NAB Reviews 513

When does it all end with NAB? They are getting worse - this time they locked me out of Internet Banking because I went to make purchase at Bunnings with CC - Apparently, I used the wrong pin? Not only did they block my card but also my internet access!! After a total of nearly 2 hours waiting on phone to speak with them and then arranging for my pin to be changed - Guess What? Blocked again and locked out of internet- More long periods on phone and numerous times justifying who I am - All this because I refuse to use my Mobile for Banking!!! Yes, I only wish to use my card not Mobile Banking which is why I cannot access internet Banking - WTF! Spend those billions on SERVICE for customers NAB - Not all your rubbish Promotions!!!

Worst experience I’ve ever had with a bank. Seems like a circus happening there. Just received outcome for my application over a month after initial application. The person taking care of application would never answer their phone or call back after leaving numerous messages. What ever you do don’t bother with these guys. They’re terrible customer service!

I have been trying to get an issue fixed for 2 years. I doubt the whole company has a brain between them. I do not recommend this bank at all.

Zero stars. They are an absolute joke. They clearly outsource all their staff to overseas after the mass redundancies and it shows. They locked my internet banking for no reason and made me go into a branch where I sat for an hour while the staff member called 5 different departments to find out WHY and NO ONE HAD AN ANSWER. She photocopies my ID and saves it to the system and they unlock my internet banking only to re-lock it again 4 days later forcing me to attend a branch again. The lady on the phone, SASHA, was useless. She was looking at my ID on the system and telling me I needed to go to a branch to show them the same ID she was staring at "for further verification". They are the worst bank I have ever dealt with. STAY AWAY FROM THEM. Disgusting service. Especially from Tahlia, one of the phone consultants.

Left me for weeks on end waiting for a new card had to travel to get money and got stuck there once and had a bad time then later on I realised the card was still on my account and active and lost money again to someone I tried to block they were letting other people draw on my account but not me and allowed transactions that were clearly over to continue now when I try to pay for something I'm wondering if it will reject even with the funds being there and they seem to pick and choose what transactions I can make when it started I blocked my card and then they wouldn't allow it open even though it is a feature you may use on internet banking they assured that card was finished then I couldn't belyit was active months later as the teller machine actually did take this card for being damaged they seem lazy to me I've been with them for years and been happy but the last year they started stopped my overdraft with no reason no then they give that back again? strange

Less then 1 star, good job closing all regional banks, its been 4 days of constant messaging and trying to call, just to be ignored, good for the city but not for the regional towns,
Go with someone that actually answers the phone or a simple message,
Every single time I call its the same msg, long delays no staff etc

NAB lost my mothers POA and she has not had access to her account for 6 months

Purely reviewing because of customer service timeframe. Messaging is "like texting" (yeah that's what we want) and the response could be in hours' time or the next day. Phone has a massive queue, I waited for over half an hour before giving up. You should be able to talk to someone about an issue.

My cc started being declined (all my bills/etc are debited from my cc which is paid in full monthly)....couldn't get through to NAB "customer service" by phone (do they understand what that term means?)...contacted via app messaging ..took two days for a reply. Nab had apparently blocked my card due to suspected fraudulent transaction (which was a genuine app subscription). Nobody bothered to check with me if this was a fraudulent transaction. Nobody bothered to let me know they had blocked my card........disgusted by the complete lack of customer service. Disgusted that this company that records billions of dollars in profit every year (plus Hoover's up millions in taxpayer hand outs through COVID) can't employ enough people to staff their call centre.....SO OVER THESE MASSIVE CORPORATIONS THAT ENDLESSLY CHASE MASSIVE PROFIT AT THE EXPENSE OF ALL ELSE....off to Bendigo

Amazing! The level of Incompetence is just Amazing! I nave never seem such consistency in Incompetence.

- Up to 1 hour on hold before the phone is answered even when phoning from Overseas (at my cost)
- 2 to 3 days to answer a message through their App.
- Their INABILITY to send me One Time Pins to my Overseas number, even after I informed them of my travel and overseas number. - And after 60 minutes on the phone to inform them of the overseas number.

I finally contacted the NAB Complaints Dept via email about these issues.
The NAB Complaints Dept response?
" We cannot see anything wrong with our service and we don't understand why you are contacting us"

As someone else mentioned, they are Extremely Efficient at Charging Their Fees and Charges.
Even then, they usually overcharge and you have to try and get a refund. Good luck with that!

I've been banking with NAB for 20 years and with all the ways to improve customer service over the years, YOU have gotten worse...and you were already bad. My accounts are locked because I got a new IPHONE, but to reset them your online answering service tells me to log in and reset my password??? I CAN'T LOG IN. 2 times waiting for over an hour on the phone and still no solution - what a joke. Say goodbye to my account

I am currently overseas trying to resolve a security-related issue on my account and the experience has been nothing short of appalling.

After calling the number specifically designated for overseas customers, I have been left on hold for an extraordinary amount of time with no assistance, no meaningful updates, and no sense that anyone values the urgency of a security matter. When someone is calling about potential account security concerns, delays are not just inconvenient - they are unacceptable.

For a major bank that promotes itself as customer-focused and reliable, this level of service is deeply disappointing. If this is the standard of support provided when customers need urgent help, it raises serious concerns about NAB’s operational capability and commitment to customer care.

This is my first experience banking with NAB, and based on this, it will almost certainly be my last.

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!

Trying to talk to a human with the NAB. I spent over five minutes pressing numbers on an automated site. Tried to send a message and that was pointless. I do not drive so can not drive to local branch, it is a 30 minute drive. Cannot find the phone number of my local branch to ask my question. I think it might just be easier to close my account and go to a bank with helpful customer service.

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 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.

Best phone system almost as good as ubank so impressed with online app and service got two new products

Applying for a NAB credit card was an absolute nightmare. The process was painfully slow, poorly designed, and completely lacking transparency. I provided all the required documents, only to be left waiting for weeks with zero meaningful updates. Trying to get answers from customer service was a waste of time, none of them was able to help me, and no one seemed to actually know what was going on with my application. For a so-called “big four” bank, this level of inefficiency and disorganisation is unacceptable. NAB clearly doesn’t value customers’ time, and this experience alone is enough to make me take my business elsewhere. They advertise 15 mins online application and you will get the result. I prepare the document and linked my Myob account so they will access to my business cashflow. I thought i already did all the necessary docs and requirements.Days passed and there are no update to my application. During one of my lunch break I went to Adelaide branch for an update but they don't know what happenned to my application. They suggested to arrange a meeting with banker on another time. I agreed to this and they said meeting will take about 30 mins.The meeting was set up on 27-Nov 2025 at Norwood Branch. I agreed and meet the Banker and the meeting took more that an hour. I prepare all the docs they needed and did the onboarding process the took forever. Unfortunately we forgot my wife passport and but we have soft copy. They insisted that they need the actual copy so we end up going to thw branch again the next day.The next update we got is email on 4-Dec 2025 saying onboarding process is finalise and the credit card application in progress. I waited and I did not have anymore update.I went on my holiday break overseas and I was only able to follow up on 27-Jan 2026. They said the application is already close because they did not hear from me. They said they called but I did not answer. Unfortunately I was still overseas that time. I did not even received an email to inform that they called. Anyway they told they will resume my application because they already have my details. The support said someone will call me in 2 days or maybe before the end of the day. I waited 2 days and that never happened. I have to follow up again in person in Adelaide branch but they can't see any update or don't know what is going on.They said they will reach out to lending officer and they assured me that they will give an update at the end of day no matter what happens. And you know what? I did not received any update. The next day out of frustration I applied thru ANZ bank online and did the same application. I give the same details and give permission to access my MYOB account and I got conditionally approved straight away.

In the afternoon the next day, I got called by the NAB lending officer he asked about my application and you know what??? They are asking again for my details and they said they just want to confirm all the details that they already asked. We just end up cancelling the application altogether because it is a waste of time. This is the worst application I have ever experienced.

After more than 20 years banking with this bank,
i can say this is the worst experience I've had with any bank. Why does this bank still exist in 2026?

thanks to Kirsten Young

Please take your ad off SBS on Demand before I slit my wrists!