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 2018

Experts Choice Awards 2018

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

See the winners
peoples choice award

People's Choice Award 2017

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

Check out the winners

Recent reviews that stand out from the crowd

Bendigo Bank

Bendigo Bank Everyday Account bank account review

Overall rating   8 / 10

Good bank

I love my bank.

Full review

I love my bank.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   8 / 10

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Rebecca (VIC), reviewed 9 days ago

Ergon Energy

Ergon Energy electricity review

Overall rating   2 / 10

Ergon - Our only choice

Ergon is the only option for us in Far North Qld which makes for a pricey. Electricity bill every 3 months, there's no competition for them up here so they can charge whatever they want and we don't receive any special offers or discounts like the...

Full review

Ergon is the only option for us in Far North Qld which makes for a pricey. Electricity bill every 3 months, there's no competition for them up here so they can charge whatever they want and we don't receive any special offers or discounts like the other electricity companies offer.

    Price   0 / 10

    Features   / 10

    Customer service   9 / 10

    Convenience   / 10

    Trust   / 10

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Jasmine (QLD), reviewed 18 days ago

Bankwest

Bankwest home loan review

Overall rating   3 / 10

Watch out for rate increases with this lender!

When we first switched our home loan to Bankwest a couple of years ago, the interest rate they offered us was extremely competitive. However on reviewing our rate against the market earlier this year I was disappointed to find that our Bankwest...

Full review

When we first switched our home loan to Bankwest a couple of years ago, the interest rate they offered us was extremely competitive. However on reviewing our rate against the market earlier this year I was disappointed to find that our Bankwest loan had suddenly become very uncompetitive. Turns out they had not passed through full RBA rate cuts on a couple of occasions, and had also increased our rate by small amounts here and there. We ended up refinancing with another lender to reduce our rate. The final kicker was that one week before our new loan refinance went through we received a letter from Bankwest stating that our interest rate was increasing again! I would be very hesitant to recommend Bankwest after this experience.

    Price   2 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Michael (NSW), reviewed 5 months ago

SocietyOne

SocietyOne personal loan review

Overall rating   8 / 10

Great rates, easy application process

I needed a personal loan to fund some education expenses. I did some online comparison and found SocietyOne's rates to be far cheaper than the banks, so I applied and was pretty happy with the whole process. Good to see someone taking on the...

Full review

I needed a personal loan to fund some education expenses. I did some online comparison and found SocietyOne's rates to be far cheaper than the banks, so I applied and was pretty happy with the whole process. Good to see someone taking on the banks. I'd definitely borrow from them again.

    Price   9 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Andrew (VIC), reviewed 5 months ago

AAMI

AAMI car insurance review

Overall rating   7 / 10

Excellent claims handling, friendly staff

I've only ever had to make a claim once with AAMI, for a small not at fault accident, and they handled the whole process very efficiently. Staff were friendly and the issue was resolved in my favour without any hitches. Car only had a small amount...

Full review

I've only ever had to make a claim once with AAMI, for a small not at fault accident, and they handled the whole process very efficiently. Staff were friendly and the issue was resolved in my favour without any hitches. Car only had a small amount of damage and it was quickly repaired. The only thing I don't like about AAMI is the fact that my premiums are expensive and seem to get more expensive every year, although it's hard to know if that's really the case because the annual renewal letter never tells me what last year's premium cost! I am determined to hold on to this year's renewal notice so I can properly compare next year....

    Price   5 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Karen (VIC), reviewed 5 months ago

Bankwest

Bankwest Zero Platinum Mastercard credit card review

Overall rating   9 / 10

Zero annual fee or overseas transaction fees

I got this credit card because it has no annual fee and no transaction fees for international purchases, so it's excellent value especially if you do lots of travelling or shopping online from overseas sites. The application process was pretty...

Full review

I got this credit card because it has no annual fee and no transaction fees for international purchases, so it's excellent value especially if you do lots of travelling or shopping online from overseas sites. The application process was pretty smooth and Bankwest have been easy to deal with. I don't pay interest on my credit card so don't need to worry about the rate, but I think it is pretty high. I'd say this is a good card for those who are good at managing their credit card spending and paying it off on time, and don't want to be hit with annoying fees.

    Price   8 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Karen (NSW), reviewed 5 months ago

ING

ING savings account review

Overall rating   8 / 10

Simple to use, friendly to deal with, no ATM fees

I have had an account with ING Direct for over 10 years and have been extremely happy - particularly because they pay back any ATM fees. The cash back for pay wave purchases under $100 has been incredible (I'm sad that this has now been...

Full review

I have had an account with ING Direct for over 10 years and have been extremely happy - particularly because they pay back any ATM fees. The cash back for pay wave purchases under $100 has been incredible (I'm sad that this has now been discontinued). They are easy to use, simple to understand and I'm extremely happy with the customer service.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Michelle (VIC), reviewed over 1 year ago

Bank of Queensland

Bank of Queensland Day2Day Plus Account debit card review

Overall rating   10 / 10

Awesome bank!

I have to say, I worked previously for a major telco, in a variety of roles but I relate to HR and Senior Training & Development Manager. I would without blinking an eye employ any of FOH or BOH Customer Service Agents. The level of actual care...

Full review

I have to say, I worked previously for a major telco, in a variety of roles but I relate to HR and Senior Training & Development Manager. I would without blinking an eye employ any of FOH or BOH Customer Service Agents. The level of actual care they have when you're either at the counter or on the phone goes beyond what I have had the pleasure of spending time with. They can also quickly assess the situation and think outside the business rules box. They seem to genuinely care and always have time for a small conversation that is not work related whilst multi tasking at the same time. Every time I do business with them, I always walk out smiling. I enjoy going to this bank.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Shar (WA), reviewed over 1 year ago

NRMA

NRMA home insurance review

Overall rating   9 / 10

NRMA excellent service

NRMA have always been a great home insurance company. My mother is with them, my older sisters is with them so it was only natural I went with them as well when I bought my first house. The application process was easy, they guided me the...

Full review

NRMA have always been a great home insurance company. My mother is with them, my older sisters is with them so it was only natural I went with them as well when I bought my first house. The application process was easy, they guided me the whole way and made me aware of all the fee's and what it is exactly that I was getting. The process didn't take long at all, I expected it to be way longer and if I had any questions not only did they answer them but they did thoroughly. I ended up getting contents insurance as well and I am lucky that I did because later that year we had a robbery and also a flood the year later. They were very sympathetic when I called them and helped me out unconditionally so I could get everything replaced as soon as possible. In conclusion to say I am very happy with NRMA would be an understatement. I know I wouldn't be able to do it without them.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Elisabeth (NSW), reviewed almost 2 years ago

Origin Energy

Origin Energy gas review

Overall rating   9 / 10

Quality service with great backup support.

Origin are brilliant. I like Origin as they provide an environmentally friendly service to the community. Customer services is great. People are readily available to assist when in need of clarification eg: billing or service delivery. Fees...

Full review

Origin are brilliant. I like Origin as they provide an environmentally friendly service to the community. Customer services is great. People are readily available to assist when in need of clarification eg: billing or service delivery. Fees may be a bit high, but the comfort of having backup service when required is worth it all.

    Price   10 / 10

    Features   / 10

    Customer service   10 / 10

    Convenience   / 10

    Trust   / 10

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Nancy (VIC), reviewed about 2 years ago

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...

Full review

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 over 2 years ago

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...

Full review

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 over 2 years ago

People's Choice Credit Union

People's Choice Credit Union car loan review

Overall rating   7 / 10

Best value loans in Adelaide!

Set up a secured car loan with People's Choice as they had the most competitive price. Excellent customer service in store and had my account set up in no time, they also went out of their way to chase up some extra financial loose ends. Very...

Full review

Set up a secured car loan with People's Choice as they had the most competitive price. Excellent customer service in store and had my account set up in no time, they also went out of their way to chase up some extra financial loose ends. Very thorough service.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Luke (SA), reviewed over 2 years ago

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 about 4 years ago

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.

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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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