Citi home loan reviews

No Australians to speak with when calling them and not willing to help out.

Price   3 / 10

Features   4 / 10

Customer service   1 / 10

Convenience   2 / 10

Trust   2 / 10

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I guess if you were on the East Coast then maybe they are an option but no branch is a real pain and having to talk to foreigners who have trouble with the language is a pain. Needing to have more than one card as the credit card is also a pain. Basically the interest rate was good, after that forget it. The solicitor who did their conveyancing was lovely.

Price   7 / 10

Features   7 / 10

Customer service   6 / 10

Convenience   1 / 10

Trust   6 / 10

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Been ongoing account for many years and no major issues that could't be quickly resolved.

Price   8 / 10

Features   6 / 10

Customer service   8 / 10

Convenience   6 / 10

Trust   8 / 10

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Great comparison rates. Simple rules for understanding.

Price   5 / 10

Features   7 / 10

Customer service   9 / 10

Convenience   8 / 10

Trust   7 / 10

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We have been with them for a number of years and find the rates very competitive and the staff very helpful even though we can't go into a branch, everything is done either over the internet or via phone calls.

Price   8 / 10

Features   8 / 10

Customer service   9 / 10

Convenience   8 / 10

Trust   9 / 10

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I have the close to best rate for the loan amount. Service has been really good and I have not had any complaints.

Price   8 / 10

Features   9 / 10

Customer service   9 / 10

Convenience   9 / 10

Trust   9 / 10

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Pro: best interest rate we could find. Con: terrible customer service and very few citibank branches. Very bad online internet banking too - not user friendly at all. But for us the good interest rate is more important and worth it.

Price   9 / 10

Features   5 / 10

Customer service   0 / 10

Convenience   1 / 10

Trust   2 / 10

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Always been helpful and never had a problem or hassle.

Price   10 / 10

Features   10 / 10

Customer service   10 / 10

Convenience   8 / 10

Trust   10 / 10

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They are not helpful in any way, to them you are a nothing. They have made my life hell after dealing with them for approx.18 yrs.

Price   0 / 10

Features   5 / 10

Customer service   1 / 10

Convenience   1 / 10

Trust   0 / 10

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RUN..Run hard and run fast and never look back!! Nothing but trouble. Missed final settlement on our house twice, only one branch in all of Brisbane and then they couldn't provide a bank cheque, and now they have locked my account with only 4 hours notice because I didn't provide them with my occupation information… WTF!! There is no common contact point.. you are just a number.

Price   0 / 10

Features   2 / 10

Customer service   0 / 10

Convenience   0 / 10

Trust   0 / 10

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Great rates but no branches making taking out cash difficult.

Price   9 / 10

Features   8 / 10

Customer service   6 / 10

Convenience   2 / 10

Trust   6 / 10

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First off Citibank excel at remote banking - their web based systems are very good and their ATM network impressive. You pay no fees to withdraw cash from their ATMs. The downside is that they have maybe one or two branches in every Capital city - not really convenient if you want to discuss something face to face. Overall, they have maintained low fees, low interest rates and enticed customers with zero interest offers. A good bank if you want to do most of your banking online.

Price   5 / 10

Features   6 / 10

Customer service   3 / 10

Convenience   6 / 10

Trust   5 / 10

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No longer has a local branch, everything has to be done on line. Wait for ages to talk to someone

Price   0 / 10

Features   3 / 10

Customer service   0 / 10

Convenience   0 / 10

Trust   4 / 10

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Since joining our bank we have had awesome customer service and nothing is too hard; I have no real cons when I have had to chase anything the bank has responded quickly and efficiently.

Price   8 / 10

Features   9 / 10

Customer service   9 / 10

Convenience   8 / 10

Trust   8 / 10

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Does not have the features I asked the Broker for. Lacks the flexibility for banking in Austalia.

Price   3 / 10

Features   1 / 10

Customer service   0 / 10

Convenience   3 / 10

Trust   0 / 10

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Really unhappy about the transaction fees.

Price   6 / 10

Features   5 / 10

Customer service   6 / 10

Convenience   7 / 10

Trust   5 / 10

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No branch to visit when things go wrong. Phone service sucks. What more need I say?

Price   4 / 10

Features   4 / 10

Customer service   2 / 10

Convenience   2 / 10

Trust   3 / 10

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Citibank is fantastic, great rates and easy internet banking. Only down side: only one branch per capital city.

Price   10 / 10

Features   8 / 10

Customer service   8 / 10

Convenience   10 / 10

Trust   8 / 10

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After 6 years with Citibank, we were left with a very uncompetitive interest rate, high fees, and a company that had zero interest in helping us. After an online banking "upgrade", they introduced bugs into my online banking, including incorrect account numbers and problems accessing my statements for tax purposes. After 4 months of phone calls, messages and finally a formal complaint, no resolution was forthcoming. In fact, they never responded in any manner to the formal complaint I lodged (not even an automated email). We are now closing all our accounts (2 loans, offset savings and credit card) and taking our business elsewhere.

Price   2 / 10

Features   5 / 10

Customer service   0 / 10

Convenience   0 / 10

Trust   0 / 10

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Reliable, down to earth, listen and understand.

Price   8 / 10

Features   8 / 10

Customer service   9 / 10

Convenience   6 / 10

Trust   9 / 10

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Citibank are terrible at everything.

Price   0 / 10

Features   0 / 10

Customer service   0 / 10

Convenience   0 / 10

Trust   0 / 10

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I have asked them on numerous occasions to review my loan to a lower interest rate since my divorce and have also asked that his name be removed from the loan, but they have refused because they seem to think that I cannot pay the account, but it is I that has been paying this account on my own since 2004. I am now in arrears and they refuse to help with any financial assistance. I cannot afford to change banks, I just wish they would help by re-writing the loan into my name, as my name was on the original loan.

Price   1 / 10

Features   1 / 10

Customer service   1 / 10

Convenience   0 / 10

Trust   2 / 10

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The home loan product may be cheap but the service is terrible. I spend so much time on the phone to get anything set-up and the online banking is terribly tricky to get into.

Price   8 / 10

Features   5 / 10

Customer service   0 / 10

Convenience   0 / 10

Trust   5 / 10

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Great customer service and willingness to help and keep my business. But I have to be proactive in making sure I'm getting the best deal they have on offer.

Price   5 / 10

Features   9 / 10

Customer service   10 / 10

Convenience   10 / 10

Trust   7 / 10

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Citibank made me do a 100 point ID check just to deposit cheques into my client's account. He discharged his loan with Citibank and was banking the money that went to him from the sale. They treated me like a thief for wanting to PUT MONEY INTO an account which is stupid. The big 4 banks let you deposit money without ID checks but apparently that isn't good enough for Citibank. Citibank's unnecessary red tape starts at the counter. Citibank is not a convenient bank when dealing with mortgages and discharges, they are much more difficult to deal with than the big 4 banks and this has caused delay and uncertainty. Then it gets worse. I had a client who drew bank cheques for about $2.4 million dollars to pay for a house. Citibank got the spelling wrong despite the name being clearly printed on the instruction sheet. My client and I had to go back to the branch to have the cheques redrawn. The manager of the branch said something like, "There are other customers who are here before you and it's not fair to them to take care of your matter first". I then pointed out that my client was there bright and early in the morning and wouldn't have been back if Citibank hadn't made a mistake. Citibank then tried to blame my client despite her not being able to speak English. We then had to wait 1.5 hours for the cheques to be redrawn. Citibank didn't care that my client would face about $7,000 penalty interest if she was late with her purchase. Neither did they care that she wouldn't have a place to move into that weekend. The red tape of Citibank is stupid but their attitude towards customer service when it counts is worse. They didn't even pretend to care. The incidents aren't isolated either. When I've dealt with Citibank things are often much harder than they should be. Stick with the big 4 banks because they get it right when it counts. Those clients also changed banks. The karma is that I have lots of clients spending lots of money and I cannot recommend Citibank, quite the opposite.

Price   5 / 10

Features   5 / 10

Customer service   0 / 10

Convenience   0 / 10

Trust   0 / 10

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