start of my issues. They shut down transactions on my account as they hadn't received the paperwork. I posted it but not received. There response was to shut down all transactions of a small business without notification. I rang (2hours of wasted life) and given a 2… Read more

week extension. Had to ring back to extend that as they didn't send the paperwork for 1 1/2 weeks. Resolved after 2 visit to the bank. Second visit was because I had to fill out more paperwork, but they made a mistake and I went the second time for nothing. Now they have changed the ability to nominate who is paying on the mobile APP. Why??? If it ain't broke don't fix it!!! No point changing this. If they want to restrict who pays description, make it the account name. That would be smarter, especially if you have personal and business accounts on the mobile app. AS to whether they care about bad reviews, I doubt it. So many departments and layers that it is always some other department that looks after this.

States on website it closes at 5pm but when I get there it says closes at 4 on Friday [Content Removed]. What sort of absolute morons couldn’t get their efing operating hours right be so proud wearing that uniform, a joke people can loose theire business because of that idiots.

Second phone call tonight, just to activate a card. First call I was on hold for 20 mins and as soon as the call was answered it disconnected. Infuriating music. Second call, closing in on 20 mins on hold again. Where does our money go? Certainly not to pay enough staff to man call centres. Staff who are likely earning the equivalent of exploitative wages here in Australia. Shame shame shame.

In today's mail was a letter from an unidentified South Australian address, addressed to a name we didn't know, but at our street address. I opened it, and found it was the lady's Visa Debit card (we are not St George customers). So this review is not about how I was treated as a customer, but how the bank responded to an outsider wanting to help… Read more

them undo their error. I looked for a number to call St George and found a 1300 number which serves for about six different categories of call topic. Unsurprisingly, there was a 30 minute wait because they have so many calls. While I waited for an answer, I tried the chat online to see if that could get me to someone. No, that's only for customers, and advises you to use the app. A lot of use to me. It went around and around in circles. Eventually my call was answered. The staffer (overseas?), once the situation was explained, had to go away and call someone else, leaving me again to the muzak. After a total of 60 minutes on the phone, I was advised to destroy the card and they would advise the customer of their error. I would love the Productivity Commission to look into these systems. If I was still working, the only time that I could call would be in work hours, and I could not have waited on the phone for them to deal with THEIR issue. Fortunately, I'm retired, but that doesn't mean I had nothing else to do today. Productivity is not just how well staff use their time, it is how productive the experience is for people on the other end of the phone. If the banks like St George can't be bothered to improve their systems, maybe it needs a politician to go through this painful waiting for attention. Frankly, I wouldn't want to be the customer whose card got sent to the wrong address. Who knows what else their system will get wrong!

WORST BANK EVER Never have anything to do with them NOT WORTHY OF ANY STARS. I rang 4 times to even get to a human which actually took 35 mins in the end to stop a statement from coming for a card I haven't had active for years I answered questions to identify myself which I did, then came questions like when did you last do internet banking on… Read more

this account and when did you last use the card, i had just told him 3 or more times i dont have the card or use it anymore so i could not say dates only to be told I didn't qualify and told they would not help me! Seriously....are they that st^pid i just told him i hadn't used the card for years i have the account number and it actually has the address half wrong on the statement but still NO didnt want to hear that! People have bigger issues to worry about. He could see that I hadn't used the card on his computer but would not be cooperative at all. DO YOURSELF A FAVOUR AND STEER CLEAR DO NOT BANK WITH THIS LOT!

Wish I could go 0 stars. Been to two branches the last 2 months. Each time is 45 kin wait minimum. Making the elderly stand up that long in many cases , under staffed , closing outlets whilst making tens of billions a quarter, and constantly asking how they're doing. I'd rather answer here , your useless and greedy - I'm changing to imb who still have service.

I have banked with St George dInce the 60s when they started as a building society. My experience this morning was so frustrating as could only get AI help which is useless if you have a problem outside their parameters. Very disappointed in the use of AI and no person you can speak to.