RATE & REVIEW

The rewards program is great especially with the bonus American Express card that helps you triple the points you earn. The complimentary Platinum benefits are also a great, whereby you have a 24-hour concierge service, travel insurance and additional warranty just to mention a few. I got the card as part of a package and therefore it is free, making it an ever greater product. If you are interested in the product, but you can't get on the package, it is good to note that there is an annual fee attached to the card.

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I have had this account with St George for about four years now and find it much more convenient than the previous account I had held with St George for over 25 years! I used to have a cheque account but found with technical advances in all areas of banking that this Complete Freedom account was the best for my needs. I use Internet banking for virtually all of my transactions and I check all my accounts daily! I love having a debit card as I can make purchases as a credit option and this eliminates fees as the purchase goes through the Visa network. I am extremely happy with the Complete Freedom Account.

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When it comes to personal loans I think that we could all agree that the banks could do us better rates on interest. Overall the experiences that I have had with the Commonwealth bank has always been good. I find the staff friendly and they were very helpful in the application process, explaining all of the details and conditions clearly. The personal loan was processed quickly, the application took approx 20 minutes and the funds were available the next day!

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ANZ/ESANDA have got together and created a compelling range of attractive finance options for upcoming new customers. As a new customer myself I found this product hassle-free and easy to sign up to, the finance representative had a good knowledge and understanding of the customer's needs and limitations. Everything that concerns the customer is clearly set out by the representative, good reflection on a growing (people's) bank, look forward to seeing more of ANZ's products. I'll even get my home loan through ANZ!

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When we signed up for our home loan, we did it online as this was easiest. However due to this, our local branch has been listed in West Melbourne even though have never lived in Victoria. This makes dealing with our local bank difficult. Everything is automatically sent to West Melbourne, and no bank staff have been able to change this. The staff at our local NAB in Batemans Bay are the friendliest and most helpful I have come across, however as they have not been able to change the branch that we're with we are still left feeling unsatisfied. I would advise people to apply directly through their local branch. We are able to redraw which is good peace of mind even if we haven't done it. We have an offset account which makes us happy that we are saving interest. Online banking works well. The reserve bank announcements are now a source of dissatisfaction. The longer the bank waits the more we feel sceptical. When a good rate cut is passed on we are still left disappointed if it's not the full amount. After a rate cut, we are still required to let the bank know that we want our payments reduced. It would be nice if this was automated as I've lost count how many times we've gone to the bank for this reason. Overall we are satified with the banking features we have. We would be happier if we could change our homeloan branch and if rate cuts were passed on promptly (and even happier if passed on in full).

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Having gone through many different banks and credit unions, I found that NAB offers the best overall everyday bank account. Their internet banking platform looks fantastic and is very easy to use, far more so than any other in my experience. The mobile app is similarly great. Assistance at branches is good, although sometimes you have to wait in line for awhile. Today was my first time calling customer service and I was astounded by how helpful the Australian operator I spoke with was - not to mention the fact I was never put on hold - the whole process took about three minutes. On top of everything, NAB is the only major bank to be completely fee free, with no catches (seriously, I tried to find one). In two years of using my account for all kinds of things, I have never been charged a cent. There are no minimum deposit conditions or anything of the sort. NAB uses the rediATM network, which is very large (you can almost always find one nearby) although, depending on where you are, might not be the very largest network.

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Police and Nurses Mutual Banking have a variety of banking options to suit every family. We have 4 accounts with PNMB, all within the one account. We have an every day account, which we use for general expenses and this is accessed with our debit cards. It has no fees so long as you deposit $500 or more each month, so we simply have our pays directed into this account. We also have a high interest savings account, and it encourages you to save by a clever feature - if you deposit money it accrues interest day by day, but if you touch the money in this account you lose no interest is paid until the next month. We have a budgeting account, where we transfer money weekly for bills, this helps with budgeting so we don't spend what's in our everyday account on the bills, or the bills money on clothes! Finally we have a kids savings account with no fees and high interest for our son. PNMB are always helpful and offer great service. There is a wide range of ATMs and they have partnered with NAB so you have fee free access to those ATMs too. Internet banking is easy and secure. Thoroughly recommend.

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The interest rate was the best at the time but when we informed U Bank a few days before our term expired that we were withdrawing the funds, they said the account did not exist. And when it was eventually found, after several days and persistence on our part they asked for all the paperwork for our Super Fund to be present as they had lost it. This took us another few days and despite our best efforts to retrieve the funds which they promised would be deposited the next day, we have been informed they will not release the money unless we pay a penalty fee as they have rolled it over into another term. They have been collecting interest on this large fund for three weeks and we cannot even get them to return calls. Next stop the Financial Ombudsman. Do not do business with U Bank nor, I suspect should anyone with any online only facility where your only hope of resolution lies in the hands of indifferent call centre reps.

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