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NAB Exposed Score: 2 out of 10

• Be very cautious around KYC and NAB – the bank will run you around in circles and waste a lot of your time

• Poorly narrated IVR (telephone voice) system and will transfer you from department to department and cause you great frustration and irritation

• Poor customer service with limited trading hours

• Understaffed and indifferent business bankers

• Very few branches and many without tellers so cannot be used for actual banking

• Wait times at branches is often more than 15 minutes

• Under-trained staff who mainly work from home and transfer you from department to department

• NAB online banking interface and usability is unprofessional with very limited filters and often hangs or is very slow

• NAB Connect and NAB Transact poorly laid out, difficult to use and highly limited

• Very low interest payments on savings and term deposits

• Excessively difficult to obtain a home or business loan because of NAB’s onerous requirements

• Extremely high merchant fees and costs

Recommendation: Do not use NAB for banking in Australia because you will be charged excessively and be treated very poorly for having done so