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.

See the winners
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

Police Bank

Police Bank Easy Access Account bank account review

Overall rating   0 / 10

If you don't tick the boxes, they don't want you!

Made an enquiry based on reviews on here. Wanted a fee friendly bank account to use in online. Emailed an enquiry, was called. Firstly I am advised their banking is only for Police of their relatives (doesn't state that here or on their site,...
Full review

Made an enquiry based on reviews on here. Wanted a fee friendly bank account to use in online. Emailed an enquiry, was called. Firstly I am advised their banking is only for Police of their relatives (doesn't state that here or on their site, just says products are designed for police), secondly I am advised they service people is NSW only..storage a financial institution is not accepting nationally? Thirdly, they advise they only want people to use the account as their main bank and have pay etc paid into it, so they aren't for me because I was only looking for an additional account online. They also have a promotion to join, which I only was aware when I went to their site based on the reviews on here, it was not my motivation for joining, yet I was asked how I knew about the promotion also because that is based on them wanting regular direct debits (which I was happy to do), but never even got a chance to discuss. Don't waste your time with this financial institution based on my experience. I want to feel welcome and who knows what they have missed out on, I may have been happy with them and changed them to my main bank! Including my investments and relatively substantial savings!

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Matthew (SA), reviewed 3 days 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 7 days 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 18 days ago

NRMA

NRMA Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

First class attention, response time, and precise.

Their attention you get is excellent, timely and very helpful if you have need from your insurer. We recently had an issue when some unnamed person damaged our car in a parking lot at a hospital. The NRMA were very resonsive and helpful about what...
Full review

Their attention you get is excellent, timely and very helpful if you have need from your insurer. We recently had an issue when some unnamed person damaged our car in a parking lot at a hospital. The NRMA were very resonsive and helpful about what to do? We were able to drive home, and the next day we took it in for assessment. That was done on the day, the work was done the next day; and they also touched a few little other marks.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Jocalyn (NSW), reviewed 18 days ago

Commonwealth Bank

Commonwealth Bank NetBank Saver savings account review

Overall rating   10 / 10

Great way to save with excellent customer service

I have always been pretty unaware of my money flow until I saw the commonwealth bank about my accounts. They put me onto a savings account, not only can I see how much money has been put into my account the last 30 days but it also shows how much...
Full review

I have always been pretty unaware of my money flow until I saw the commonwealth bank about my accounts. They put me onto a savings account, not only can I see how much money has been put into my account the last 30 days but it also shows how much I have spent. I have noticed that since I can see how much is coming out versus how much I have deposited in the month I have noticed my spending has gone down considerably and my savings are growing. I had some transactions in my account that weren't authorised and their customer service team fixed it straight away and the money was refunded into my account within 3 business days. the only con I can find is that if you put less than $2000 in the account a month you do incur a account keeping fee. Other than that it is fantastic

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Tamika (TAS), reviewed 18 days 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 about 2 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 about 2 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   9 / 10

Great product and support

There is a wide variety of products and features that make Commonwealth both convenient and good value for money. I use a banking app, online banking, and phone banking. The app is convenient and easy to use. The online banking has several great...
Full review

There is a wide variety of products and features that make Commonwealth both convenient and good value for money. I use a banking app, online banking, and phone banking. The app is convenient and easy to use. The online banking has several great features that inform me of my spending and earning and compares the two using an easy to read visual cue. The phone service is excellent, and frequently has short wait times, enthusiastic and knowledgeable banking assistants, and technology to resolve your banking issue. Overall, this is a modern banking product with lots of benefits!

    Price   10 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Talia (NSW), reviewed 2 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 2 months ago

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.
Full review

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 4 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 5 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 5 months ago

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 5 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

Less

Vivian (NSW), reviewed about 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.

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