Likes - Lots of ATMs and branch locations. - Web interface is fairly straight forward and easy to navigate. Dislikes - Fees for minimum account use don't apply to multiple account types under the one umbrella account (e.g. Debit and EFTPOS accounts held by the same person required minimum spends on both to avoid account fees). - Calling for customer service can result in long hold times.
I like this bank, they help with customer concerns and needs and contributes to the community. They send regular email updates, it has been easy over the years to transfer money online. I have also found branch staff friendly.
The entire banking experience with Up is so good. Every time I have had a concern I swipe the app to the left and it brings up a chat box to speak directly with an Up support member. Someone responds so fast and it operates like a persistent instant message chat service. I've reported a bug using this feature and someone responded and they released an app update in under a week specifically fixing that bug. They have zero fees on anything it seems. I love this bank. The only downside is the fact that there are no physical branches, so I'm not sure how to deposit cash into my account. I tend to just transfer to it using another account anyways. I've referred countless family and friends to Up and they all have had a similar amazing experiences. 10/10 - keep up the good work.
Pros - exemplary service. Any issues or questions and they respond rapidly. If you call up, you are answered immediately, and no annoying robotic phone questions either. They can also do both home and business loans/accounts. Cons - not necessarily the best rates or fees. You get great service but you must pay for it.
I don't have too many issues with my bank, I just have a normal savings account. They've never helped or suggested I put my money into a higher interest account, although I haven't asked. Their interest isn't great but I'm guessing most banks are around the same. They did overcharge me $20 a month for account keeping fees until I called them out, it was supposed to only be $4 a month, and they wouldn't repay me what they'd taken over the years. I'm not overly happy but not sure any other bank would be better.
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