RATE & REVIEW

More than 100,000 Australians have reviewed their finance provider on Mozo and we're adding more reviews every day. Browse reviews of banks, insurers, lenders and more to see who customers are rating and hating and join the conversation to help others find a better deal.

Find top rated banks and insurers

Popular review categories:

Search reviews by:

Recent reviews that stand out from the crowd

  • Commonwealth Bank

    Commonwealth Bank debit card review

    Excellent customer service.

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    When I first signed up to the Commonwealth Bank 10 years ago I felt their customer service skills were terrible. I can remember walking into a branch 5 years ago and walking out feeling upset and angry. Last year I needed to organise a travel card...  Full review 

    When I first signed up to the Commonwealth Bank 10 years ago I felt their customer service skills were terrible. I can remember walking into a branch 5 years ago and walking out feeling upset and angry. Last year I needed to organise a travel card, money and a loan before I went overseas to Bali. I hesitantly walked into the Hawthorn branch and was pleasantly surprised. Upon arrival I was approached and asked what I needed then I was shown to the correct area. That week I came in contact with three employees at the branch and another when I returned from Bali. They were all extremely helpful and took the time I needed to explain the travel card and the loan. Not only this but I was given travel advice and the names of some great restaurants I should visit! I left the branch feeling satisfied, walking away from a service that I actually thought cared. Needless to say I was very impressed with the level of service I received at that time.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank debit card reviewed by Elizabeth from Victoria

    Was this review helpful? Yes flag

  • Macquarie

    Macquarie credit card review

    Competitive rates, poor service.

    1. Overall customer rating
    2. (Reviewed 4 days ago)

    I had 11 unauthorized transactions made on this account. When I called the number to advise the provider of the problem, the person I eventually spoke to was helpful. However none of what he said he would do has happened a week later. When I call ...  Full review 

    I had 11 unauthorized transactions made on this account. When I called the number to advise the provider of the problem, the person I eventually spoke to was helpful. However none of what he said he would do has happened a week later. When I call this number again, all I get is put on hold and no help! Who else can I report to?


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Macquarie Visa Platinum Card credit card reviewed by Max from Western Australia

    Was this review helpful? Yes flag

  • Newcastle Permanent

    Newcastle Permanent savings account review

    Excellent service!

    1. Overall customer rating
    2. (Reviewed 5 days ago)

    I have been with this building society for over 20 years. The staff are lovely, and very helpful. Internet banking has made banking very easy and efficient. Newcastle Permanent helped me to make this process very simple. Happy to continue with thi...  Full review 

    I have been with this building society for over 20 years. The staff are lovely, and very helpful. Internet banking has made banking very easy and efficient. Newcastle Permanent helped me to make this process very simple. Happy to continue with this service.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Newcastle Permanent Rapid Saver Account savings account reviewed by Kristy from New South Wales

    Was this review helpful? Yes flag

  • Australia Post

    Australia Post travel insurance review

    Exceptional value for money & easy to purchase

    1. Overall customer rating
    2. (Reviewed 11 days ago)

    It was easy to purchase and staff at Australia Post Leongatha very helpful when I asked some questions. Booklet that came with it was easy to read and the card was easy to store compared to other ones that give you heaps of paperwork. Went on a c...  Full review 

    It was easy to purchase and staff at Australia Post Leongatha very helpful when I asked some questions. Booklet that came with it was easy to read and the card was easy to store compared to other ones that give you heaps of paperwork. Went on a cruise and someone had to be airlifted off at a great expense. Was not specifically listed but came home to find out that this was covered and for only $5 per day. Covered all the things that we thought we may need.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Australia Post Comprehensive travel insurance reviewed by Sue from Victoria

    Was this review helpful? Yes flag

  • ING DIRECT

    ING DIRECT home loan review

    Well worth the switch

    1. Overall customer rating
    2. (Reviewed 12 days ago)

    Switching from NAB to ING Direct was a great decision. It is not every day that you are happy with a decision- securing a loan with ING Direct about eight months ago was undoubtedly one of those. I had heard great things about ING Direct from f...  Full review 

    Switching from NAB to ING Direct was a great decision. It is not every day that you are happy with a decision- securing a loan with ING Direct about eight months ago was undoubtedly one of those. I had heard great things about ING Direct from friends but was not entirely convinced until I looked into it further. Perhaps, I was a bit conservative having always previously banked with one of the 'big four'. AS a NAB customer I had negotiated hard to try and get the best possible rate once when my previous fixed loan period ended. While providing me with an additional customer discount on a NAB choices loan, it was still not good enough to compete with ING even after factoring in switching costs. In summary, I had been looking for a split 3-4 year fixed term and variable loan. I wanted maintain a mortgage offset account and capacity for redraw. This was all possible with ING Direct with an additional leveraged discount if you had 20% equity in your property. The application process was fine, although getting some of the documents certified was a pain as the person certifying the documents had to write in a bit more information than normal. Apart from this minor quibble the process was fine. Everything was approved in a timely way and we were set. As we were on a $400 NAB choices package we had a rewards credit card included valued at $199- we also had an additional card with this to try and earn additional points. On average though over the 5 years with NAB we probably accrued about $200 worth of value per year so there was no real net gain. As indicated the NAB choices discount loan prices, even with a small additional customer discount, were higher than what I received from NAB. As ING does not offer credit cards, I found an alternative HSBC Platinum card with rewards for zero fees which I use for bills, obtaining $100 in rewards over 8 months. Apart from rates, key benefits of ING include free ATM access- I had underestimated this as a benefit but it is really convenient, none of of this having to find a NAB ATM which was then out of operation. Also, surprisingly the 2% rebate on pay wave does start to add up over time which is a pleasant change to it going the other way. With no bank outlets, I had some doubt as to how customer service would work out. However, this has proved to be an unfounded concern- this customer service has been smooth and helpful. Previously trying to negotiate with NAB was a case of being referred all over the place and taking weeks to get a reply from the local branch when I was trying to negotiate a better rate. Given the reliance on internet banking with ING, their internet banking works a treat and their Ipad app is great to use. After having loans of different descriptions with the Commonwealth, ANZ and NAB, I am more than happy to recommend ING Direct without reservation.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ING DIRECT Orange Advantage home loan reviewed by Chris from Victoria

    1 person found this review helpful – do you? Yes flag

  • RACWA

    RACWA home insurance review

    I felt they thought of my personal safety

    1. Overall customer rating
    2. (Reviewed 12 days ago)

    My house was recently broken into with a window smashed. They quickly organised a repair person and were concerned that I was by myself and feeling insecure. They offered to stay on the line with me until help arrived.  Full review 

    My house was recently broken into with a window smashed. They quickly organised a repair person and were concerned that I was by myself and feeling insecure. They offered to stay on the line with me until help arrived.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    RACWA home insurance review by Rowena from Western Australia

    Was this review helpful? Yes flag

  • RACWA

    RACWA car insurance review

    Competitive premiums, discounts & great service

    1. Overall customer rating
    2. (Reviewed 12 days ago)

    Their pricing is very competitive & we get a discount for being members of roadside assistance & extra discount for having other insurance with them like home/contents. Claims are handled promptly & lodged online. Staff easy to talk to & very hel...  Full review 

    Their pricing is very competitive & we get a discount for being members of roadside assistance & extra discount for having other insurance with them like home/contents. Claims are handled promptly & lodged online. Staff easy to talk to & very helpful on the phone. Sometimes takes a while for a call to go through but they will call you back if you leave your number. There are added discounts with associated companies with your membership.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    RACWA car insurance reviewed by Carleen from Western Australia

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank personal loan review

    Digging out of Debt

    1. Overall customer rating
    2. (Reviewed about 2 months ago)

    Due to supporting my spouse for the last 2 years on a below average income, I had accrued a moderate amount of debt with different institutions. We have made mistakes and now that my spouse is working we decided it was to to get back on track. ...  Full review 

    Due to supporting my spouse for the last 2 years on a below average income, I had accrued a moderate amount of debt with different institutions. We have made mistakes and now that my spouse is working we decided it was to to get back on track. After speaking to Commonwealth Bank about our finances they convinced us we could save money on a Personal loan and depending on our application could save money consolidating. What a mistake, without providing an upfront rate until we were about to sign the paper work. Now we are paying 17.40% where we were previously paying a total of about 12% and the total repayments have increased by $100 per month. Speak to independent financial councillor before consolidating debt, it doesn't always work out cheaper. Overall the product is poor but the services and customer service is great (and their sales staff are very persuasive). No hard feelings, just beware.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank Unsecured Personal Loan personal loan reviewed by Zachary from Queensland

    Was this review helpful? Yes flag

  • NAB

    NAB bank account review

    Competitive banking made easy with NAB

    1. Overall customer rating
    2. (Reviewed about 2 months ago)

    My past experience with personal banking included exuberant fees, time consuming and far from hassle free access to my funds. National Australia Bank can only be described as a breath of fresh air. I am able to transfer funds freely, access my mon...  Full review 

    My past experience with personal banking included exuberant fees, time consuming and far from hassle free access to my funds. National Australia Bank can only be described as a breath of fresh air. I am able to transfer funds freely, access my money without concern that my account will be depleted with transaction fees, and most importantly convenient access. The customer service is always prompt, extremely friendly and helpful. I was recently withdrawing funds for a new car and was offered, with no pressure for assistance in setting up insurance for my new car. I can only recommend them at this time!


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB Classic Banking Account bank account reviewed by Natasha from Queensland

    5 people found this review helpful – do you? Yes flag

  • Heritage Bank

    Heritage Bank term deposit review

    Easy access to funds & service

    1. Overall customer rating
    2. (Reviewed 2 months ago)

    They made it easy to break the deposit when we needed to access these funds in an emergency & didn't make us feel like it was a bad thing to access our money like other providers have. They're always happy to help & made you feel like they appreci...  Full review 

    They made it easy to break the deposit when we needed to access these funds in an emergency & didn't make us feel like it was a bad thing to access our money like other providers have. They're always happy to help & made you feel like they appreciate that the service they offered was there for your benefit, not for them to make money off us. Really really appreciated this.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Heritage Bank Term Deposit reviewed by Maria from Queensland

    Was this review helpful? Yes flag

  • St.George

    St.George car loan review

    Frightening and medieval car loan

    1. Overall customer rating
    2. (Reviewed 3 months ago)

    The St George car loans taken out through car dealers are woeful. Even the car salesman said 'if you want to check your loan balance - go through us, it easier'. Hardly a ringing endorsement. You are given no log in for an online account, sent no ...  Full review 

    The St George car loans taken out through car dealers are woeful. Even the car salesman said 'if you want to check your loan balance - go through us, it easier'. Hardly a ringing endorsement. You are given no log in for an online account, sent no paperwork by the bank and generally kept in the dark. Here's the best bit...if you don't pay out the loan before a certain date you are liable for an exorbitant pay out fee. And when you do pay it out you have to demand a pay out acknowledgement! Like St George himself, this loan belongs in the Dark Ages. Avoid like the plague.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    St.George Car Loan car loan reviewed by Stephen from Queensland

    1 person found this review helpful – do you? Yes flag

  • OnePath

    OnePath life insurance review

    Great features, services and product

    1. Overall customer rating
    2. (Reviewed about 1 year ago)

    Very thorough and well catered for superannuation fund in terms of the services offered. A great feature offered by OnePath is multiple contributions where there is a range of parties that can contribute to the fun, by either BPay or internet ban...  Full review 

    Very thorough and well catered for superannuation fund in terms of the services offered. A great feature offered by OnePath is multiple contributions where there is a range of parties that can contribute to the fun, by either BPay or internet banking. Parties that can contribute to your OnePath fund can either be yourself in which one can contribute voluntarily, spouse or self employment, each, with its own referenced numbers. In addition, the employer can contribute to your fund with superannuation guarantee, salary sacrifices and employer additional contributions. The range of sub categories of OnePath superannuation fund provides these great features and much more.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    OnePath life insurance review by Vivian from New South Wales

    Was this review helpful? Yes flag

Rated & Slated - best and worst revealed

  • thumbs up 8.0
    ANZ debit card review by Jodie from Western Australia

    I love the Go Money app!! Makes keeping track of your money simple. They have the fastest transfer times for inter-bank transfers that I have experienced and every time I have gone into a branch I have been met with a smile :-)

    Reviewed 4 days ago

  • thumbs up 5.0
    NRMA QLD car insurance review by Trent from Queensland

    After the 2014 hail storms, they have not been overly supportive of our claims. My partner's car was later written off via a T-bone accident and her excess was charged twice covering each claim separately. They also lacked follow through and took days of chasing to action the claim and get the car assessed.

    Reviewed 11 days ago

Mozo gives you the inside story on the best banking and insurance products as rated by thousands of real customers around Australia.

We don't make subjective judgments, nor do advertisers influence our ratings.

Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.