I have been with BOM for more than 10 years and it has been great but as soon as I have spotted an unauthorised transaction on the Visa account, I have contacted the fraud support to assist the case and believe or not I had to be out of pocket about $410 for something that I didn't authorise. The support was very aggressive and unprofessional, standing their ground, talking all over me, that I had to ask, can I please say something? after trying to have a polite conversation. I will now cancel my account and go elsewhere not related to this corporation because I suppose that it's the same support team handling the enquiries. I would never think that a bank can be so greedy and rather lose a long-term client than handle their issues the proper way. Also, the mobile app its clustered with glitches and maybe that is a reason that I got scammed as well. I also offered to send screenshots of the mobile app to show that this may have been the way that the account got hacked but they didn't want know and wash their hands with it and left me out of pocket even though they are insured on those type of transaction issues. I am waiting on the new card to pay off my balance and move on and no member of my family will have any more interaction with this bank. Thank god was only $410. Bad policies and practice to handle customer support.
At application process they had my last name incorrectly spelt. I filled in a letter they asked for me to fill in to update my surname and they still didn't update my name or send out a correct card stating my actual correct surname. I was on the same annual income as the beginning of my initial application (I lowered my credit limit) and I asked for an increase some time later as I needed help for lawyer fees to settle my divorce and Skye wouldn't allow an increase, despite regular and ongoing repayments and having the same annual income. The staff would take up to even a week to respond and lack of customer service. At no point was I ever satisfied with customer service.
Its ok. I get double flybys reward points when I use it which I can use when shopping. The card is of bad quality. Doesn't scan contactless most of the time.
PROs: * Secured a good interest rate. * Good customer service in relation to hardship. ** I was made redundant & contacted NAB and they worked with me. *** deferred payments on outstanding balance. *** froze interest accrual whilst unemployed. CONs: * Interest Rate.... But who doesn't want to pay less interest? CONCLUSION: * Contacting them as soon as I became unemployed, customer service were very understanding and I wasn't made to feel embarrassed by my change in circumstances. * I was unemployed for 8 months and they extended the original 6 month account freeze for a further 3 months (and said they could offer longer if my circumstances did not change by then).
Generally pleasant, efficient customer service. I once took a personal loan with them, and only found out years later that they had deceptively added an insurance product.
They have plenty of banking facilities and their mobile app has been the best out of all the banks I've used. They are constantly updating the app and have also been one of the first providers of cardless cash. I find they are the leaders of IT innovation in banking.
Got this card for the points bonus. Still do not have google pay (which compared to my last card made shopping so much easier and quicker) Wife's card keeps getting fraud messages for the same transaction despite talking to them and telling them that we did buy the groceries at Woolworths. I will probably change cards before the renewal date.
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