NAB Avis 495

. The so called fraud team are I'll trained, I'll mannered and the lowest grade of idiot employees you could encounter. Waited over an hour for them to answer . Service or lack thereof is a total disgrace

On a cruise cannot use my NAB Visa card. Keeps being rejected.
I have spent over two hours in the phone plus 1 hour in the Branch in Darwin.
Their solution remove some of the card security placing me at higher risk of fraud.
I said no way so they cant hep me.
Pathetic. I would give zero stars if possible.

ZERO!!! What a joke as I was advised that the transaction had been reversed yet to my shock horror it was put through on a cancelled card

Don't deal with this bank - never had so much trouble

Whist the agent was reasonably friendly, they cannot tell me how many points I've earned so far, nor when they will get credited to my Qantas frequent flyer card.
For a premium card, the service is below par.

I’ve had a very disappointing experience with NAB overall, and I wouldn’t recommend them based on my recent interactions.
In my experience, the customer service has been frustrating — long wait times, unclear communication, and at times a dismissive attitude that made resolving issues more difficult than it should be.
My dealings with their fraud and scam support team were particularly challenging. What I expected to be a straightforward process turned into a prolonged and stressful experience, with limited communication and slow resolution.
I also found their interest rates to be uncompetitive compared to other options currently available.
Overall, what stood out most was the amount of effort required on my side to resolve relatively simple matters. Banking should feel smooth and reliable, but this wasn’t my experience here.
Based on this, I wouldn’t recommend NAB to others.

Inflexible credit assessment. As a sole trader, I provided accounting software reports and bank statements, showing cash flow, but was told only a lodged tax return would be accepted, which isn’t even obtainable until July. No flexibility or real assessment. Really shows how little NAB values small business.

I had Arsham as my personal assistant and he was super good and a great communicator. Very happy with the service provided by Arsham.

The bank locked my debit card and Internet app, so I cannot attend the branch to get any money as the branch is 200km away. They said there were 7 suspicious transactions which I told them all were valid and made by me but they insisted I was getting scammed, it's been 2 weeks no access and they said at least 5 more days. I have lodged a complaint with the ombudsman and 3 with bank, one wanting $200 for fuel today to go to their branch.

Pathetic experience at Rouse Hill NSW Branch. They discourage TTs and encourage to do internet banking. Staff is not trained. Then the transaction gets stuck and some one from fraud calls to get an authorization. The phone bell only rings once and when you call back, wait time is 20 mins. ABSOLUTELY USELESS.

Do not bank with NAB. Terrible customer service, long wait times, unable to communicate with customers, left feeling anxious and stressed, absolutely disgusted by their service!

NAB’s introduction of MyCard. I was under a financial hardship agreement until Dec 2025 with Citibank at which point I agreed I would take over the debt from January 2026. Making all my payments on time, but NAB won’t recognise the former financial hardship agreement with Citibank. No matter what you do, how hard you work or pay your debts off NAB just bull dozer you. Profits before people.

Absolutely ZERO stars for NAB and their TERRIBLE service! I have needed to reach out to them on 3 huge occasions and it took NUMEROUS CONTACTS and FOLLOW UP to get a resolution!

1. Refinancing my home loan for a car, took months and numerous contacts while my car was sitting on hold waiting for it to be completed.

2. Had my NAB home loan for 16 years, 11 of these years NAB could see that I was paying off the homeloan on my own (i was in advance as well as having savings over this time), when my ex advised me that he was going to take my home i was desperate to get him off the hoam loan immediately. After weeks of speaking to NAB on the phone my loan was declined as I was unable to service it despite proving that I was able to do this, plus that my income had actually increased which put me in an even better situation to continue servicing it !! Ended up i had to refinance through a broker to another bank. Which in the end became a blessing !

3rd strike. My latitude was hacked I called NAB immediately asking them to block my accounts while I worked out what was happening. NAB verified that there was no suspicious activity on my account so it was compromised by Latitude account being hacked through a direct deduction to NAB. First business day I went to the bank, spent over an hour. Thursday my pay went into my account even though I had tried to change it, I attended the bank again and was told I COULD NOT access my accounts, they would not open them because my main profile was as my married name but all of my accounts (except one, was in my maiden name), they had proof of my marriage certificate as well as my birth certificate on record but as I could not leave work to go home and get the certificate they would not unlock my account or even give me a small amount of my pay! I also had a copy of my certificate on my phone as well as my drivers licence with all of my details (also with my maiden name and matching to their details), but it was not acceptable. I left again in tears and called the complaints line, they made me jump through a few hurdles to verify who I was and once this was done I was able to have my account unlocked, the person on the phone actually sat with me and assisted me to be able to log into my phone banking so I could take all of my money out of the account and transfer it to my new bank. How can I have it unlocked over the phone but not when I am in the office under their numerous cameras with my work security id that can also be verified through my internet banking and id that matches perfectly with what information i have provided to them many years ago ?!?!?!

The 3 examples were the most stressful periods of my life but when I needed assistance NAB were of absolutely no help at all. Its OK to have a bank that is there for you when you dont need them but they FAIL to step up and assist when its absolutely required.

If I could give zero stars I would. Twice within a year their internet banking has gone down and I’ve not been able to access my money. Not great. Definitely don’t bank with them

Today 12 March 2026 I went to Nab Joondalup WA because I need ask something about my card but badluck I meet a lady work there, when I ask her name, she said Sofie, she is terrible lady and not nice at all when help me, she was very arogan lady. I do not know NAB have employed people like this. Badluck for me today.

It is very difficult to get to speak to a real person when you phone nab bank. I was left on the phone for 25 minutes within an automated voice saying how busy they are.. if the customer has no idea when someone is going to answer, it means I could be left on the phone for hours or a day.. The customer does not feel valued. After this experience I will be changing my bank.

Dear NAB Customer Support,

I am writing to formally lodge a complaint regarding repeated unauthorised transactions from a merchant called “Winner’s Locker” being deducted from my bank account.

I have already contacted NAB several times to report this issue. Unfortunately, the problem has still not been resolved and the transactions continue to occur. This is extremely frustrating and concerning as it involves money being taken from my account without my proper authorisation.

Additionally, it has been very difficult to reach customer support by phone, as the lines are often busy and I am unable to get timely assistance. As a NAB customer, I expect better protection and faster resolution when reporting suspicious or unauthorised transactions.

I kindly request NAB to:

Immediately investigate the transactions from “Winner’s Locker”.

Stop or block any further withdrawals from this merchant.

Reverse or refund the unauthorised transactions if applicable.

Provide an update on the status of this investigation as soon as possible.

Please treat this matter with urgency as it directly affects the security of my bank account.

If this issue is not resolved promptly, I may need to escalate the complaint to the appropriate financial ombudsman.

I look forward to your prompt response and resolution.

Kind regards,
Shanka L
0431422989

I have had an NAB interest bearing savings account for several years getting good interest as long as there are no withdrawals and 1 deposit every month. So I don't miss out I had a deposit set to be transferred directly into the account on the 27th of each month. In February I received 30 cents in interest not the normal $140. When I quested the interest at Eastgardens Branch, they basically said read the fine print, deposits need to be made 2 business days before the end of the month, as February was a short month it did not accept the deposit that was made on 27/2/26. OK I should have read the fine print that changes all the time (I know everyone else does) but as a customer for more than 10 years you would think that their reaction would have been a bit more helpful - Will be looking at moving some of my banking to another bank that does not use fine print to add profit to their bottom line at the expense of loyal customers

They are helpful if you feel like waiting hours on the phone. I have been let down a couple of times when I in dispute re PayPal transactions. Blocking PayPal is not helpful. It is the merchant who is the issue. Interest rates not that great. And stop overdrawing my account! I have been a customer for years and compared to other major banks, I prefer NAB. The other unfortunate thing, is local banks - they keep closing them making it harder to go in person to sort stuff out. When hubby died 2020, they were very good to me, local branch.

Appalling customer service that can't even verify details or get basic systems to send a SMS to verify identity.
Extremely unhelpful staff that can't complete a simple request such as emailing a bank statement. Then required to call back again only to demand to verify all the information again. To get a simple bank statement takes 3-5 business days!! I never signed up with NAB but it occurred when they took over Citibank. I would highly recommend never using them as a bank. Appalling systems and customer service procedures with people who don't know their right hand from a rock.

Great service and excellent quality service