based on 15 86 400 banking product reviews as rated by Mozo community

86 400 bank accounts

86 400 offers the following bank accounts

Rates and fees verified as correct at 22 October, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Account fee Payment options Interest rate
Pay Account

$0.00

Apple Pay, Google Pay, PayID, Samsung Pay, Fitbit Pay, Garmin Pay

0% p.a.

How are 86 400 bank accounts rated?

Mozo users have rated 86 400 bank accounts on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of bank-accounts
86 400 bank accounts
Overall
Price
Features
Customer service
Convenience
Trust

10 Reviews

Recent 86 400 bank account reviews

86 400 Pay Account
Overall 1/10
Bad service

It’s very disappointing to confirmation of account details from a bank you have never spoken to. I called at 11.07 am today 20/8/2021 was on hold for 28 mins to find out someone was applying for a loan in my account. They asked me for my number in case they lost the call, I gave it to them and got no call back. I call back and 29 mins later I get through. Speak to a guy who knows how to aggravate someone by not answering questions when asked. In total I have spent 1 hour and 20 mins to be rudely hung up on because someone is fraudulently using my name to get a loan from the bank. If someone doesn’t return my call by 5 pm today 20/8/21.

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It’s very disappointing to confirmation of account details from a bank you have never spoken to. I called at 11.07 am today 20/8/2021 was on hold for 28 mins to find out someone was applying for a loan in my account. They asked me for my number in case they lost the call, I gave it to them and got no call back. I call back and 29 mins later I get through. Speak to a guy who knows how to aggravate someone by not answering questions when asked. In total I have spent 1 hour and 20 mins to be rudely hung up on because someone is fraudulently using my name to get a loan from the bank. If someone doesn’t return my call by 5 pm today 20/8/21.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Stephen, New South Wales, reviewed about 2 months ago
86 400 Pay Account
Overall 9/10
86400 is a great online bank.

86400 is a great online bank. My only complaint is when you need customer service In Perth l and the call centre in Sydney is closed.

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86400 is a great online bank. My only complaint is when you need customer service In Perth l and the call centre in Sydney is closed.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Kristen, Western Australia, reviewed 4 months ago
86 400 Pay Account
Overall 9/10
Best Neobank on the market today.

Using 86 400 was an experiment for me as I had never used a neobank. The user interface was a bit confusing to start with but I started to get the hang of it. The interest rate of 1.2% at the time of writing this is the best in the market and the use of OSKO for real time transfer is amazing. There were limits to the amount of money I could pay out of the account which was annoying but I think they increased the limits by a bit. One other con of 86 400 is they only allow you to earn the 1.2% up to $50K per account (max of 3 accounts) which is annoying and probably done to inflate their numbers of new accounts IMO. Other than that, it's been great to use and better than Up and Volt.

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Using 86 400 was an experiment for me as I had never used a neobank. The user interface was a bit confusing to start with but I started to get the hang of it. The interest rate of 1.2% at the time of writing this is the best in the market and the use of OSKO for real time transfer is amazing. There were limits to the amount of money I could pay out of the account which was annoying but I think they increased the limits by a bit. One other con of 86 400 is they only allow you to earn the 1.2% up to $50K per account (max of 3 accounts) which is annoying and probably done to inflate their numbers of new accounts IMO. Other than that, it's been great to use and better than Up and Volt.

Price
9/10
Features
7/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Kenny, New South Wales, reviewed 6 months ago
86 400 Pay Account
Overall 10/10
Simple, easy.

The app is easy to use and I can view all my bank accounts from the one app. It offers instant payment and very easy to navigate. I would recommend this to anyone with a smart phone.

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The app is easy to use and I can view all my bank accounts from the one app. It offers instant payment and very easy to navigate. I would recommend this to anyone with a smart phone.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Melanie, Queensland, reviewed 9 months ago

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