Rate & Review

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

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Experts choice awards hero 2015

Experts Choice Awards 2015

Which products offer the best value according to Mozo's money experts? Check out the winning home loans, credit cards, travel insurance, personal loans and more.

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peoples choice award

People's Choice Award 2015

Forget industry awards where banks scratch each other's backs. Mozo presents the People's Choice Awards, based on more than 10,000 real customer reviews.

Check out the winners

Recent reviews that stand out from the crowd

Victoria Teachers Mutual Bank

Victoria Teachers Mutual Bank home loan review

Overall rating   10 / 10

The best customer service I have experienced

Victoria Teachers Mutual Bank have been my banking provider for over 20 years. From the very start they were friendly, easy to talk to and very approachable. When I had dealings with them in regards to my home loan I dealt with the same person...
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Victoria Teachers Mutual Bank have been my banking provider for over 20 years. From the very start they were friendly, easy to talk to and very approachable. When I had dealings with them in regards to my home loan I dealt with the same person over the period of time completing the paperwork. Excellent advice was forthcoming in regards to consolidating all my loans which enabled me to get my finances in order and I am now able to make ends meet as well as saving for my retirement. I would not bank with anyone else.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Majella (VIC), reviewed 3 days ago

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Red Energy

Red Energy electricity review

Overall rating   6 / 10

Plenty of options and competitively priced

Their customer service has always been good, friendly and I've never been put on hold for more than five minutes but I find their prices are a little high. Although there's not a lot I can do about that as their 'high price' is still cheaper than...
Full review

Their customer service has always been good, friendly and I've never been put on hold for more than five minutes but I find their prices are a little high. Although there's not a lot I can do about that as their 'high price' is still cheaper than other companies. I appreciate having electricity that rarely goes out, though. Pros: good customer service, reliable energy, very competitive rates, lots of different plans for different people. Cons: still expensive in the big picture

    Price   4 / 10

    Features   / 10

    Customer service   8 / 10

    Convenience   / 10

    Trust   / 10

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Lara (VIC), reviewed 3 days ago

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BankSA

BankSA Express Freedom Account bank account review

Overall rating   8 / 10

Fantastic service, unfortunate fees

Good that there is no monthly fee although fees for going under $0 on your account are quite steep and I believe shouldn't be present unless you go more than $150 under $0. The fees randomly taken for accounting shock me too. I will think I have a...
Full review

Good that there is no monthly fee although fees for going under $0 on your account are quite steep and I believe shouldn't be present unless you go more than $150 under $0. The fees randomly taken for accounting shock me too. I will think I have a certain amount in my account only to find 30c was taken from bankSA and I am left short without warning. Very good customer service and friendly, efficient team. Savings accounts are very good and the ability to have numerous accounts without a fee is a great feature.

    Price   7 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Kim (SA), reviewed 3 days ago

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Commonwealth Bank

Commonwealth Bank NetBank Saver savings account review

Overall rating   10 / 10

Amazing, dedicated staff

As a kid I was a Commonwealth Bank member and parents decided to bank at another bank and swapped my accounts over. However, recently I went into Commonwealth to open up a new Savings account and I was pleased on every matter, the initial customer...
Full review

As a kid I was a Commonwealth Bank member and parents decided to bank at another bank and swapped my accounts over. However, recently I went into Commonwealth to open up a new Savings account and I was pleased on every matter, the initial customer service, to waiting and being greeted by all staff as they walked past and then welcomed by the branch manager who completed the setting up of my new account. Received my bank card in the mail the next day and was a very happy customer; would highly recommend. The CommBank app on iPhone is extremely easy to use and if unsure the staff at the branch were more than happy to help out, and again I was extremely satisfied

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Trent (VIC), reviewed 11 days ago

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NAB

NAB debit card review

Overall rating   6 / 10

It's one of the big four so my funds are safer?

Accessing term deposits is made difficult should you need to before the account matures. They are terrible with deposits made to hotels as they take forever to release the funds. However staff in branches are very friendly but seem to be...
Full review

Accessing term deposits is made difficult should you need to before the account matures. They are terrible with deposits made to hotels as they take forever to release the funds. However staff in branches are very friendly but seem to be constrained by so many restrictive procedures.

    Price   2 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   2 / 10

    Trust   7 / 10

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Paul (NSW), reviewed 11 days ago

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Westpac

Westpac Car Loan (Fixed) car loan review

Overall rating   8 / 10

Brilliant customer service in tough times.

Competitive rates, impeccable customer service, massively helpful when going through financial hardship, really went a long way to help me out.
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Competitive rates, impeccable customer service, massively helpful when going through financial hardship, really went a long way to help me out.

    Price   6 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   7 / 10

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Joshua (WA), reviewed about 2 months ago

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St.George

St.George term deposit review

Overall rating   3 / 10

Customer service confusing and not always correct

St George was our bank of choice for our accounts in particular our term investment now called incentive saver. All accounts with the exception of the incentive saver were in both names. The incentive saver account was taken out when I was ill...
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St George was our bank of choice for our accounts in particular our term investment now called incentive saver. All accounts with the exception of the incentive saver were in both names. The incentive saver account was taken out when I was ill with breast cancer and long term reconstruction. This account was in my husbands name. When my husband passed away 4 months ago St George froze that account. They wanted me to go through probate. My husband and myself were inseparable and were married 51 years. I was his carer and the only beneficiary of his will. What I had to go through to have that money put in my name was intolerable emotionally and physically. I had to contact my solicitor and do a paper trail to show that this money also belonged to me. Thankfully my solicitor was very helpful and provided what I needed. It was not an easy road grieving the loss of my beautiful husband and having to fight to get my own money. I was told many things that were not true like its the law, any amount over 75 thousand in one name has to go through probate, this was later changed to 50 thousand. I was also told there had to be dire circumstances for them to waive probate. I asked what he sees dire circumstances were, however not one person could tell me. No wonder. Was confused and upset. I decided to fight, it was the fight or flight syndrome. I eventually won the battle but not without a personal tell. My husband would have been appalled.

    Price   6 / 10

    Features   4 / 10

    Customer service   2 / 10

    Convenience   5 / 10

    Trust   2 / 10

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Dianne (NSW), reviewed 2 months ago

2 people found this review helpful – do you? Yes

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Cover-More Travel Insurance

Cover-More Travel Insurance travel insurance review

Overall rating   4 / 10

Good premiums but claims are not resolved.

I was able, after getting a quote from another company, to have them match the quote and add an international sim to the deal. The price for the insurance was very good and not needlessly expensive, with all the basics covered. The only problem...
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I was able, after getting a quote from another company, to have them match the quote and add an international sim to the deal. The price for the insurance was very good and not needlessly expensive, with all the basics covered. The only problem came when trying to claim. I was travelling in a country that did not have the best internet access or wifi and attempting to contact the agency about various issues that arose was not worth the effort that had to be taken and the hoops that you had to jump through for what should have been a very simple problem to fix. Also, forged money is not considered a problem and therefore is not part of the policy.

    Price   9 / 10

    Features   -1 / 10

    Customer service   -1 / 10

    Convenience   -1 / 10

    Trust   1 / 10

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Julie (QLD), reviewed 3 months ago

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Commonwealth Bank

Commonwealth Bank Unsecured Personal Loan (Variable) personal loan review

Overall rating   9 / 10

Great service, friendly, offering good advice.

I liked the service and product I was offered, there was easy to understand answers to any questions regarding rates, redraws and payment options.
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I liked the service and product I was offered, there was easy to understand answers to any questions regarding rates, redraws and payment options.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   7 / 10

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Kevin (SA), reviewed 3 months ago

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SGIO

SGIO Home Insurance home insurance review

Overall rating   9 / 10

Outstanding customer service, setting the example

They may be a little more expensive, accidental damage, personal property out of the home and motor burn out etc are optional extras. However the customer service is second to none. They can't help you enough. Businesses could learn a lot from...
Full review

They may be a little more expensive, accidental damage, personal property out of the home and motor burn out etc are optional extras. However the customer service is second to none. They can't help you enough. Businesses could learn a lot from SGIO on how and what customer relations and service is. Call centre is in Australia, which is a major plus for myself (total onshore operation).

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Shayene (WA), reviewed 2 months ago

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American Express

American Express Qantas Discovery Card credit card review

Overall rating   9 / 10

They make me actually feel like a valued customer.

I've been an AMEX customer for a long time and have both a credit and charge card with them. The best thing about AMEX is that they don't operate like other banks. For example, I accidentally paid another card I had with them that had a zero...
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I've been an AMEX customer for a long time and have both a credit and charge card with them. The best thing about AMEX is that they don't operate like other banks. For example, I accidentally paid another card I had with them that had a zero balance by mistake which meant I missed the payment date for current card. Instead of slapping me with a missed payment charge, they called me to check everything was OK and then saw what I had done and transferred that balance to the card I was supposed to pay.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Mike (NSW), reviewed about 1 month ago

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Origin Energy

Origin Energy gas review

Overall rating   9 / 10

Excellent service and easy, speedy set up

I like Origin gas as we have built a new house and have never had gas before and they made the set up and delivery of the gas very quick and easy. We had it set up and delivered in days of ringing. The delivery driver also put a chain over our gas...
Full review

I like Origin gas as we have built a new house and have never had gas before and they made the set up and delivery of the gas very quick and easy. We had it set up and delivered in days of ringing. The delivery driver also put a chain over our gas bottles which was extremely handy, and saved us doing it. At the moment I don't have any issues with price/premiums as we have only just started with our plan, and I feel they seem pretty reasonable. I was, however, frustrated that we got sent out approximately 3 or 4 separate bills, over the course of a month, for the set up, and cost of plan/gas etc. It would have been nicer and simpler to get 1 itemised bill with a total. It was very confusing to remember what we had paid for and what we still had to pay for. It felt like we were paying for set up fees several times, but they were all different amounts and for different reasons. We have yet to arrange for a new delivery as we were still on our first lot of gas but when we do I hope it's as easy to arrange as the initial set up was, hopefully minus all the separate bills.

    Price   7 / 10

    Features   / 10

    Customer service   9 / 10

    Convenience   / 10

    Trust   / 10

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Jennifer (QLD), reviewed about 1 month ago

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GIO

GIO car insurance review

Overall rating   0 / 10

GIO – Low Ball – Taking advantage because they can

GIO – Low Ball – Taking advantage because they can. My son's car was damaged by a GIO client. There was a police report lodged and the GIO client accepted full responsibility. The damage quoted was $3471. There was no issue with the quote and...
Full review

GIO – Low Ball – Taking advantage because they can. My son's car was damaged by a GIO client. There was a police report lodged and the GIO client accepted full responsibility. The damage quoted was $3471. There was no issue with the quote and it was supplied from a professional repairer. GIO / Suncorp low balled my son and offered $1700. They then changed that to $2200 then to $2550 - only after GIO / Suncorp were continually challenged on their 'Offers' and 'Research'. However it was still low balling and my son was still $921 out of pocket plus other expenses that totalled another $800. GIO refused to pay for total of the damage that their client caused and that was quoted on by the professional repairer. GIO only paid for $2550 instead of the $3471 A TOTAL loss to my son of $921- GIO should be ashamed.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Drwbstr (WA), reviewed about 1 month ago

1 person found this review helpful – do you? Yes

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OnePath

OnePath life insurance review

Overall rating   6 / 10

Great features, services and product

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...
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.

    Price   6 / 10

    Features   -1 / 10

    Customer service   -1 / 10

    Convenience   -1 / 10

    Trust   5 / 10

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Vivian (NSW), reviewed almost 2 years ago

3 people found this review helpful – do you? Yes

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About Mozo Reviews

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

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