Westpac Online

Genuinely the worst banking experience I have ever had running a business. Every single time I call, I am sitting on hold for 10 to 15 minutes minimum before I even speak to a human being. As a business owner my time is money and Westpac clearly has zero respect for either. Then there is the OSKO transfers. Supposed to be instant. That is… Read more

literally the entire point of OSKO. My transfers are taking over 48 hours. 48 hours. I could have driven a bag of cash to its destination faster. This is not a minor inconvenience, this is costing my business real money while funds sit in limbo for no explainable reason. Westpac markets itself as a bank for business. What a joke. The hold times are insulting, the technology does not work as advertised, and nobody seems to care. I am actively moving my business banking elsewhere and I would strongly warn any business owner to think twice before opening an account here. Zero accountability. Zero urgency. Zero stars if I could. WWISH I COULD GIVE NO STARS !!

I have been a RAMS home loan customer, and I am appalled at how my accounts have been handled. In preparation for moving my loan to a new lender — a transfer that hasn't even taken place yet — RAMS/Westpac closed my offset accounts and moved approximately $30,000 of my own money into a Westpac holding account, with no prior notice and without… Read more

contacting me in any way. I now have no access to my own savings. The new lender doesn't even offer offset accounts, and RAMS/Westpac refused to migrate me to a Westpac product that does. So my funds have been swept into Westpac's holding account ahead of a transfer that hasn't occurred, with no warning and no chance to plan around it. As a direct result, I can no longer meet my mortgage repayments or my credit card payments using the money I had specifically set aside. Closing a customer's offset and moving their savings into the bank's own holding account pre-emptively, without a single email or phone call, is a serious failure of basic duty of care. I would urge anyone with offset savings to think hard before trusting RAMS/Westpac with them.

In connection with some identity requirements, Westpac made my credit card suddenly inoperative till those identity requirements were complete. I had just had a meal at a restaurant and could not pay for it! When those identity requirements were completed online, I was informed that the card would be activated in three business days! I have been… Read more

with Westpac for 35 years and in the past, when it suited their purpose, they have contacted me through email, text or phone . It is an extremely shoddy way to treat a customer of 35 years!!

I found a fraudulent transaction on my account from a company I have never heard of for the amount of $175.94 AUD I contacted Westpac about the transaction and they have declined my request for a refund. The company is called ESR CyberSphere France… Read more

and apparently they sell tech products, but I didn’t purchase anything from them and I don’t have any emails from them confirming my transaction. I will be switching banks as this is unacceptable, I have been with westpac since 2012

I have been a customer of Westpac Bank for over 50 years and have been very happy with them until recently. I wanted to invest some money with them, but was totally unable to contact anyone from Westpac in two weeks. I finally gave up and am looking… Read more

for a bank that still gives service; any suggestions would be appreciated. The rot with Westpac started some time ago, when I wrote on this forum about an interesting initiative by the manager to supply rows of chairs for the customers while they wait! They are waiting for assistance, perhaps you should supply assistance. Once again I would love to hear from anyone in WA who actually still has a bank that gives a service.

Received an email in August advising that my Credit Card application had been approved. Never received a cc in the mail. Rang several times and was advised that there was an error in the Westpac system and it would be sorted. Rang several more… Read more

times and today after spending 1 hour and 16 minutes on the phone was told I needed to go into a bank to sort it out.

No thanks will take my business elsewhere.

Pathetic service.

I’ve always had positive experiences with Westpac, I have a good lender and she often goes above and beyond to help me with a range of complex lending needs. Whenever I phone up and speak to staff I can reach out easy via the app, short call wait times and the staff are just fantastic and helpful. I would highly recommend Westpac, their fees are… Read more

often comparable with other lenders but I’m happy to receive this premium service and assurance. Thank you Westpac

I feel incredibly fortunate to have been a Wastpac customer for the past 30 years—and this feeling only grew stronger two days ago, when your team stepped in to block a $3,000 scam I didn’t even realize was happening. That kind of proactive protection isn’t just a service; it’s like having a trusted partner who truly cares about safeguarding my… Read more

hard-earned money. Knowing Wastpac is always looking out for me gives me an incredible sense of security, and I can’t imagine entrusting my finances to anyone else. I’m grateful beyond words for this peace of mind, and I’ll absolutely continue banking with Wastpac for the rest of my life.

I moved from ANZ to Westpac as it made sense to service our Housing Loan. Amongst all the negativity that seems to surround banks, I want to give a bit shout-out to Westpac. The security that they have on both Card and CC Accounts is leading edge and, in my view, far superior to ANZ. Every time we make a large or New account payment, we are asked… Read more

to confirm it by code input. It gives me a great deal of confidence that our money, both business and personal is very safe. Thanks Westpac

Not worth 1 star!! Need to access term deposit funds before maturity date.Went to the local Westpac branch person at service desk said he didn't know how to do that,I would need to Ring. So rang gave the required 31days notice.Term Deposit ended Friday 19/06/26 and funds are to be transferred into a Westpac Account.It is now 10am 23/06/26 and… Read more

still no deposit.The money has disappeared completely I can't view online that the funds ever existed. I rang yesterday when the call got answered it was immediately cold drop so I had to ring again (cold dropping a call gives the operator a call stat but because only one ring makes the duration of properly answered call shorter goes towards their preformance) When I spoke to a person I was advised to clear the funds usually take 2 to 3 business days.I requested to speak with a supervisor and have the matter escalated,before that could happen I was put on hold twice for over 10mins each time(they can't make outcomes calls).So today 23/06/26 rang again and sweet nothing.The problem is being escalated AGAIN to try and get the funds released but will most likely be tomorrow. SO 31 day notice and so far has been another 4days, Westpac Bank STILL has my money and I'm not getting any INTEREST. Apparently the interest on an early termination needs to be calculated.!!! Must be using grains of sand as the accounting method,wind keeps blowing the sand away. WHAT BANKING COMMISSION.

Needed information relating to a couple of investment loans held with Westpac around 10 years ago. Had account numbers but a very unhelpful online person who doesn't even try to find the information then asks did I want to load a complaint? For what purpose? I needed the information not a complaint discussion. Then the employee says you could… Read more

personally call into one of our branches but there's no guarantee they would have the information. End result ... a big fat zero. If I could give zero stars I would but of course one is the lowest.

Westpac was once impeccable at customer service, they were always very polite and knowledgeable and sorted situations out fairly quickly. Over the past few years this company has declined so much by way of demonstrating a no care for customers demeanourand often when phoning Westpac, you will get someone who is rude and dumb at the same time. Westpac is only a shadow of what they used to be.

absolutely disgusting service . unable to effectively open and close accounts , on maternity leave spend 9 hours on the phone to the bank with 19 different staff never getting a call back . looking for options to use with maternity leave or interest only while looking after a baby . no calls back and disgusting case manager who said she'd send me charity information!!! absolutely disgusting

I've only had my business bank account for a short time but this is the 2nd time they have blocked access to my account and money. I opened a savings account moved all of hour savings there to get a better interest rate but can't access our money. My card is also blocked. Called the, waited over an hour on the phone only to be told that I have to… Read more

go to a local branch to verify my identity. The nearest branch is a 45min drive away and closes at 4pm. I work 8-5pm. This is ridiculous and they should be ashamed of themselves. They couldn't even tell me why everything is blocked. I have $80 cash to my name until Friday. I'm so angry. Will be closing all my accounts and going to the Bendigo Bank. At least they are local.

the worst bank so far, the customer service promised me to called today. Yes, i forgot today is saturday. they lied in my face. I have applied credit card and for 1 month i dont have any certainty, it is approved or declined. Called them on 05/06, and asked them to cancel the application with thousand of reasons. stay away from this bank.. Show details

Westpac is so disorganised. I paid off my home loan 5 years ago and today I received a congratulatory letter for paying it off. Really! Well done westpac for being so incompetent.

Unable to report an unauthorised transaction. I am writing this while waiting to report unauthorised transaction on my bank account. It is now well into the second hour as I am being transferred from one department to another including an accidental, or rather incompetent, transfer to Bank of Melbourne. I spoke to 3 different people before… Read more

transferred to [Name Removed] (actually I asked to be transferred to the supervisor, but that word was too complicated to be understood by the previous agent) who advised me that she is just an agent, offered to record a complaint, but never did. She transferred me to [Name Removed] who supposedly is the supervisor. [Name Removed] is the one who explained to me that she works for a different bank and transferred me back to Westpac. During these transfers, I collected an enormous amount of sorry, apologies etc. Four times I had to confer my identity including my home address, phone number date of birth etc. I think these agents were trained by Spanish Inquisition. Now I am transferred back to Westpac and talking to [Name Removed]. After identifying myself for the 5th time [Name Removed] seems to be taken some action, but I could be wrong. I am still on hold. It has been already 1 hour and 15 minutes that I am trying to report this unauthorised transaction. Mind you this is the bank that regularly advertising how good they are guarding us from frauds and scams. I have been to optimistic - [Name Removed] just informed me that she cannot stop this transaction because some internal procedure. Scammer take note it is straightforward to steal money from this bank. The fraud team here is absolutely incompetent. Well, [Name Removed] transferred me to [Name Removed] from Digital Fraud who advised me that probably she is the wrong person to talk to. Meanwhile, I am back on hold. It has been over 90 minutes of this call. Enough time to complete soccer match. For the third time I asked to speak to the supervisor but every time I am transferred to another agent, which means again I have to go through identifying myself, giving my phone number, receive SMS and read it back. INCOMPETENCE OF THE HIGHEST DEGREE!!! Anyway, I am about to give up. I think there is no hope to get some sense from these agents. I already warned [Name Removed], [Name Removed], [Name Removed] and [Name Removed] that if this transaction will go through Westpac will have to wear the cost. Anna disappeared on the 100th minute. It looks like the extra time is inevitable. Perhaps that is how Westpac is getting ready for the World Cup. The fascicle continues - I am being transferred again. Anna said it won't take long. Now I am talking to [Name Removed] - person number 7 of this call. He said that he cannot stop the transaction, but he will file the complaint and my demand for compensation. Again, I'd like to repeat my invitation to all the scammers of the world - Westpac CANNOT stop you. Come and rob them (joke).

I'm trying to get Card Disputes to help me with an issue. 3 TIMES they have ask, and I have emailed them exactly what they asked for in terms of documentation and proof of the issue, and 3 times they have asked for it again and again. It's now been 10 days since the THIRD send-through of ALL the info, and they are simply ghosting me, entirely!!! Pathetic lack of assistance and follow-through. Not held accountable in any way.

Posting on behalf of a family member. A new card was issued with a hyphen in her first name where none exists. She's been into a branch to get it fixed with the previous card and it is a documented issue. Westpac seems to be an incompetent company.

Trying to cancel an account (that I never used, that a broker wanted me to set up) - what a nightmare. AI -> 1 hour queue to get to a person -> AI making weird and inaccurate comments while I'm waiting to hear back from the person I'm supposedly connected to -> oh look another queue.. Get told not to close anything because we'll have to start from the start. Then the browser times out. I think you need more regulation.

Tried to call three different branches to open a new account. Nobody answered these calls but the recorded message assure my call was important and they would call me back. Obviously my call was not important as only 1 person ever called back, and then not helpful! Show details

I can't get to speak to anyone. The robot can't answer my question but won't connect me to a human. I live regionally and when I drove 40 minutes to the bank - after a 30 minutes wait got told I had to access what I wanted on line. I am still trying.

Stay away from banks. Westpac in particular.. Trying to do id on line and take photos..bloody impossible. Resticted my buisness acc of my own money Have an important purchase on the morning to complete a job .stuffed everthing up due to their incompetence. Will be cancelling all buisness with them and go to Bendigo bank..

Rating: 0/5 Stars Westpac’s digital systems and services are completely backwards and archaic. It is, without exaggeration, the worst banking experience I could imagine. The customer support loop is an exercise in futility. Their chatbots are woefully useless, yet when you attempt to bypass them by calling the help line, you are simply directed… Read more

back to the same bots before the line goes dead. It is a circular system designed to prevent you from actually speaking to a human being.

Most absurdly, their processes seem trapped in a bygone era. To set up simple auto-repayments for a credit card, I was informed I had to print and sign a PDF, then physically take it into a branch. We are well into the 21st century; requiring physical paperwork and an in-person visit for a basic digital function is pathetic. This isn't the 90s, but Westpac hasn't seemed to notice.

Avoid this bank if you value your time or expect modern service.