I have been a customer of Directshares, (Part of St George) and it WAS great. Now their new security step has made this platform from user friendly to absolute rubbish. The IT idiots should be sacked. I will be moving my stocks and closing my accounts. Very disappointed, they will lose 50% of their customers with this change Show details
Been happily using St George Direct Shares for 10 years. I am also a retired banking system consultant. However, St George Direct Shares have recently introduced “extra security” steps to login which are poorly designed, and essentially unusable on an iPad. It is a complete dog’s breakfast, brittle and unworkable. I am moving all my share holdings to another share platform… one that has a workable security setup.
Don't waste your time on cashback offers. Their pending transactions are taking forever to be cleared which pending transactions do not meet their cashback requirement, so cashback is simply a scam in a legal way. Same merchant same bank transactions took 2 days to be cleared if you make it before the 26th of the month. Transaction after that they… Read more
will hold it until next month that makes you no way to get their cashback, because they say pending will take up to 7 days (bullshit). Same merhcant other bank transaction also takes 2 days but always 2 days whenever I make the purchase.
Reviews with attachments
Great home loan rate and excellent service – I switched lenders to St George back in late 2020, to take advantage of the $4000 rebate to new customers. Fantastic no-strings attached offer and I am amazed to see it still on offer for new customers. I've locked in really good fixed-interest rates too on my mortgages. The staff at the Cessnock & Maitland branches are pleasant to deal with; no… Read more
"up selling" and minimal wait times. The loan staff in Sydney (and in branches) were easy to communicate with, even during peak COVID. If you currently have a home loan with a lender which is outside the Westpac group, I highly recommend that you apply today to switch to St George and take advantage of the rebate offer.
10/08/2023 update: I recently obtained finance from St George (Cessnock) for an investment property and had a fantastic experience dealing with St George mobile lender James Warren - very efficient at processing my application. He arranged the relevant property valuations very rapidly and had my loan application processed faster than I could have ever imagined. He was happy to honour a late request that we put to him just before property settlement. I have great terms on my property loans (low interest rates and low fees).
I will always remain a loyal customer of St George Bank as long as I can deal with James for my finance needs.
6/04/2026 update: I recently purchased another investment property with finance from St George and received outstanding service and assistance from Judith Nguyen - Lending Manager. While most people were on holidays, Judith worked hard in the lead up to Christmas last year to refinance our existing St George loans and to secure finance for us on another investment property. Judith's assistance has leapt us along our property asset acquisition path to financial stability and security for ourselves and our young children. We recommend Judith to our friends and family.
St George Bank is the worst bank I have ever dealt with. My experience has been extremely disappointing for several reasons: I had to wait over 40 minutes just to speak with a customer service representative. My only request was to obtain a closing statement for my term deposit, as St George charged an early withdrawal penalty. Despite multiple… Read more
requests, the bank has been unable to provide an accurate closing statement. The online banking team repeatedly makes promises that are not followed through, making the service unreliable and ineffective.
All the staff just copy & Paste what the other support staff says, they clearly have been trained to deny all this. You’re supposed to help customers, but you’re going against “Customer Service”. I supplied the bank and AFCA the supporting documentation that proves the banks complaints manager pressured me to accept her offer of only $500.00 and… Read more
you rejected my request for $5,000.00 If I could upload all my documents here I would. The banks terms and conditions contradict each other as stated in the letter attached. What a disgrace.
When you dispute a transaction, it does not give you the option of uploading the documents for evidence. You have to wait several days and then they send you a text message about 1am or 6am to say they have sent you an email with further instructions. I currently have 2 disputes and get the text messages but I am not receiving any of the emails, I… Read more
have to call them each time to ask what the update is.
When I call, I have to explain the situation each time and the staff always ask have I checked my junk email folder despite me telling them already that I have, they make me jump through hoops to identify myself and they usually refuse to let me speak to a supervisor.
It is an incredibly frustrating procedure and St George Bank claim that they do not have a tech department but it is apparently a huge secret as to who maintains their app, website etc. There is apparently not one person at St George bank who is able to fix the issue of me not receiving their dispute updates via email.
A supervisor named Jasmine is currently handling my case and she phoned me tonight at 10.16pm tonight! So I get woken up at 5am on a saturday morning, 6am on a sunday morning, 12.55am on a work night etc with irrelevant SMS notifications for emails that I never receive!
I have been with St George for about 30 years but once my current disputes are finalised, I will be changing banks over this issue. I am sick of it and as they claim they do not have a tech team who can fix it, I am not prepared to go through this again. I will be opening a new account with Suncorp Bank tomorrow and transfering over everything and once everything is transferred over then I am leaving St George. These staff get paid to talk to me on the phone, I have been offered nothing except for lame apologies for waking me up at ridiculous hours and spending hours having to contact them for updates.
I feel like I am being ganged up upon by the retailer who ripped me off and by St George who refuse to fix this known issue. I have an account with Suncorp for savivg and have never felt bullied by them.
EDIT: 2 april 2026 St George closed the dispute claiming that I did not respond to their email asking me for further information. I didn't get their email and they know it! I asked as a goodwill gesture for all the time I have spent on the phone with them and them not fixing the problem if they will credit my account $58 and they said no! They said that I have to start the entire process agaian, I have to make a new email account then lodge a new dispute - over $58!!! This bank makes billions of dollars in profits but they refuse to give a disabled pensioner $58 to save everyone a lot of time and stress.
They are still claiming they don't have a tech team to look into the email issue. Apparently their website and app magically run themselves, there is not one tech person in St George bank! I have been with 5 different banks in my lifetime and St George is by far the worst. I don't think their call centre is in Australia either as every person I have spoken to has had a strong accent and I could barely understand them.
I'm starting to wonder if Temu has offered a bribe to one of the supervisors at St George to make this situation go away.
I’ve been a St George customer for over 40 years, across multiple accounts and home loans, and this is easily the worst customer experience I’ve had with any financial institution. I identified a series of unauthorised transactions on my account and contacted St George to report what is clearly a fraud matter. Instead of being handled… Read more
appropriately, I received incorrect advice suggesting I would need to resolve this with PayPal simply because I have used their service before.
I experienced multiple wait times exceeding 30 minutes, was denied escalation when requested, and most recently had a call disconnected halfway through the verification process with no follow-up.
To make matters worse, my formal complaint was closed without any meaningful engagement or attempt to resolve the issue (see attached image).
For a bank of this size, this reflects serious issues in staff training, complaint handling, and basic customer care. Long-term customers should not be treated this way, particularly when reporting fraud.
I have now been forced to escalate this matter externally to AFCA.
- +7
Zenik Mortgage Broker Fraud covered up by big4 including St George Bank - A division of Westpac St George bank should come clean to the Australian public about the amount of mortgages which were issued to Chinese fraudsters. To date they have swept this under the rug and Australians like myself, are now having to rent defected properties from… Read more
broke butt criminal Chinese landlords.
All they have said is that there is no arrears but I am renting a property which I am certain is one of these fraudster mortgage holders and they haven’t even paid their mortgage for years. Actually they have two mortgages and neither have been paid.
St George offered me $5k to vacate which was oh so generous of them but what I would really like is for them to cancel all of the fraudulent mortgages and bring criminal charges against the applicants. I’d also like deportation for any which are living in Australia.
The least you can do St George, at this late stage is to make the Australian public aware of the addresses of the properties so that Australians can avoid renting or buying from them.
I've called 3 times as I can't create a new credit card application as it says I have been a customer in the past and to call them. The phone AI agent hangs up on me every time. I've tried 3 times now. Someone needs to be sacked for this. I feel like they must hate their customers
The worst bank.out.Wont let me use my money how I want.Then lock my account Show details
Latest follow-ups
What is happening to our once great customer service banks.needed to activate my new St George card called the number on the letter sounded like an off shore call centre maybe sub continent was told No we can't do it you must go to your branch.What… Read more
branch I asked?????they are all closed.well go to Westpac bank they will help you.sorry they will only direct you to the ATM.asked could I speak with a team leader told no finally got through 1hour later.yes a call centre on the Gold coast staffed by under trained non speak english staff or should I say not understanding english.as a result this person has red flag my account of over 30 years.i ask how many others has this happened to surely the bank is aware of this.not happy at all.
Follow-up · The matter was resolved after finding the call centre employee has not understood my request I would suggest do to his lack of english.a trip to the local Westpac and the problem or should I say should never had been a problem was resolved.my suggestion is don't waist your time trying to phone st.george bank call centre for help GO to a branch for excellent service.
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I will be closing and cancelling all my cards with St George. They allowed my "savings" account to become overdrawn by $1800 after Expedia charged me twice by mistake for 2 airline tickets. St George refused to say why my savings account was allowed… Read more
to be overdrawn because I had inserfeicient foods in my account. I will be closing all my accounts and I will reporting St George to the financial services regulator. So much for the Royal Commission. 50 years with St George and this is how I get treated.
Follow-up · St George bank has zero customer focus with customers expected to talk to a computer I was treated appallingly The only redeeming quality was the hard working customer service person at the St George bank Gosford who helped me with by banking issues. Apart from that I'm in the process of closing all my accounts with St George bank
I would give a Zero if it was an option. Three main complaints, Interest Rate way above any other product and was actually 10.17% before the first recent Reserve bank cash rate decrease. That is not a misprint!! Second complaint is the Account… Read more
keeping fees, up until recently I was being charged $5 per month for the 'privilege' of have an interest offset facility and a further $8 per month as an Account keeping fee. ON TOP OF 10.17% Interest Rate. Totally Unjustifiable. Unfortunately, I had very few options when I initially took out the loan as not many institutions offered SMSF Loans on property. My final complaint is Customer Service. There has never been any contact from the bank until recently. I took out a modest loan in 2014 and have done my utmost to pay it off as quickly as I could and now, I only owe a small amount. This has prompted them to ring me and ask if there's anything they can do for me. I told them everything that they are doing wrong, but it's more important that I tell you, the potential customer, what they don't do right and the treatment you can expect if you do bank with them.
Follow-up · I'm just doing a follow-up review from my original post back in May 2025. Just to be clear of the loan I had taken out; It was a SMSF Loan. The interest rate was variable and the interest rate was as high as 10.12% at the peak in the last couple of years of the loan. I don't know about anyone elses experience with a SMSF Loan but no matter the… Read more
Positive reviews
I was just served by Bella at Glendale St George. I was in a bad situation and had lost some money and was trying to deposit a check. She was kind compassionate friendly and made me feel that everything was going to be okay thank you Bella. Show details
The best bank ever, I had personal loan, credit card and home and contents insimurance with them.I noticed that my physical address do not coincide with my registered address, I asked them if it is safe that my physical dwelling is at the back but my registered address is at the front which is 6a, they said I have to have it settled with my… Read more
Landlord first, and they stopped charging me my home and contents insurance and returned some amounts to me as I was paying with a wrong address.
They are very honest , most of the staff per se, however I can't perfect any branch, I avoided someone who talks so fast and a bit manipulative, she wants quick transactions without explaining very well, she is after a quota.Thank God she is not in Macarthur Square Branch anymore.
Last time I saw her was in Campbelttown branch ,but it was close.
Anyhow aside from that particular dodgy lady, everything is fine, whenever I go to St George before, I avoided transacting with her, I rather go the back the following day and be with another staff.
Macarthur square branch and all other division, be it phone banking, they are all good.
The safest way to do banking, they call me whenever they see suspicious transactions.They call me straight away.
If not because of that very intrusive staff, who talks so fast and wanted to decide for me, which is not right, I could give St George Bank 5 star.St George Bank is humane, they have humanitarian heart.Not a robber.
I have been with St George for 20+ years. After a horrendous experience with CBA. I am happy with them with all experiences, including in branch customer service, the banking app and phone support. Nothing beats being with a financial institution that doesn't make huge changes that ruins something good. I also want to note - recently they were… Read more
very helpful in getting me my credit card. I was desperate to change from Coles Mastercard to a more reliable banking system. They went above and beyond to help me and I'm so happy I can get rid of the other one.
Negative reviews
Purchased a wipper snipper of line they Took my money as soon as I clicked on the freaking button, then started sending me emails for more money for delivery, I said please refund my money, it's in my bank under pending not in my account & I'm DSP, have apparently to wait for 7 days now ? To get my own money , very disappointed with my saint… Read more
George bank, think it's very very rude & caused me undue hardship waiting that long to receive my own refund, it's nonsense yet I pay the same Day,& now I have to freaking wait for 7days to receive my own freaking money WTH putrid scum bags corrupt st George bank
This branch is makes me re-think which bank I'm with. This bank goes downhill every time I'm here. This NAB vs St George line up system to withdraw cash is a bit of a joke. When I was finally served after waiting the longest "just one second", the pin pad wasn't working, and the mag swipe reader wasn't working on the keyboard.
Having been with St George for decades I’m now disappointed with the lack of service provided. Branches have been absorbed into Westpac branches and rarely is a specific St George staff member available. I’m told regularly to phone as Westpac staff don’t have access to all my information. Phone wait times are excessive and that’s if you even get… Read more
through… more likely to go round in circles with automated responses. I recently notified St George that I would be overseas and listed the countries attending, and still got locked out of my account. Main issue was the inability to receive secure codes for validation and there was no option for these to be sent to my registered email. That meant I couldn’t check my balances or transfer funds for a month … very stressful. St George now behaves like an online only bank however without the better interest rates. I honestly feel that Westpac are deliberately sabotaging St George so that it can eventually be shutdown.
Recent reviews
Been with St George for over 30 years but not much longer. My wife and I have a joint account, We used to be able to make payments in either name, but now only in my name. We have SMSF and the contributions MUST be in the correct name, so I tried to find a way around this. All the "Help" gives you is Georgie" the online (useless) assistant. Could… Read more
not get it to understand what I needed. Called 13 33 30 - couldn't get through to an operator - only Georgie. Eventually, 20 minutes later, told the phone if I didn't get a human operator I would close my account! Got to speak to an extremely arrogant, rude young man, who wouldn't listen and kept interrupting and talking over me. He kept telling me to use my wife's profile and I kept telling him she did not have one. He insisted if we had a joint account, she must gave one. Eventually my wife took the phone and told him she had never done the banking, and never had a profile. She asked him to give her the profile details. He insisted that I leave the room (which I did not do), at which point he searched and had tp admit she did not have one. Finally we were to create a profile but St George wasted well over an hour of my time, and the rudeness of their operator absolutely amazed me.
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we have been banking with St geo. for over 50 years, our first and second home with the aid of st geo. all loans paid off ahead of schedule 15-20 years ago no major problems. The trouble started when branches started to be closed about 20 years ago. Our local branch became an ATM terminal only, closest actual manned branch over 60km away.… Read more
Inconvenient but not a game changer. The transition to online banking was not all that difficult, we did not need much in the way of face to face service. Then slowly at first, then quickly speeding up was the inability to speak with an agent. IA interface with limited option choices and very annoying repetition of exactly the same answers over and over to multiple questions. Now a very threatening first contact form letter was received by both my wife and myself regarding an identity check and confirmation. Very funny at first, they even still had our paper property deeds in the safe deposit. We had 6 weeks to comply or all of our accounts would be subject to unspecified "RESTRICTIONS". We had 4 accounts, a transaction account for the receipt of our pensions and superannuation payments, a savings account, a small debit card account used for transactions where the account number etc would given out, to reduce the risk of greater loss (on-line purchases and direct debit of regular bills usually) and finally a small limit credit card for use where cash was not accepted or convenience. We are now both over 75 years old but still healthy, active and alert, but my wife does not use a computer or like dealing with situations on the phone or with a machine. We were informed that we had about 6 weeks to comply before restrictions would be imposed. We tried to verify on line and got a mechanised runaround. We tried contacting 2 branches by phone, answered within seconds, informed that a staff member would be with you soon. After exactly 2min. on hold the line was hung up. This exact thing happened 5 times at one branch and 3 at the second. We ere unable to contact any agent on the main numbers, just a machine list of non-related options in a loop. Yesterday we went to our usual ATM for a withdrawal and was informed the transaction was refused because of "ACCOUNT RESTRICTIONS" Am I "P*SSED? bloody oath I am. We have made an appointment with the only bank still with a staffed branch near us to arrange the transfer of all our banking needs.
I have been trying to get through to St George to get my phone number changed on my Payid. You cannot do this in your banking app that has all your other details and money in it, you have to call them. I have called over 10 times today to talk to a human to do this and have tried all choices that you have and nothing. you cannot get through to… Read more
them. I can't go into a branch because there is only one branch in WA and that is in the city, i work banking hours so won't be doing that. If i could have put no stars I would have.
I have been a St.George Bank customer for 35 years. Unfortunately, I won't make it to 36. St.George used to be a great bank. Since being taken over by Westpac, it has become one of the most frustrating institutions I have ever had the displeasure of dealing with. Clunky, outdated systems. Miserable interest rates on savings. No-reply emails.… Read more
Hours spent on hold. Being transferred from one wrong department to another. And trying to get even a relatively simple problem resolved can become an exhausting exercise in frustration.
After 35 years, I AM OVER IT.
GOODBYE ST.GEORGE BANK.
35 years of loyalty clearly doesn't count for much — and I certainly won't miss you.
waiting time is always over 1 hour, last time for me it was 3 hours, twice my phone run out of power waiting, had to ring 3 times to get through. I AM CALLING FOR ALL CUSTOMERS TO WITH DRAW THEIR FUNDS FOR THE MONTH OF OCTOBET 2026! They are making billions and doing nothing for you. Show details
My bank chose to close my account because I didn't give them a photo of my face in their specified time, despite there being nothing suspicious about my transactions, nothing about me having changed, not trying to contact me at all outside of my email address and knowing who I am since I was 18 years old. When I gave them a copy of my license and… Read more
face and asked for my account to be opened again, the cards were still cancelled, all my regular transactions had to be set up again and it took over a week for things to be set right.
When I lodged a complaint with AFCA, the bank called to discuss my complaint but when I couldn't answer, they did not answer my return calls on multiple occasions, even when they advised they would be available.
AFCA advised me they weren't able to help me as I wanted for this not to be able to happen to anyone and they will only help individuals.
After closing my complaint, I found out AFCA is not impartial and are funded by the same financial institution it is meant to mediate for.
This is a corrupt and authoritarian system that uses coercive control to enforce their arbitrary rules.
I still have my bank account with St George because I can't find a financial institution that isn't part of this same machine.
Can't get responses via phone as no-one answers. Online banking and the app doesn't work and they are preventing access to my money without advising me why. Terrible service
Terrible bank I have been with St George for over forty five years and I am now in the process of switching banks If you are looking for a bank with zero service then I suggest St George is your bank. If you want to talk to a computer bot then St George is your bank. If you want to talk to a human being then I suggest that you shop around because St George is not the bank for you
Currently trying to speak to a staff representative. What a joke that is. Its now apparently done through St George App. No human can take my call, even if they wait on hold for an hour. Customers dont get a say in it. On what planet does a major Bank shut down its incoming call facilities for customers? As soon as I have spoken to a staff member… Read more
and withdrawn my money I will be closing my accounts and moving to another bank. Not in a million years did I see the day coming where profits were so important that it meant getting rid of customer staff in favour of robots through some stupid app
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In the past days have heard from both St George and Westpac staff.all employees and most… Read more