Review your last buy on ProductReview.com.au
St. George

St. George

St. George
1.4

1,170 reviews

Positive vs Negative
9%91%
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
Transparency ?
1.5
Customer Service
1.5
Brand Manager for St. George Bank? Claim your listing.
1 SimonB  · No surprises coming here to find the same opinion of STG. 25 year customer, 25 years too many. Backward, uninterested organisation...what more can I say?
1 Ritz  · Want to say that the St George bank at st marys nsw has terrible customer service
1 Consumer  · The phone customer service at Gosford branch is disgusting . Many of my calls unanswered or left messages not returned . I've had enough going elsewhere .
1 Rajib S.  · I must say one of the worst bank in Australia. Poor customer service and application processing speed is too slow.
1 Mehow  · Craptacular behavior! Can't wait to go to a different bank
5 Tímea R.  · I had trouble logging into my account, and Sophie was extremely helpful and professional in resolving the issue over the phone.
john 1604
john 1604NSW35 posts
  Branches

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 branch I asked?????they are all closed.well go to Westpac bank they will help you.sorry they will… Read more

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.

john 1604
john 1604   

In the past days have heard from both St George and Westpac staff.all employees and most… Read more

Edward B.
Edward B.5 posts
  Online

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

Ask the reviewer
al nar
al nar7 posts
  Online

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

Ask the reviewer

Reviews with attachments

  • Thumbnail
Geoff S
Geoff S8 posts
  Verified Branches

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.

  • Thumbnail
Brooklyn
BrooklynQLD11 posts
  Verified Online

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.

  • Thumbnail
  • Thumbnail
  • Thumbnail
KJA13
KJA13NSW46 posts
  Verified St. George

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.

  • Thumbnail
TDD
TDD5 posts
  Verified Online

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.

  • Thumbnail
  • Thumbnail
  • +7Thumbnail
Jo M
Jo M12 posts
  Verified Online

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.

  • Thumbnail
George A.
George A.4 posts
  Online

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

  • Thumbnail
Tracy
Tracy5 posts
  Online

The worst bank.out.Wont let me use my money how I want.Then lock my account Show details

Latest follow-ups

AlA  53
AlA 538 posts
  Branches

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

Kev R.
Kev R.QLD4 posts
  Online

banked with st g since they first appeared, i assume all banks are the same, NO CUSTOMER SERVICE ANY MORE, Closing down branches my nearest is now 30 mins drive, now they tell me i need a mobile phone to conduct my online banking, im 73 and have… Read more

never had a mobile and i dont want one, but they say they will not send me a secure code for on line banking any more to my landline, had to come didnt it! so now i can not conduct my affairs from home, i have to drive , which i dont do, to the nearest branch! all the banks care about is their profits, lets close this down and save money, stuff the customers! we need to take our cash out of all banks. they dont give a d#mn about helping their customers, see how they go with no money in their bank! I HATE BANKS! look at what their xos get paid,for cutting costs. a bunch of NED KELLYS, They tell me one thing on the phone after waiting an hour to get through, then they ring me and tell me i was told untrue advice by the person i was talking to, and recind what i was told, what a shambles this bank is.

 Follow-up  · phone waiting time, lol, over an hour every time!

Find out how St. George compares to other Banks

Know better, choose better.

Compare all
Ralph S.
Ralph S.NSW4 posts
  Verified St. George

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

Maree P.
Maree P.NSW8 posts
  Branches

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

Marlyn C.
Marlyn C.New South Wales3 posts
  Branches

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.

Belinda K.
Belinda K.NSW5 posts
  Branches

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

steve
steveNSW6 posts
  Online

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

Conrad
Conrad
  Online

I wish I had more options to complain about, and I could select NO stars. The St George business model must be to go out of business. I live in a rural location and spent 3 hours driving to Coffs Harbour only to discover the StG branch had just closed and the service, now co-located with Westpac, refused to see me without an appointment. OK, so… Read more

I decided to try the Armidale branch next time, as that is only a 2.5 hour drive for me, but I decided to book at appointment in advance to avoid disappointment, again...

Why do I need to visit? My recently deceased mother had a small amount of money with StG, and I need to create an "estate account" and, to do so (other than already sending reams of information via an email, as directed by the bank) I have to also visit a branch in person to create a new account, despite already having access as a former enduring power of guardianship.

So, can I speak to a human at the Armidale branch to make a booking? No. Can I speak to a human on the centralised St George phone line? No. Do any of the Copilot recommendations on strategies to book an appointment on their website work? No. Does the StG website have usable links or functional navigation? No. I have spent an hour going through insane circular dead ends trying to follow the impossible advice the bank has given me and I just get nowhere. I compare that to CBA where, I can rock up, join a short queue, and then receive prompt, accurate and courteous advice. Really, why would anyone, ever, have anything to do this this unprofessional, incompetent and Kafkaesque institution?

Matthew S.
Matthew S.NSW6 posts
  Online

Subject: Urgent Complaint: Unwarned Account Freeze and Severe Financial Distress I am writing to lodge a formal complaint regarding the sudden freezing of all five of my St.George accounts without any prior warning, SMS notification, or email alert. I have been a loyal customer for 47 years, yet I was left entirely stranded while away on… Read more

holidays.

The app demanded digital identification, but the system kept requesting photos of my driver's licence until it ultimately locked me out completely. Despite my wife successfully lodging her ID, our accounts remain frozen. As a direct result of your actions, we were forced to cut our holiday short and drive home from Port Macquarie to Parkes in a single day, left with only minimal in cash.

The lack of communication and the failure of your digital identity system caused us severe financial distress. I expect a prompt explanation, the immediate restoration of our access, and a review of how long-standing loyal customers are treated.

Recent reviews

Krispin
Krispin
  Online

I have been on the phone for an hour after the first bloke couldn't help me verify my identity - their image recognition clearly needs some tweaks. Long time member, have banked with them for at least a dozen or so years, not sure why my identity needs to be verified in the first place... ... This review will get a response from them before this call gets picked back up. Joke of a service, will be moving. Show details

covo
covoNSW11 posts
  Online

Cannot get a payout figure for 2 equipment loans. Stgeorge does not take the phone calls for them anymore and have farmed it out to a completely useless company. No one can speak english. It is a bloody joke. Have lodged 2 complaints which both gave no info and if I wanted to to lodge another complaint. Show details

Find out how St. George compares to other Banks

Know better, choose better.

Compare all
Darren Becker
Darren Becker20 posts
  Branches

They charge $32 transfer fee to other banks if over $100k. Other option is a bank check …. They charge for bank checks too. You have to attend the bank in person for amounts over $100k.

Darren Becker
Darren Becker20 posts
  Online

Third party app (multi-authentication) required to sign into my direct shares account. They would not grant me access without installing the recommended Microsoft or google app. DISGRACEFULL.

LPA
LPA
  Online

So disappointing. Moved all our loans to them, couldn't get a credit card. Card got lost. Had to cancel joint card...phone service is friendly, but terrible CX processes.

Deeoo
DeeooNSW11 posts
  St. George

The following is text from StGeorge online banking. Accounts can no longer be linked to credit cards at this time. Any previous links set up won't be affected and can be used as usual. If you're experiencing a difficult situation and desperately need your account linked, you can call our Card services team on 1800 028 208 or +61291557800 if you're… Read more

calling from overseas and they'll be more than happy to explore alternative options with you. When I contacted them explaining I was in a desperate situation and need this access they told me they would not be able to assist and could only obtain a debit card from a branch which I am hundreds of klms away from. You cannot even trust the banks own words. I will be moving my accounts to a credit union. StGeorge used to be great but have slid down to the bottom of the barrel in recent times.

Thomas C.
Thomas C.
  St. George

Terrible customer service. Locked me out of my bank account and my own money. Demanded id. I refused and got my money out. Have since asked to close my account three times and they have somehow been unable to do it.

LUK77Y
LUK77YQLD2 posts
  Online

After 10 years with Macquarie Bank, a superior digital banking experience I recently was moved to St George by my broker for a better interest rates. In 7 days I'm already moving it all back to Macquarie. St George is utterly incompetent, inferior digital platform, minimal security that leaves you completely underwhelmed. It's as they've never… Read more

modernised their approach to customer success. Staff are far from knowledgeable, onboarding was a nightmare into the St George world.

This bank would have to be the worst banking experience you will ever find. I will happily pay more to return to Macquarie Bank.

VickiS
VickiSQLD5 posts
  Online

Firstly, I decided to change banks after 20 years of banking with St George when they insisted on more work records even though had $50K in one of my long standing accounts when I applied for a credit card (even though I have a great history with credit cards with them). Secondly, now after 2 years of not using one account, I transferred a sum of… Read more

money which was added to my still existing account, the money was accepted into my account but apparently I cannot use this account online unless I verify my ID! As this bank's AI will not recognise my very legitimate ID, I am now required by these people to make a 120klm round trip as they removed physical banking in my regional area to see a real person to enable me to use my money., What concerns me most is that this bank will accept my money into an account and then not allow me to use it. They take my deposit and then say you have to prove ID before you can make a transaction. Why didn't this lot ask for some kind of special ID before they took my money????

Debbie
DebbieACT4 posts
  St. George

St.George have terminated/ deleted my business banking accounts for no reason. They can’t locate them and no one can tell me why this occurred. I asked them to tell me what grounds a d or and which legislation (that applies to my circumstances) provides them the legal authority to do this? They couldn’t answer. Additionally with all the… Read more

technology they have on hand, I still need to attend a physical branch and speak to a person about my missing account and monies because whilst they can terminate/ delete my account they can’t seem to fix it. This is not only concerning but extremely frightening. Will StGeorge compensate me and my employees when bank debits can’t be processed and bounce due to their lack of governance? @bankingombudsman I truly hope so.

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.