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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.

See the winners
peoples choice award

People's Choice Award 2016

Forget industry awards where banks scratch each other's backs. Mozo presents the People's Choice Awards, based on more than 30,000 real customer reviews.

Check out the winners

Recent reviews that stand out from the crowd

Westpac

Westpac Altitude Platinum (Rewards) credit card review

Overall rating   8 / 10

Credit card with varied rewards options.

Westpac Altitude Rewards is a good rewards credit card that generates points for every dollar spent. It also has bonus points elligible from some retailers. The linked American Express Card is also helpful because it generates 2 points for every...

Full review

Westpac Altitude Rewards is a good rewards credit card that generates points for every dollar spent. It also has bonus points elligible from some retailers. The linked American Express Card is also helpful because it generates 2 points for every dollar spent. Consumers need to be aware there are different levels of cards which can generate different levels of points. There is a cap each month and year for how many points each card can generate. The Altitude redemption website is easy to use and they are very prompt at dispatching items redeemed. I have had no issues with any items obtained through the rewards system. Westpac card services have been very easy to deal with over the phone. They are also very security conscious and have contacted me when there has been spending outside of my normal habits. I highly recommend this product.

    Price   7 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   7 / 10

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E (NSW), reviewed about 4 hours ago

Bank of Queensland

Bank of Queensland Bonus Interest Savings Account savings account review

Overall rating   10 / 10

Exceptional service and products all round.

I have been an Account holder with Bank Of Qld for 15 years, during this time I have never had one reason to question their product or service and I have never considerd leaving for another bank. Their Customer Service is of exceptionally high...

Full review

I have been an Account holder with Bank Of Qld for 15 years, during this time I have never had one reason to question their product or service and I have never considerd leaving for another bank. Their Customer Service is of exceptionally high quality, always very professional and always going above and beyond to help with any questions/queries/concerns. Their Fees are more than reasonable and rarely change, I am kept up to date regularly with bank statements containing informative detail and easy to follow. Any queries/questions are answered promptly and honestly. Access to my account information is easy and quick yet with the highest security to ensure that you are infact the account holder. My overall rating for BOQ is the highest possible, I couldnt ask for a better bank that caters to my individual needs, needs that are always met. I have referred many if my family and friends to BOQ over the years and they are all just as happy with their products and services as I am. Awesome bank. Awesome people.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Alesha (QLD), reviewed about 2 hours 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 about 2 months ago

Youi

Youi car insurance review

Overall rating   8 / 10

Excellent customer service

When my car was totalled everything was taken care of quickly and efficiently and with compassion. It was a relief to hear .... we'll take care of everything you rest up and get better. And take care of everything they did. Pay out was in my bank...

Full review

When my car was totalled everything was taken care of quickly and efficiently and with compassion. It was a relief to hear .... we'll take care of everything you rest up and get better. And take care of everything they did. Pay out was in my bank within the week, a heartfelt letter followed with a small car care package for my next car. Great experience.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Gabbie (QLD), reviewed about 2 months ago

Westpac

Westpac home loan review

Overall rating   9 / 10

Tech Savvy & AMAZING Customer Care

I've never experienced the care and effort put in by the staff who helped me with my loan. Recently called the hotline regarding a question and the woman who served me was above and beyond helpful and suggested ways to reduce my expenses! Recently...

Full review

I've never experienced the care and effort put in by the staff who helped me with my loan. Recently called the hotline regarding a question and the woman who served me was above and beyond helpful and suggested ways to reduce my expenses! Recently went into the local branch and the technology for deposits of cash and coins far exceeds other banks. No more standing in line waiting for easy to do tasks!

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Lara (QLD), reviewed 3 months ago

ING DIRECT

ING DIRECT Orange Everyday debit card review

Overall rating   10 / 10

Free ATMS, cashback from using PayPass, brilliant!

ING is fantastic all around. You get 2% cash back everytime you use PayPass on your debit card, so you're basically paying 98% of the price on anything! They also have no ATM fees, instantly refunding the fee of any ATM you use to get your money...

Full review

ING is fantastic all around. You get 2% cash back everytime you use PayPass on your debit card, so you're basically paying 98% of the price on anything! They also have no ATM fees, instantly refunding the fee of any ATM you use to get your money out. I haven't found a bank that does any better than these things!

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Evelyn (VIC), reviewed 4 months ago

NAB

NAB Classic Banking Account bank account review

Overall rating   10 / 10

Best bank in Oz.

No monthly fees or limits on number of transactions per month. Internet and phone banking. Links visa debit. Can use NAB + all reditellers with no ridiculous $2.50 ATM fee - so more free to use ATM's available. Customer Service are Australians (...

Full review

No monthly fees or limits on number of transactions per month. Internet and phone banking. Links visa debit. Can use NAB + all reditellers with no ridiculous $2.50 ATM fee - so more free to use ATM's available. Customer Service are Australians ( onshore) so no horrible accents or English language barriers. Credit card links to flybuys - get more points when you shop. I have enough for 3 x SeaWorld passes for our holiday in January!

    Price   5 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Samantha (NSW), reviewed 4 months ago

Dodo Power & Gas

Dodo Power & Gas electricity review

Overall rating   8 / 10

Excellent rates. Less service charges.

After being a customer of 5 energy providers in 25 years, I found Dodo. I save reasonable amount of money by changing over to Dodo. With Dodo, you pay every month an amount previously agreed upon. This amount is calculated from your past bills....

Full review

After being a customer of 5 energy providers in 25 years, I found Dodo. I save reasonable amount of money by changing over to Dodo. With Dodo, you pay every month an amount previously agreed upon. This amount is calculated from your past bills. When the meter is read you get your invoice. Cons:- It takes a little time and effort to understand and to get used to the system

    Price   8 / 10

    Features   / 10

    Customer service   10 / 10

    Convenience   / 10

    Trust   / 10

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Lissa (VIC), reviewed 5 months 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 5 months ago

NAB

NAB Personal Loan (Fixed, Unsecured) personal loan review

Overall rating   5 / 10

Competitive loan rates, long initial setup period.

The initial setup process took only a few minutes to complete, however waiting for approval took several weeks (had applied for the loan online) and after about 2 months I decided to go into my local branch to finalise the loan which didn't take...

Full review

The initial setup process took only a few minutes to complete, however waiting for approval took several weeks (had applied for the loan online) and after about 2 months I decided to go into my local branch to finalise the loan which didn't take long at all (probably about half an hour). At the time they did offer a competitive fixed interest rate for an unsecured loan which was great but it really did take far longer than expected to draw up the loan. When I lost my job and was going through a hard time financially, the staff at NAB Care were understanding about my situation and allowed me to take a repayment holiday for 3 months which really helped me out.

    Price   7 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   7 / 10

    Trust   5 / 10

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Luke (VIC), reviewed 5 months 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 8 months 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 8 months ago

People's Choice Credit Union

People's Choice Credit Union Secured Personal Loan (Fixed) 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 10 months 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 over 2 years ago

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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.

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

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