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Review summary

Created with AI, based on recent reviews

Considering 147 reviews, most reviewers were let down by their experience overall. Many people were dissatisfied with the customer service, finding it unhelpful and difficult to reach a real person. They also encountered issues with payments, including unexpected fees and funds being withheld. Customers frequently reported problems with the overall service, describing it as appalling and frustrating, with staff often perceived as unhelpful and uncaring. Some people were dissatisfied with the difficulty in contacting the company, experiencing long wait times and unreturned calls. However, some customers also noted positive experiences with specific staff members who provided professional and efficient service, and appreciated features like in-branch assistance for online banking and tap-and-go card functionality.

What people talk about most

Customer service

Consumers find customer service to be negative, with many reporting frustrating experiences due to long wait... See more

Payment

Reviewers express widespread dissatisfaction with payment processes. Many customers report issues such as... See more

Service

Customers consistently note negative experiences with service. Many reviewers describe the customer service... See more

Staff

Clients share negative opinions on staff, frequently citing issues with availability and competence. Many... See more

Customer communications

Users describe negative interactions with contact, primarily due to extreme difficulty reaching a real... See more

Reviews shaping this summary

Rated 1 out of 5 stars

Actually, star rating would be -100. Im on hold to NAB to sort out a suspected scam on my credit card. I have been waiting 40 minutes! 40 seriously valuable minutes subtracted from my life. For wha... See more

Rated 1 out of 5 stars

Wanted a replacement credit card as old one became somewhat ragged . Contacted NAB by phone , no problem replacement card on the way , should be 5 days . Buy petrol on the way to airport , card... See more

Rated 1 out of 5 stars

Report a dispute via phone conversation. No resolution. Upgrade to a fraud case, and another phone conversation, ni interest in the evidence to prove fraud. Just question about why I made the payment.... See more


Company details

  1. Insurance Agency
  2. Bank
  3. Financial Consultant
  4. Financial Institution
  5. Money Transfer Service
  6. Non-Bank Financial Service

Information provided by various external sources

National Australia Bank is an international financial services group providing a comprehensive and integrated range of financial services across four continents and 15 countries.


Contact info

1.5

Bad

TrustScore 1.5 out of 5

507 reviews

5-star
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1-star

How this company uses Trustpilot

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Rated 5 out of 5 stars

Disputed transaction

Thank you. After originally questioning and declining to reimburse. Without follow up from myself Nab has acknowledged that a payment should not have been withdrawn have protected myself with reimbursement I should recieve tomorrow.
They will take with the merchant.
Many thanks I thought there back was turned to my surprise the big guy has protected the little guy.

May 21, 2025
Unprompted review
Rated 1 out of 5 stars

Pedantic in the extreme

I opened an a/c with them when in Darwin years ago, when we often visited Aus from NZ. A few years back I asked for the a/c to be closed, as we no longer travel.
I discovered a balance of $300 odd from dividends I had missed; the Company had stopped their reinvestment plan. Then began 3 plus weeks of head banging as I crossed, many times over, the i's and t's.
I understand that Aus is only just starting with the aml thing, but talk about the left hand not knowing what the right hand is doing. Two weeks after fulfilling the demand to verify my identity at a NZ bank of NAB's choosing, I was told I would have to redo it elsewhere! Then I was told to fill in certain boxes on the telegraphic transfer form, only for them to come back with more demands on how that needed to be filled.
Towards the end of this debacle I lodged a formal complaint on their page. What a laugh that was, two spontaneous replies then a smarmy message more or less patting themselves on the back for nothing, on the day I finally received my money into the highest satisfaction rated bank in NZ, at 77%. At the very least, NAB need to train their staff to better standards.
I am pleased to be shut of them. And they need to heed their reviews, not a good look at all.
And on 17 May I received a message inviting me to view my statement online. Got the message error 'There are no accounts associated with your NAB ID.'
Makes them even more of a joke!

May 12, 2025
Unprompted review
Rated 1 out of 5 stars

Went into Sunnybank branch to simply…

Went into Sunnybank branch to simply change address and phone number on account
The young girl was disrespectful sarcastic and just extremely rude, I’d expect a lot better from a large bank like NAB
Disgusting service !!!!

May 13, 2025
Unprompted review
Rated 3 out of 5 stars

DO NOT USE THE L-GLUTATHIONE PROTOCOL

I must admit injecting the NAN+ into my body is easy and it doesn’t work. But the L- GLUTATHIONE PROTOCOL is extremely painful and they say inject into the fatty part of your body. My guess is and they say to use your bum. Well this is a week after injection the NAB+. Which was absolutely fine. But the other ( L-GLUTATHIONE PROTOCOL has left me sore and with a painful wound. I hope I can add a photo of it to this review.

April 23, 2025
Unprompted review
Rated 1 out of 5 stars

Worst bank in ever

Worst bank in ever. Went in 15 different times trying to take out coins and didn’t get one. Either the place didn’t have coins or didn’t even take my card. I even watched a person in front of me go to the machine and it took their card, I went and it denied me, then someone after me went and it accepted them. Thought it was a coincidence but I went back and tried to put in my card and it denied me for a full 15 (no one was in line). Hate the place. The only reason why I go is because I can get coins even if the place is shut. Never go to NAB. Horrible place.

April 20, 2025
Unprompted review
Rated 1 out of 5 stars

A Cautionary Tale – Our Experience with NAB

Our experience with NAB has been nothing short of devastating. Over time, the bank has systematically taken actions that, in our view, appear designed to cripple our business, force the sale of our family home, and upend our lives.
Despite our efforts to cooperate, communicate, and find solutions, we were met with rigid decisions, an apparent lack of empathy, and a pattern of behaviour that felt less like responsible banking and more like corporate aggression. Promises were broken, hardship pleas were ignored, and their actions often seemed more focused on pushing us to the brink rather than supporting a longstanding customer through a difficult period.
We are sharing this not out of anger, but to warn other small business owners, families, and individuals to be extremely cautious when dealing with NAB. What we’ve endured has been incredibly distressing, and no one should have to go through what we have.

April 15, 2025
Unprompted review
Rated 1 out of 5 stars

Australia's worst bank by far

Australia's worst bank by far. The staff are like AI robots and cannot, or are not allowed, to speak to you off script. It's like the comedy sketch where the "computer says no" . They make banking and home loans so hard it's just not worth the effort, there are so many other options... goodbye NAB for the second time in 36 years... I should never have come back to you the second time, but I was hoping you had changed.. you did change, but for the worse..

April 8, 2025
Unprompted review
Rated 1 out of 5 stars

NAB-Less than 1 star.

Less than 1 star.
Had the worst experience EVER at NAB Whitfords in Hillarys WA.
Talk about 2 incompetent, rude employees. Lorraine was a waste of space with very poor comprehension skills and even understanding the problem. I stupidly thought a branch might be better in that you could go through everything with them and deal with the problems. OMG talk about hopeless skills.
Fortunately a very nice, helpful lady in Home Loans just there temporarily gave me the assistance and immediately understood the problem.
Whilst trying to transfer the documents to her I had to listen to constant rude and personal remarks from this Lorraine. Luckily I had the manners to refrain from personal responses back.
AND just when you thought things couldn’t get any worse, this ignorant Jenny Martin started her histrionics, coming out huffing and puffing saying it was too noisy, then going back into her office and closing the door. Then she would wait a few minutes, and open the door again for a few minutes, and proceed with same said histrionics and finally getting extremely rude.
The biggest joke is that when I came for a booked appointment this Lorraine insisted on doing it in the centre of the big, open room with the doors wide open to the shopping mall walkway.
Immediately behind us was an empty office with a closing door but she refused to use it, saying her laptop was in this big open , space area. Hello!!!???? unplug it and plug it into the office plug. No, she had to discuss my private accounts and information with no privacy and have Jenny Martin act like she was in Fawlty Towers. This has been my intro to NAB, in what should have been a simple credit card application.
Funny thing is, I’m really left wondering WHY anyone would want to bank with them or have any account there.
After I told them both I was making a complaint about them, this Jenny Martin started throwing her weight around and telling me to leave the store!
WHERE do you find such delightful specimens to work for you NAB?
Actually it’s quite comical now if it hadn’t wasted my time, but good practise in NOT getting drawn into personal insults back.

March 28, 2025
Unprompted review
Rated 1 out of 5 stars

NAB INCREASES CREDIT CARD CHARGES WEF - FROM 14TH APRIL 2025

NAB INCREASES CREDIT CARD CHARGES WEF - FROM 14TH APRIL 2025

We have a NAB Rewards/Classic Card that presently has a Monthly Card Fee of $24.00.
From the 14th April 2025, the Monthly Card Fee will increase to $35.00 per month, making the annual fee $420.00.

The NAB have advised that the Monthly Fee of $35.00, will be reversed if we spend $5000.00 or more in a statement period !!!!!!.

Their Fees keep going up, while their Service keeps going down, and branches being closed.

This is VERY DISSAPOINTING as we have been loyal customers of the bank for over 30years, this is how the NAB Rewards Loyalty.

March 13, 2025
Unprompted review
Rated 1 out of 5 stars

I'm a customer of many year and…

I'm a customer of many year and admittably Iim only a pension customer I had the worst expirence I've had. My health is poor and in need of fridge for medication and after exhausting all avenues ( embarrassingly ask charities for help but couldn't due to demands and I admire all charities for there tirelessly work they do) I thought NAB might help as I've never dishounered any overdraft etc. all I asked for was help in $499 as I have $200 and fridge is $699 and they shamed me to the point I started crying. They treated me like a second class citizen. I have a secure payment of disability pension that's locked in till my death and have that in writing. as I only have 28 months to live and they couldn't help me with a loan, overdraft or credit card for $499. I'm so embarrassed to ask and they( cell centre and bank tellers and because I'm heavily medicated and very doppy looking so they must'vel judged Nevada a drug person and treated me like a bum. I told them I've got both medical records and my doctors were willing to take the time out of there busy schedule to back me up but I'm just a pensioner that makes them little money. I've got under 3 years to live and a child abuse victim on redress scheme and that's how I felt again powerless child. I don't need anymore embarrassing encounters but they shamed me and tried palming me off on to charities as if Vincent and salvation couldn't help due to demand but a mega billion dollar company like NAB couldn't help me with $499 when I'm a long time customer with a guaranteed income. How unAustralian this is. If anyone has experienced anything like this please join my class action on the greed of our banks and if your willing to be televised on your banks treatment of you please join my cause on 0466651789 I'm Banks and the employers are accountable for the greed and carelessness the soulless treatment of its customers. I'm embarrassed to say I'm an Ozzie if these guys do this. Hell even if I died before paying $499 what's it to them and to have call centre and tellers to decide that( I'm heavily medicated because of medical condition) they seen me as a bum. I've never felt do ashamed of myself to ask for help off the very bank I've been with so long. I could pay the $499 I. I could pay it back in 4 weeks but no that'll bankrupt them is how I felt. I'm not using any bank ever and if that means I don't get my pension do be it because I'll go to the street people they would be more caring likely treat me better and I will be proud not to ask anyone again for help. Thanx NAB for making me feel like a low life and a bum.so do embarrassed you make me tell for asking for help. How do any of you sleep at night. I'm going to mention names of all the people I encounter 😂 n this matter. Shame 😞 n you NAB shame on you.

February 28, 2025
Unprompted review
Rated 1 out of 5 stars

NABs customer service is absolutely pathetic!

NABs customer service is absolutely pathetic.
In about November we were sent a letter from the CEO which I guess most of their clients would have received thanking us for doing business with them and that they were striving to provide superior service. LOL.
About a fortnight before Christmas we received a text
asking us to supply identity verification details as trustees for our SMSF. They claimed in the text that they had posted a letter a few weeks previously and
if we did not comply within a time period our bank accounts would be locked down. A few days later we received the letter a few days before Christmas.
The ultimatum was we had about 3 weeks to comply.
We had been through the identity verification process only about 18 months ago and they handled that very poorly. Anyway early in the the New Year we visited the Clare branch and supplied the staff with the required documentation and thought that would be the end of it.
But no, about 10 days later we receive another text late in the week telling us that the accounts will be locked down early the following week. So I reached out by telephone and the person I spoke to was helpful and when he checked could see that the information had been supplied. Anyway that was about the middle of January. I let him know that I wasn't happy and he lodged a formal complaint and he said that I would receive a call from NAB to discuss my displeasure..
Have not heard from them since other than on 17/2/25
receiving a text apologising for sending the text threatening suspension as it had been an error on their part. Surprise surprise as the identification had been done previously anyway! How incompetent can a bank be. Would certainly not recommend them to anyone.

December 20, 2024
Unprompted review
Rated 1 out of 5 stars

NAB stands for take grab or steal something…

They went directly into our bank account and withdrew themselves $20 without ever dealing with us knowing us or ever having access to our account in the past. Not too sure how they pulled it off but they did for about 5 minutes until they got reported and my bank is taken care of the rest. Stay far far away from someone or a company that will go into your account and steal from you cuz they can't be doing that good if they have to do that

February 21, 2025
Unprompted review
Rated 1 out of 5 stars

NAB Fails Small Businesses—Promises Broken

Switching to NAB was a mistake. I trusted their CEO’s ‘support small business’ promise, but they can’t handle basics—three identity checks per call, dropped transfers, and zero internal coordination. High international fees and card payment blocks (unlike Westpac’s reliability) crippled my Meta ads. NAB’s a disaster for small businesses

February 21, 2025
Unprompted review
Rated 1 out of 5 stars

Dont get your loan with NAB NAB have been raising our interest rate…

NAB have been raising our interest rate every 3 months for years and they raise it even when the reserve bank has rates on hold. and when yhe reserve bank lowers the rates the NAB don't pass it on. I strongly recommend you don't take out a loan with NAB unless you want to get ripped off for the next 30 years, would give them zero stars if I could

February 19, 2025
Unprompted review
Rated 5 out of 5 stars

Highly recommend Sara McLean home loan…

Highly recommend Sara McLean home loan specialist attached to Five Dock branch
After having pre approval with Macquarie Bank and then not been able to locate the lender as they do not provide mobile numbers. I went to the Five Dock NAB branch and the male staff member booked me in an appointment within 1 hour with Sara. Sara had unconditional approval for my sons loan with 2 business days
Very impressed and highly recommended Sara to anyone requiring a home loan without a hassle

February 4, 2025
Unprompted review

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