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Review summary

Created with AI, based on recent reviews

Looking at 146 reviews, most reviewers were let down by their experience overall. Many people found the customer service appalling and unhelpful, often struggling to reach a human or experiencing long wait times. Reviewers also reported significant issues with their accounts, including unexpected charges, declined cards, and money being held or accounts blocked without clear reasons. People expressed frustration with the bank's overall service, describing it as difficult to deal with and incompetent, leading many to consider changing banks. Customers often found contact numbers hard to locate, experienced dropped calls, or faced situations where staff couldn't provide necessary information or resolve basic requests. Some users had their accounts closed without notice or faced demands to prove identity under tight deadlines, threatening account suspension.

What people talk about most

Customer service

Reviewers highlight negative aspects of customer service, with many expressing deep dissatisfaction and... See more

Payment

Customers consistently note negative experiences with payment, frequently reporting unexpected transactions... See more

Service

Customers had negative experiences with service, often describing it as appalling, unhelpful, and... See more

Staff

Users describe negative interactions with staff, often citing unhelpful and incompetent employees who... See more

Customer communications

Clients share negative opinions on contact, with many expressing frustration over the difficulty of reaching... See more

Reviews shaping this summary

Rated 1 out of 5 stars

Wanted a replacement credit card as old one became somewhat ragged . Contacted NAB by phone , no problem replacement card on the way , should be 5 days . Buy petrol on the way to airport , card... See more

Rated 1 out of 5 stars

Report a dispute via phone conversation. No resolution. Upgrade to a fraud case, and another phone conversation, ni interest in the evidence to prove fraud. Just question about why I made the payment.... See more

Rated 1 out of 5 stars

I signed up for a platinum rewards card last year, but the only "reward" I’ve received is a painful experience. I called last year to add the Quantas frequency flyer number, which has not been linked.... See more

Rated 1 out of 5 stars

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... See more


Company details

  1. Insurance Agency
  2. Bank
  3. Financial Consultant
  4. Financial Institution
  5. Money Transfer Service
  6. Non-Bank Financial Service

Information provided by various external sources

National Australia Bank is an international financial services group providing a comprehensive and integrated range of financial services across four continents and 15 countries.


Contact info

1.5

Bad

TrustScore 1.5 out of 5

524 reviews

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No history of asking for reviews

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1.5

All reviews

(524)

142 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

I worked at NAB and they have the worst…

I worked at NAB and they have the worst culture to exist, the regional manager toni and the managers overall are the fakest worst people in the world they will screw you over and make your life a living hell. This place is filled with nepotism and if you’re not kissing their rear ends, you will not succeed.

8 October 2025
Unprompted review
Rated 1 out of 5 stars

leaving NAB due to bad customer service

Cannot believe that after 20 years of banking with NAB bank they ask me to prove who I am by a certain date which is not enough time to run around getting JP to sign documents. If not done by a certain date they will suspend my account how dare you that is my money not yours you bunch of A holes
Taking my money elsewhere where it will be appreciated and I am treated as a human not a number

30 September 2025
Unprompted review
Rated 1 out of 5 stars

tried to pay someone account blocked

tried to pay someone account blocked. no matter what you say anytime you try to pay on internet banking they say it is a scam .They are the scammers, Staff very rude on phone wont let you speak and when you do they hang up. just dictators. stop and think what it be like without cash

26 September 2025
Unprompted review
Rated 1 out of 5 stars

Dreadfull customer relations

I have been trying to withdraw some money for over a week and they keep blocking it,I am overseas and trying to speak with a real person is very frustrating, one call cost me £130. only to drop out and achieve nothing , spoke to them again ,they did all the checks so they now its me but I still have to wait 5 working days before they decide if I can withdraw my own money, totaly disgusted with them I have never come across this sort of treatment before.

24 September 2025
Unprompted review
Rated 1 out of 5 stars

Terrible bank with no compassionate consideration

Terrible BANK!

Recently changed banks as I am having issues with my OSHC consistently taking money from my account despite being in a positive. Account has been flagged twice for suspicious or fraudulent behavior. Since when has changing banks ever been considered suspicious or fraudulent?

Phone service rep couldn't care less if your locked out of your accounts with no way to access money to buy food for yourself and kid, and no way to get into the bank. Wouldn't even discuss why my bank accounts are locked.

24 September 2025
Unprompted review
Rated 1 out of 5 stars

worst coustomer service, for no reason u can find that u got no access to ur account and ur own money

The worst experience with coustomer service is had with nab,
Last night my account was blocked at night and I had no cash a nd couldn't pay for my petrol , I was stuck without money and today I was talking to the manager in the bank and the reason was I didn't update my id, which I already did 3 times in 2 different branchs which they didn't scan it .
im waiting to just open another account and will never deal with them again.

23 September 2025
Unprompted review
Rated 1 out of 5 stars

Withdraw my money from branch

I wanted to withdraw my money from the NAB sunnybank plaza branch from my account and the manager Kyle refused. Such a horrible service. I will make sure to close my accounts and never bank with NAB again.

23 September 2025
Unprompted review
Rated 1 out of 5 stars

My husband and I have been NAB…

My husband and I have been NAB customers for years. What is going on with major banks. There is no such thing as customer service and as to what they are doing with our money nobody knows. We recently sold a car and the purchaser transferred the money from another major bank $7000. Their bank released the money to NAB immediately but NAB held onto the money before putting it into our account for three days..... What were they doing with it. The purchaser was stressed out! We were worried as we couldnt let go of the car until the money was in our account. So disappointed. Com'on big banks stop thinking about your profits and give a little customer service. The salt into the wound was when I tried to call the message was to go onto the app and talk to AI bot.....

17 September 2025
Unprompted review
Rated 1 out of 5 stars

People don’t matter

We had to open a nab account because we are building a home with Coral homes. We went to two branches which were closed. It seems that there is only one branch for most of the Sunshine Coast at Maroochydore. Arrived very frustrated but not rude. Only to be confronted with a very rude girl. I would never bank with NAB but we have to on this occasion till our new home is complete. Luckily the gentleman Hayden who opened our account was lovely

12 September 2025
Unprompted review
Rated 1 out of 5 stars

I’m very disappointed with NAB’s…

I’m very disappointed with NAB’s decision to decline my personal loan application. Despite being a loyal customer for over seven years with a home loan, never missing a single repayment, having a very high credit score, and the added stability of my wife’s permanent employment, NAB refused to support me with a modest loan request.

This experience has left me feeling that NAB does not value loyal customers or take individual circumstances into account. Instead, the process feels rigid and unsupportive, especially when customers need the bank’s help the most.

After many years of trust and commitment to NAB, I expected better support. This decision has made me seriously reconsider my relationship with the bank.

10 September 2025
Unprompted review
Rated 5 out of 5 stars

My card was blocked for 24 hrs due to a…

My card was blocked for 24 hrs due to a fraudulent transaction. While new card was being sent, NAB customer support guided me through the setup step by step of Apple Pay so I could continue using my account to pay for essentials, groceries, fuel, expenses etc. Excellent customer service from NAB. Much appreciated.

8 September 2025
Unprompted review
Rated 1 out of 5 stars

They cancelled my debit card when i…

They cancelled my debit card when i asked them to look at a suspect withdrawel. Now i have no cash, they tell me to go to my local brach which they closed. After over 40 years with this bank, its time to move on. They just dont care about their depositer.

25 August 2025
Unprompted review
Rated 1 out of 5 stars

This bank is the worst of the worst

This bank is the worst of the worst. I have extensive experience with them over a 20 year period. I can't seem to get away from them. Long story why... They seem to stuff up almost everything they touch. Their tech is outdated and clunky. Their systems don't connect with each other. How many times do I have to GRRRRR tell them I've moved address. "Oh, sorry yeh your address was changed on that system, not this other one". GRRRRR. So 30 mins on a call I didn't want to have to make on my Saturday. Oh, and the direct debit form I filled out 6 months ago to have my credit card paid off each month from another bank went missing. Of course it did. I refuse to go into the branch again to sort this out. So now I have to fill in another form and send it off. Their customer service people are annoying. They are bottom of the barrell intelliect. They say things like "too easy". Who says that? They make mouth noises when their brain is thinking. So ooo annoying. And they like to talk over the top of you as if they know what you're about to explain. At least they are Australian. At least that! GRRR. I hold some of my accounts with Macquarie and they ARE AWESOME. Unforuntely they do not offer credit cards yet so am stuck with NAB. Actually this is the last straw -- got to find another bank for my credit cards. Can't take them a minute longer.

16 August 2025
Unprompted review
Rated 1 out of 5 stars

Just don’t bank with them. Trust me!

If I could give less than 1 star I would.
They left me stranded overseas after blocking my card and not telling me, after I already told them each country I was going to.
It was my very first purchase they blocked. Then I had to spend the next 10 DAYS of my holiday back and forth with them pleading to get them to unblock it. Repeating myself and when they would reply it wasn’t even to make any further steps in unblocking my card.
Since returning home they have replied to my complaint with an AI written ‘don’t care, suck it up, sucks to be you, just because you tell us you’re going to Canada and make a purchase in Canada on the date you said you would arrive doesn’t mean that really was you!’ of a response. No compensation, no care factor at all.

Trying to leave this bank IMMEDIATELY as a previous holiday they did the same thing.

Just don’t bank with them at all.

11 July 2025
Unprompted review
Rated 1 out of 5 stars

I have been dealing with Danny De Leo…

I have been dealing with Danny De Leo (Home Lending Specialist), who has provided false and misleading advice regarding my Choice package. Despite multiple requests across three separate emails, he has also refused to provide his manager’s contact details.

13 August 2025
Unprompted review
Rated 1 out of 5 stars

Extremely disappointed that NAB adopt…

Extremely disappointed that NAB adopt the policy of delaying interest rate relief to customers. Demonstrates a complete lack of focus on their customers & priority of maximising profit. I will be looking to move my house mortgage as soon as practical - very poor.

12 August 2025
Unprompted review
Rated 1 out of 5 stars

They closed my account without telling…

They closed my account without telling me as it had all history of my payments to my employees. Very disappointing once on the phone they kept dropping on the call never got backck to me. I need that history for accounting purposes.
I am nab client and had 4 accouts now down to 3 . The most important account is closed. Happy to discuss and lift this review if they can contact me.

18 July 2025
Unprompted review
Rated 5 out of 5 stars

Josephine at the Smithfield

Josephine at the Smithfield, Cairns branch is a shining example of good customer service. I was so annoyed with the run around with Internet banking and the 13 number staff. I was very stressed but Josephine resolved the issue very quickly and in a cheerful and professional manner. NAB needs more like her. I have never had any issues with staff at this branch.

1 August 2025
Unprompted review
Rated 1 out of 5 stars

Pure greed

Pure greed! Wasting significant amounts of time waiting for a chat response (currently at 40 minutes) and then long hold times (35 minutes) on the phone, and then being referred to a branch. 7 billion dollars of profit last financial year, spend more on staff! A small business wouldn't survive with this level of service and I am going to move to another bank as soon as possible. [update] moved bank!

18 July 2025
Unprompted review
Rated 1 out of 5 stars

Pathetically slow NAB Chatbot

Pathetically slow NAB Chatbot
I was trying to increase my daily limit which they want to do through chatbot.
Chatbot says "Please note this is not a live chat and at times you may experience a short delay between responses." I am waiting for 30 minutes to change the limit.

17 July 2025
Unprompted review

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