I have a mortgage with RAMS and since the beginning it has been easy. Their customer service is second to none, whenever I have needed to contact them they have Australian phone lines and answer promptly. I have never had an issue with them. Their app could be updated as it is a bit of an older interface and feels that way however it still does everything you need it to do.
More RAMS home loan customer reviewsRams does not offer SMS coded identificaiton to their APP which is a security risk. Their customer service is underresourced, and I have had mixed experiences in the quality of service and answers to questions. The online functionality does not offer the same features and benefits as other banks and their fees are high. Rams is an affiliate of Westpac, with the same interest rates, but is the "no frills" option.
More RAMS bank account customer reviewsTheir BONUS INTEREST rate of 1% is absurdly LOW compared to ALL other online savings accounts offering at LEAST 3.6%!!! Why would anyone open a RAMS online savings account when they offer such terrible BONUS interest?