Commonwealth Bank

Not transgender friendly , or teretz syndrome friendly, said i would get a warrning , and didnt give it and still they terminated my banking with them , inc power of attorney abilitys

I am extremely disappointed and honestly shocked by how I was treated. On 18 February 2026, I received an email informing me that all my bank accounts were being closed due to a “commercial decision” and that no reason would be provided. I was immediately locked out of my accounts and unable to access my own money. No notice. No warning. No… Read more

explanation.

I could not log in. I could not transfer funds. I could not use money that legally belongs to me. This created immediate financial hardship and significant stress.

The email stated that a cheque would be sent for the remaining balance, but it did not explain clearly whether I could withdraw funds at a branch or how long I would be left without access to my own money.

When I called for clarification, the first staff member transferred me and the line disconnected due to “outside business hours.” The next morning, I called again at 9:45am. The male staff member who answered did not introduce himself and spoke to me in a dismissive, condescending tone.

When I explained that I had been locked out of my accounts and could not access my funds, he repeatedly asked, “So how can I help?” as though the situation was somehow my fault. He then told me that account closure and accessing funds were “different issues.”

He eventually said I could go into a branch to withdraw my money but wasn’t even sure what the withdrawal limit would be. This completely contradicted the email, which said a cheque would be sent. When I pointed this out, he responded, “That’s why you’re calling now.”

The most disturbing comment was when he said, “We do this 100 a day and unfortunately you’re one of those.” That statement was deeply offensive and made me feel as though I was being treated like a criminal.

All funds in my accounts are from legitimate wages and transfers from my partner. I have no debts, no suspicious activity, nothing improper.

If the bank chooses not to continue a relationship with me, that is their decision. But locking customers out without clear communication, causing financial hardship, and treating them with disrespect is unacceptable.

Customers deserve transparency, dignity, and basic professionalism.

As a CommBank Yello Plus customer in Melbourne (benefits extended to June 2026), I was excited about the exclusive Amber Electric offer: up to $150 welcome credit over 12 months for Plus tier (promoted heavily on commbank.com.au and amber.com.au/cba-yello, valid until 30 June 2026). Despite meeting all criteria (15+ outbound transactions, $500+… Read more

eligible balance for 15 days), the Amber offer simply never showed up in the "Offers" section of the CBA Yello hub. The app showed "No new offers yet. Check back later" for weeks, even after my transactions and balance updated (finally showing 15/15 after a delay). Steps I took:

Reinstalled the app (as advised by 132221 support on Feb 10). Called CommBank twice on Feb 10: Both times told "nothing wrong on your end" – just wait or reinstall (no fix). Submitted a formal complaint (CF-15151868681C) on Feb 12 via the app. Received confirmation it's under review, with a manager to be assigned in 2-3 working days (up to 7 in busy periods). As of mid-Feb 2026, it's still open with no updates, no assignment visible, and no resolution. Meanwhile, other offers appeared (e.g., Uber One, Origin Energy specials, travel credits), but Amber remained missing despite the partnership being active and promoted.

This has wasted significant time and prevented me from claiming a meaningful energy discount for my solar + battery setup. The "data may take up to 48 hours to update" excuse doesn't hold when delays stretch weeks, support provides no real troubleshooting/escalation, and the complaint process feels unresponsive. CommBank Yello promises "exclusive benefits" and "personalised offers," but in practice, it's unreliable and frustrating. If key partner offers like Amber don't appear for eligible customers, what's the point? Poor execution all around – avoid relying on Yello for anything important.

I have been with Commonwealth for 8 years and I have decided to never bank with them again. I sold my car and as soon as I receive the fund from my buyer and my buyer took my car with him, Commonwealth decided to freeze my account ($0 shown on my account as my fund got frozen) with their reason being the fund is investigated for scam related fund… Read more

or ilegally obtained fund. How am I as a normal civillian able to run a credit check on my buyer and know exactly where his money is coming from? And then they also told me I am also getting investigated for scam or fraud. I got an email saying my fund maybe seized if its a scam related fund. So I am will be left with no car and no money. How is this not a criminal act from a bank? They told me they will need 3 days and my account will stay frozen. Am I supposed to just live in the streets cause I will not be able to pay my rent and food because Commonwealth decided to investigate matters beyond my control? They expect me to force my buyer to contact their bank, but their bank (St George) can only say that the funds are already with Commonwealth and its a Commonwealth issue as the fund is already out of my buyer’s account.

As a Commonwealth customer, I realized that commonwealth will not protect you as their only customer.

I signed up for a 5 month net bank saver high interest account. Be warned after 1 month they will change the variable component, even though their conditions online say it won't change until after the introductory period of 5 months. And then to add further insult, they don't then give you the new *introductory rate* available online, they will… Read more

put you on much less. An internal review from the manager, who is condescending AF, will give you no results. Escalating to the Complaints Team also gives no results. Oh by the way no email about the change of rate You have to dig into your account information and it's hidden away (takes about 5 clicks to find the info). Unethical conduct, no customer service and no concept of customer retention. Note the sentence attached, sentence 3, *At the end of the introductory rate period the Net bank Saver standard variable rate applicable at that time will apply*, is false. They will adjust it as soon as they feel like it. To give you all a further update, yesterday I went to close my account. I arrived into the digital queue at 12:36pm and was 8th in queue. By 1:22pm we had a message to say we were near the front of the queue and to return to the branch. We walked back to the branch arriving at 1:27pm. By 2pm, we still had not been served. Finally we were called 45 minutes later. I was rude, frustrated, and the staff member serving me, whilst trying to remain professional could see I was clearly upset, and basically told me she was refusing me service. I explained to her I had the flu, and had wasted almost three hours by now at the bank and should be home. She still refused to serve me for my 'attitude'. I wonder how she would feel if the bank changed her interest rate and made her lose over $4k in 4 months without telling her? I heard an elderly man in the next office, also getting irate and was sadly asked to leave. The bank and staff have no conflict resolution skills, other than asking you to leave. I had to back down and 'apologise' so I could move MY money and I didn't swear or call her names, I simply told her how disgusted I was in the bank and how unethical it was. She threatened to make me come back tomorrow and wait again (wow!) finally she agreed to close the account. It then was sent to another staff member to come and verify. I asked about the waivering of the $30 tfr fee for all the hassles, delay and misleading information, and was told, that she would lose her job to waiver the fee. I enquired with the 2IC who came into the review my transaction, but lucky [Name Removed] (the oh so savvy bank manager had told her he had already denied me this request, way to go [Name Removed], for one of your highest saving branch customers, aren't you just a gem saving your branch $30 whilst losing my money, and also nowhere to be seen helping your staff, or trying to salvage your customers walking out the door, you hid in your office all day). In summary it took 4 staff, and almost 3 hours to close the account. i exited the CBA Orion branch at 3:26pm, sick, tired and disgusted with their threats (to make me come back another day!)The saddest part, not one person said 'how can we fix this'? To add insult, an email 'summary' came through from Primus at the Customer Complaints Team. He refused to even put me on the current Net Saver Introductory Rate of 4.45% because that was for 'privileged new customers'. Let me warn everyone stay away from CBA. After 1 month you will no longer receive the rate guaranteed, or be a new or 'privileged' customer. When I asked Primus how he would remedy this situation to retain my business, he simply said my case was closed. No attempt to keep me as a customer. Today, the most satisfying part of my day, was transferring all my funds to St George, who not only offer a better rate than CBA, but exceptional customer service at their Orion Branch . Do yourself a favour and take your hard earned money elsewhere. CBA, and & CBA Orion do not appreciate your custom. No wonder people are getting asked to leave the bank, when you treat them so poorly.

If there was a negative star review, it would be most certainly be -5 STARS Review of Commonwealth Bank Australia (CBA) – A Caution for Small to Medium Businesses Commonwealth Bank Australia (CBA) promotes its CAN campaign to attract small and medium-sized business clients. However, in practice, it appears that CBA has become increasingly… Read more

disconnected from the needs of these businesses.

One major concern is their practice of holding payments for up to 24 hours. During this time, CBA reportedly leverages these funds on foreign exchange markets, effectively "gambling" with client money while payees wait unnecessarily. To put this in perspective, imagine CBA holding transfers amounting to hundreds of millions for a full day— the interest alone on such sums could surpass what many individuals earn in a lifetime. This practice raises significant concerns about the prioritization of customer service versus bank profit.

Moreover, despite their substantial profits, CBA’s online banking platform and website experience frequent outages, causing frustration and disruption for users.

For small to medium businesses seeking reliable banking services, I recommend considering alternatives such as St George Bank (an affiliate of Westpac). Their service is more consistent, online banking is dependable, and you can speak to real customer service representatives rather than dealing with automated systems like CBA’s AI assistant, Ceba, which many find lacking.

In conclusion, while CBA remains a dominant and wealthy institution, their service model for small to medium businesses leaves much to be desired. I urge business owners to carefully consider their options — sometimes even small actions, like switching banks, can send a strong message.

Caveat Emptor.

I had so much trouble ordering a $26 meal from Menulog tonight. I’ve been ordering with Menulog for years. The bank has put a protection of scammers alert on Menulog making it impossible to order a simple meal from your credit card. I kept trying and trying to eventually locked out of my own credit card. Thanks to this bank no food for me tonight.… Read more

37 years of loyalty this is how they treat you. I made calls of 2 hours on the phone and struck some workers who I refer to as idi*ts. Waste of my time.

The staff are great, however the Commonwealth Bank is useless, stand in line to see a teller for 35 minutes is ridiculous,whoever thought up how you set up a branch needs their head read, Tellers constantly have to leave their station to talk to sidelines staff and clients. You make billions hire some staff and streamline customer relationships Show details

I’m sick and tired of your maintenance. No one should ever be stuck gaining access to their money. This is [Content Removed]. I lost $210 this morning as I couldn’t get to work! Who is reimbursing my loss? I’ll be contacting long legal services. This happens too often. Emergencies happen to people too bad a person may have to die because no one… Read more

can gain their funds if this don’t stop we will start petitioning. Now I best be reimbursed for my loss. This is disgusting

What can I say. Nothing positive. They go from bad to worse. After 18 years of rubbish from this bank which is a laughable word for what they are. We are moving to a new banking institution who have dine everything we asked for within a week we as Cba could do at all. Honestly what an absolute waste of time they are. CAN what a load of rubbish. I cant speak any more lower of them with out being rude. Show details

CBA is locking customers out of online banking. It was never a requirement to have a smart phone to access your bank account online. You either had a security token or sms net code. With SMS code you only had to get a code for adding or making a payment to a new payee. It all has changed overnight. Now every time you try to logon to CBA online you… Read more

get a rude message to authorise the logon via the CBA smart app. Several minutes later after locating the phone, unlocking, entering the CBA smart appp pass code and several steps to find the authorisation notification, and several follow up confirmation steps you are now allowed to do your online banking. What evil spirits have possesed CBA to implement this by brute force. Are you out of your freaking minds? We already have multi factor authentication in place. Stop using MFA to excuse what is a blatant attempt to force everyone onto smart phones and the CBA app. This is a very bad decision that is only going to frustrate & allienate most of your customers.

Couldn't rate 0 hence rated 1-star Commonwealth travel service named as Hopper using car reservation 191431407373654. I booked a sedan vehicle for after hour pick up. At the time of booking $50 (after hr pick-up non refundable) additional charge and $3000 bond (refundable) were not listed which wad made aware at the time of signingthe rental… Read more

agreement. In addition, I booked for Corrola sedan however received hatchback which can hardly fit family of 4 luggage in a boot. 2x kids had to put the back-pack on their lap however hatchback plastic cover had to be placed on their feet to allow space in a boot. Hopper representative considers hatchback equivalent to sedan even though I raised concerns 1 day prior to my travel to NZ (at the time of signinga rentalagreement). Hopper representative, named Celest, advised me to cancel my booking and rebook for big size vehicle for greater than 5 times of initial booking amount without providingcompensation. Definitely not recommended to go through car booking using CBA service for hopper as I had suffered a lot during my entire stay and want others not to go through this situation again.

Each time i need to phone CBA i am placed on a good 15/20 minute hold and this adds up very fast when you've spoken to 2/3 different departments because they keep transferring you to the wrong area. 1 hour so far being on hold and and the chat messaging team are unable to help, they say please call the telephone team and that they're speaking… Read more

with the team in regards to the lengthy wait time i've been waiting for.

The reason for this phone call is because a merchant provided me with a refund then CBA went in and reversed it so now i'm out of pocket and they are making it VERY difficult to get some help to reverse what they've incorrectly done.

After the last few times calling and waiting for hours on hold I am considering changing banks.

I called the 132221 to check out a travel insurance query, after going through their automated self select menu 3times, after a period of time I spoke to a human.Having explained the query I was transferred to the “right department “. Further time elapsed, and another human returned to consciousness and couldn’t help with the question, but… Read more

directed my call to a specialist when the time reached 48mins I truly believed as it was a dull cold wet day they had all returned to their natural state of hibernation. Undeterred I then called 1800805705 to lodge a complaint, after listening to the nauseating patronising message about how important customers are, my call disturbed yet another human from hibernation. After I explained the query, ( following a third round of interrogation as who who I am, bank details, post code, and why do I think I have the right to call them) the conversation was interjected by several minutes whilst the discombobulated human, clearly troubled by being woken from her hibernation, sort guidance.

Eventually the solution, the human proudly made a groundbreaking announcement, I would have to call the underwriter direct.

When I asked when I could expect a response to the complaint regarding the FORTY EIGHT minutes I had been on the ‘phone, prior to the FIFTEEN MINUTES from the current call, the human, now fully recovered from her hibernation, proudly responded I had been provided with the information for me to resolve the query, call the underwriter direct, as for the 48min wait being passed around the cave from from one human to another, well Conbank ( their new corporate name that reflects their service and attitude to customers) don’t respond to complaints about long wait times and humans seeing how many times they can transfer a call before the customer hangs up.

As for me, I have been a reluctant customer of Conbank for 25 years, no longer, I am closing my 5 accounts and moving to a bank that shows some respect from the hand that feeds them TODAY.

Only reason for the 3 stars is that the online banking is 5 times better then Westapac and ANZ and 10 times better then NAB and there is no option for less then 1 star to give the others. The branch service is about the same with long queues and delays. But after trying all 4 big banks over the past 40 years CBA still the better one. After… Read more

issues with the others I found out that we no longer have an independent banking ombudsman in this country, or insurance ombudsman for that matter. They have been replaced by AFCA , an organisation funded and staffed by banks and insurance companies so hardly an independent regulator even if it had any teeth. That explains the gradual decline in bank services, lack of customer service and the massive increases in insurance premiums which of course they blame on climate change. The only way to get a fair deal from them is to have the government appoint an independent ombudsman and look into the conflict of interest of self regulation by banks and insurance companies. Find, sign and spread petition EN7196 asking for a Senate inquiry into AFCA conduct, delays and determinations if you ever want things to improve.