Commonwealth Bank Avis 

Useless - Fees for no service - only talk to bots

Awful customer service, bounced from bot to phone, transfered between 3 teams over half hour on hold then back to app chat. Then they say it's an online product and can't help. 1 hour running in circles for nothing

They are ok, but for business banking I don't feel they are interested in start ups or small businesses. Don't get me wrong, they got me started, but they are quite average in anything that isn't a standard high paying business.

Their customer service is so bad. I have been calling them and waiting on the line for hours for 3 days now and they don’t have anyone to take the call. Seriously!!! That’s not what we use the service for.

The local Commbank ATM confiscated/stole my debit card, did not dispense any cash but did debit my account.

Great that they still have branches open but the ques are massive.

Horrible bank, with high fees and interest rates that are higher than everyone else's because they claim to be friendly and have in-store options. Don't get scammed by this bank; it is very greedy. I've been with two other banks, and this one is by far the worst.

not helpful, very rude customer service and not to the standards

Never got the points

Signed up for Commbank Ultimate Awards credit card due to the promotional offer and became a victim of a fraud attempt.

Commbank cancelled my card, sent me a replacement card and now refuses to pay me the bonus points because apparently I have held a card previously (the one they cancelled). Obviously I hit the minimum spend (actually more than double of that), but that did not matter.

Escalated it all the way via complaints etc. and they still refuse to honor their deal.

If I cannot trust my bank with something ridiculously unimportant like bonus points, I cannot trust them with something important as my share portfolio.

Will move all my accounts including business account of my partner.

Great example how to loose customers long term.

Stay away.

I wouldn't choose this bank. My mortgage broker suggested this bank so I went with it. If you overdraw its an immediate charge, no grace. Also, and most frustrating is the wait times, horrendous, I've never had such an issue anywhere else. Whether you are calling the bank about your accounts or about your insurance, you have to wait a V E R Y long time. Has put me off this bank for banking or insurance. I don't have time.

Absolutely terrible support. Not honoring previously established rate. Making me submit documents three seperate times

ɪ ᴄᴀɴɴᴏᴛ ʀᴇᴀᴄʜ CBAI. ɪ ʜᴀᴠᴇ ᴛʀᴏᴜʙʟᴇ ᴛʀʏɪɴɢ ᴛᴏ ᴄᴏɴᴛᴀᴄᴛ ᴛʜᴇᴍ ᴅᴜʀɪɴɢ ᴍʏ ʟᴀsᴛ ᴛʀᴀᴠᴇʟ. Tʜɪs ɪs ᴘᴀʀᴛ ᴏғ ᴛʜᴇ ʀᴇᴀsᴏɴs ᴡʜʏ ɪ sᴛɪʟʟ ᴘᴇʀғᴇʀ ᴛᴏ ᴅᴇᴀʟ ᴡɪᴛʜ ᴏɴʟɪɴᴇ ɪɴᴠᴇsᴛᴍᴇᴍᴛ ᴘʟᴀᴛғᴏʀᴍ ᴛʜᴀɴ ᴏɴʟɪɴᴇ ʙᴀɴᴋɪɴɢ ᴘʟᴀᴛғᴏʀᴍ.

ɪᴛ ᴡᴀs Hᴏᴜsᴇ ᴍɪɴɪɴɢ Iɴᴠᴇsᴛᴍᴇɴᴛ Pʟᴀᴛғᴏʀᴍ ᴛʜᴀᴛ ᴄᴀᴍᴇ ᴛᴏ ᴍʏ ᴀɪᴅᴇ. I ʜᴀᴅ ᴛᴏ ᴡɪᴛʜᴅʀᴀᴡ ᴘᴀʀᴛ ᴏғ ᴍʏ ᴘʀᴏғɪᴛ ᴡɪᴛʜ ᴛʜᴇᴍ ɪɴ ᴏᴛʜᴇʀ ᴛᴏ sᴏʀᴛ ᴏᴜᴛ ᴛʜᴇ ᴇᴍᴇʀɢᴇɴᴄʏ ʙɪʟʟ.

ᴠᴇʀʏ ғᴀsᴛ ᴘᴀʏᴍᴇɴᴛ ᴀɴᴅ ʀᴇsᴘᴏɴsɪᴠᴇ ᴄᴜsᴛᴏᴍᴇʀ sᴜᴘᴘᴏʀᴛ. Aɴʏ ᴏɴᴇ ʟᴏᴏᴋɪɴɢ ғᴏʀ sᴏᴍᴇᴛʜɪɴɢ ʟᴏɴɢ ᴛᴇʀᴍ ɢᴏᴀʟ ʟɪᴋᴇ ᴍᴇ sʜᴏᴜʟᴅ ᴍᴇ ʟᴏᴏᴋɪɴɢ ɪɴᴛᴏ ɪᴛ

Safety overeach even when i had sent to somewhere many times, disgraceful

I have been on hold for over 1 hour. They have thanked me for my patience and told me they appreciate me waiting and one of their operators would be with me as soon as possible. How much do they appreciate my 'patience'. I think it will be easier to just cancel the policy and get a new policy over the internet from another supplier. there are plenty of cheaper and surely just as crap suppliers out there.

Terrible experience with CommBank’s Ceba chatbot. I’ve been stuck in loops trying to resolve a simple credit card issue, and there’s no clear way to reach a human. Even after calling support, I was told to use chat—only to be met with dead ends and no escalation path. It’s incredibly frustrating when a chatbot actively prevents you from getting real help. CommBank needs to fix this.

Hi, I did a refinance with CBA, I was with loans.com in QLD for 10 years. The CBA staff member did 90 % of work online. I was refinancing an investment house, not my principal home which was paid off.
Half way through the process the staff member went on his honeymoon and left me in limbo.
I was never told my monthly repayment, how much the bank was charging per month on interest and how much the repayments were going towards the capital browning. I did not agree to a breakfrree package, as I didn't want a credit card. I was forced to close a credit card I had with Westpac, to be forced to take a card with CBA. I was told the mortgage would be linked to an offset account, this never took place todate. The first time I knew how much interest CBA was taking, from the repayment was in December 2024, at the first payment. Out of $2500.00, $2000 was taken out by CBA as interest, i had served 10 years with loans.com , now I had gone backwards and worst off. My principal house was paid off, now I am made pay it the second time, losing $2000 per month on interest. Nothing was explained to me, no comparison was undertaken, withholding important information. I was conned into taking the loan as it was no deal at all. For 6 months, I have written to the CBA, management, customer relations, CEO, no one has cared to resolve the issues. I requested in January 2025, to put the loan on hold till the matter was resolved, as I was in the UK as my father was on life-support and I flew to the UK on 2 December 2024 and only arrived in May 2025 back to Melbourne i have written over a dozen letters calls to the bank, each time, I get the same letter, cut and paste.
I do not want to deal with AFCA as AFCA do not help the consumer, it's always on the banks side. AFCA is funded by the banks and it is a conflict of interest. What can a lawyer do for me. I need to move this case soon as for 6 months the CBA have prolonged the case. Now my loan is on hold accumulated. Now I am going to take legal action against the CBA.

After being a loyal customer for over 17 years, Today without any prior notice, Commonwealth bank decided to close all my accounts.

I have 2 credit cards with one being approved 6 weeks ago at the maximum amount, an everyday account and a business account.

My business heavily relies on my commonwealth bank business account since my online businesse has so many incoming and outgoing transactions per day on this account with funds being put in and taken out automatically from all my partners such as eBay, Kogan, Amazon and Bunnings. I only found out of this outrageous decision the bank made whilst trying to book the couriers for my business orders only for my card to get declined. Then it was followed by my net bank saying my phone has been deregistered. I thought i was being scammed but essentially, they have crippled me and for what reason i asked the staff after waiting the typical hour to speak to their representatives, they cannot disclose but an internal decision has been made to halt their relationship with me. So without reason, although im a long serving member who has paid every single credit card payment on time, hasn't done any fraud what so ever, they canned all my accounts leaving me in limbo and without a way to book all my businesses orders whilst keeping all my funds. They cannot even give me the decency to get my affairs in order or provide the reason why I've been kicked to the curb.

I will be seeking legal advice as a notice of closure 30 days prior to closure should at the very least have been done so i could have gotten all my affairs in order. What this greedy disgusting parasite of a bank has done, and i mean greedy as they earn several billion from hard working people like us, is treat me sub human or actually like a number since they love their numbers.

Put it this way, i didn't even have any money to buy a meal after work since everything i had was with Commonwealth bank and they closed my accounts with the money in them. They just didn't effect my business which i have had to temporarily put a halt to since all sales are deposited to those accounts but i also don't even have any money to make the payments for the postage, to do shopping, my direct debts for my electricity which is due any moment now, they really put me under the bus.

I contacted the CBA specifically for advice on their Travel Insurance policy and was not given complete advice. As a result, a later medical related claim was rejected. I contacted the CBA as I felt that they had some liability due to incomplete advice, but they rejected it as (I quote), 'that as the Bank has no obligation to advise when you should to activate your travel insurance other than before you leave Australia, no Bank error has occurred and unfortunately you're liable for any financial loss that has occurred. We apologise for any inconvenience caused."
If they have people not trained or qualified to give specific advice, they should at least tell you that they don't know all the conditions and can't give advice and that you should read the Terms and Conditions, neither of which they did. This makes a mockery of their Code of Conduct that they advertise so much about.
I have been a customer for about 30 years but will now no longer use them as I do not believe they are ethical and know that their only true driver is profits.

NEVER had a tragic experience with this bank. Except once a long time ago they allowed my credit card to be used to make a purchase even after I had cancelled the order with the merchant. Sometime in 2019 a teller from the bank started asking too many tax related personal questions. In alarm I closed my bank account. I reopend it again after four years and just kept only a small volume of transactions with the bank to be just under the radar.

Made my account go into minus -165 and on the phone for the third day they can’t make the balance go back to normal. Keep waiting they say.