NAB Reviews 

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

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!