Great Southern Bank Reviews 

Staff are friendly and helpful but without the resources to actually help! 5 stars to the staff but unfortunately they had no power or couldn't achieve my request because they weren't authorised to do so. 0 Stars for the company and their policies for making my life hard and making me wait almost 2 weeks for me to access the money which was locked in my account because I failed to put my log in details correctly! P.s im still locked out my account and waiting for my money to be transferred to a different bank account! Sorry but this has caused a whole lot of grief and running around for something that you would need to at least have fixed within 24 hours! So try not to lock yourself out of this bank if you don't want to be stuffed around for a week.

I have been a customer of CUA (now GSB) since 1968.
But it has deteriorated in it's service in the past decade and it's security measures are now really worrying! I plan to find another bank.
In April this year I received a new credit card in the mail and AT THE SAME TIME IN MY MAILBOX WITH IT the envelope containing the PIN!
Yesterday I received another credit card in the mail (GSB has changed their card provider) AND AT THE SAME TIME IN THE MAILBOX WITH IT was the envelope containg the PIN!!!
And banks tell customers to be very careful with their PINS!!!!!!!!!!!!! Why does GSB even bother with a separate envelope?

Just idiotic! Blocked my account that hadn’t even been used! I called, all they said was my account was blocked due to their terms and policies! I said ok what term or condition did I breach? The woman said I don’t have that information! Then I said well put me through to someone who knows? She hung up! Just incompetent and lazy!

The tellers on the frontline have always been friendly and professional.
They are slaves.
I've been with CUA and Great Southern Bank for 30 plus years.
I have paid thousands and thousands of dollars in interest.
Recently I was desperate to withdraw money out of a term deposit early.
I had medical bills to pay, outstanding bills and no money for food.
All of the frontline reps that I spoke to were sympathetic about my request. One rep was brutally rude to me.
I had zero support from the powers to be. They simply denied my request and left it to the frontline staff to tell me.
I forwarded evidence online to support my claim.
I exposed my vulnerability. They could see I had no money, other than in my term deposit.
I had absolutely no loans or credit cards.
It was my money, and they denied me access to a partial payment.
The care factor is actually zero.
I can't wait to move away from Great Southern bank.
I have empathy for the front-line staff. Even though the reality is that the priority is to hook you in.
My advice to young people. Do your homework and understand exactly what you're signing yourself up for when you borrow money.
It's easy to get caught up in the emotional side of buying your first home.
The powers that make the decisions.
Sorry but your value as a human being.
Is zero.

Sent my spending money to GSB yesterday. Needed to get dinner for the kids.

Called at 6:01pm to say that I couldn't use Google pay or send via Pay ID/Osko, could I please Pay ID to another account? The guy on the phone said that he processed it and just wait a little while before trying. Called back at 7:31 at the takeaway place, Pay ID still locked by the bank but the lady on the phone said everyone went home and she would get on the phone to them right after the call and get them to ring me.

I asked her how are you going to call them if they've gone home? She said that she wasn't being completely honest and they'll call me tomorrow. She realised she messed up, I could tell in her voice, so I let her go.

2pm now and still no phone call, Pay ID still doesn't work. If it was just me, I wouldn't care so much as I'm not a get-angry person. But my kids were affected, what a disgrace, I'm furious.

Last conversation I will ever have with them.

Great Southern Bank has been holding on to my matured term deposit for more than 12 days!

If I could give -100 STARS I would RUN

I will not be continuing with Great Southern Bank after my experience with their home loan services.

Throughout my time with GSB, I encountered constant issues with payment transfers being bounced back. Every time I raised these issues, the response was to blame external banks, despite the fact that Great Southern Bank was the only common link across all failed transactions. No real investigation was done, no accountability was taken, and the repeated disruptions to my payments were simply brushed off.

Worse, GSB’s customer service processes are clearly designed to deflect, not resolve, serious concerns. Despite multiple attempts to raise formal complaints, I was not listened to and my situation was not taken seriously. I was treated as a problem to be managed, rather than a customer to be helped.

This combination of poor internal policies, lack of responsibility, and refusal to properly escalate or investigate serious service failures was a major factor in me being forced to sell my home — an outcome that could have been avoided with proper support. It also had a devastating effect on my credit rating, with long-term financial consequences.

GSB's handling of these issues shows clear flaws in their:

Transaction and payment processing systems (unable to ensure reliable and timely processing).

Dispute resolution processes (more focused on avoiding blame than resolving problems).

Customer communication and accountability (refusing to seriously engage with formal complaints).

Given the importance of reliability and support when it comes to home loans, I would strongly caution anyone against banking with Great Southern Bank. Once you are locked into a loan with them, there is very little genuine support if things go wrong.

Just awful. Rude staff, locked accounts, denied access to my money and account multiple times, card constantly not working, useless staff both over the phone and in branch. Why trust them?

worst customer service imaginable. cant answer simple questions regarding billing cycles and balance due dates. when requesting assistance with above they send inaccurate statements with the pretence of being helpful but really are taking the piss deliberately

Anyone with savings accounts check the interest rate you are receiving, as your account may be 'obsolete' or as we were told, doesn't exist anymore and you won't be receiving the advertised online interest rate.

Been a 10+ year customer with Great Southern Bank, and banked at many different branches in various towns. I appreciate the way they handle security. I hope that it continues. For a larger bank, I still feel that my account(s) is safe from unauthorized access.

Runaway from great south bank as far and as fast as possible , they treat customers as scammer . They hold your money for however long. Once your money is in this bank , it is not yours . Banks are tough these days , but this one is by far the worst .

My father passed away , I wanted to send 50k to an India reputable legit charity trust account for my fathers funeral praying service as my own culture and religion choice .

Called customer Service , the nice support had to ask me the purpose and remind me scam risk before increase my payment limit which is fair .

Second day , I was required to call fraud team , talked to Annal(unsure of spelling ) . Got asked dozens of private offensive questions such as

What for? Who to send to
Who are they
When did I know them
How did I know them
Do I know all of them
How long have I been with them
How do I communicate with them
Why did I open account with this bank
What happed to my other bank …
…….
I gave full authentic detailed answers, I offered to go to the branch to get myself verified . I offered to make a statuary declaration, if anything is wrong , I am full responsible and not after the bank .

I gave them the name of the charity leader , there is phone number for the charity for them to check up on the form .the Guru is widely known and easily googled .

After 54 min questioning , they did not want to send the fund .

I can’t delay my father’ funeral praying service payment , the charity is kind enough to do it without getting paid , but it is wrong to take a free ride for the very critical process for my fathers soul .

I asked them to cancel the transfer and send the fund back to my account asap if they can’t transfer it . And unblock my account .

She told me it takes up to 1-2 business days for the fund to be back .
My account can not be unblocked , it is subject to further review .
After nearly an hour questioning , I cried and asked what’s wrong with me spending my own money for my dead father’s funeral praying service , she hung me up .

Now it’s one full week, my fund is not back . Customer service and branch staff are understanding and trying to help , but they couldnt help .

Apparently, great south bank fraud team made sure some one must be scammer .
They believe it is me or my charity .
I took my Govermemt job payslip , bank account savings to the branch .
I am not scammer , my compassionate charity is pure and innocent .
If someone has to be fraud and scammer in this process , it’s you Ms Annal , it is your fraud team , it’s great south bank .

You don’t send the fund , you don’t refund .
You are too incompetent to know your real people , real customer .
You treat your customer as scammer using the good will “making sure you are safe “
Your system is incompetent to provide the service .

So much stress for the process , it’s more painful to write it but I do it for all ppl to see so that no one else falls into your trap again . They hold your money , not letting you spend your critical money for your safety , same smell as not letting you go to work or seeing your family for your health .

If you don’t want your money to be blocked and held by the bank for your safety , don’t come to this bank .

Can’t even purchase a Nintendo add-on for Mario kart 8 (g rated) because of the fact I’m under 18. Kinda ridiculous how they’re blocking purchases like that just because I’m under 18 when my other bank allows it perfectly fine and especially since it’s G rated and they refuse to change it until I'm 18...

Ok for the most part, savings rate is strong with minimal conditions. Importantly you get refunded all your international transaction fees at the end of the month.

Only a couple of issues where they've frozen my account and withheld my money requiring ID checks, but there were done quickly.

I'm sure I'll remain a customer so long as I don't encounter any further issues down the track.

I feel it is too much to give them one star. Terrible service and leadership.
I went to castle hill branch to open one account for myself. The male staff did not greet, not even introduce himself. While he was sitting on the chair, not even offered me to take a seat. First question was that we only open the account for citizens and PRs. I said I am. Second question was that , why you don’t open the account with other big 4 banks. I was shocked with the service. Should this be his job to tell me what bank account your bank offers to customers. I said it is a silly question from a bank staff to ask their customers why they choose this bank. He said it is their policy to ask this question. Later on I requested to talk with the branch manager. A young lady showed up without introducing her name, she just said I am the branch manager. We don’t ask customers to sit down because some customers hurt themselves in the branch and customers can choose to sit down by themselves. And it is their bank’ policy to ask why customer choose this bank rather than other banks. I was shocked. I thought it is the business manner to tell people your name when you start a conversation. And if you donot want to offer seat to customers, why you still have chairs in the branch. I cannot believe why this bank invested so much money to set up a branch in castle hill but they have such terrible attitude towards their customers.

Steer clear of this bank. Don't know if they are intentionally screw ups or just that incompetent. Multiple issue from the start. More interested in chatting amicably than doing their job, i.e, trusting them to execute instructions correctly with one's money. If you value your money - seek out a credit union. Still waiting 2 weeks later for a $30.00 wire transfer fee credit. Yes, I've brought it to their attention. Customer service is useless.

Rude horrible staff was rude when I paid out my home loan and rude when I try to get a car loan I am going to cancel the car loan

It's their money, not yours. Customer service and there security staff are awful to deal with. After 35years with their services. I have been treated terrible and would not recommend any of their services.

After being a member for many decades I have taken my banking elsewhere. When contacting the bank (on their app messaging platform) to ask for someone to contact me about my home line I was advised "It is best to discuss this with a specialist. Please reach out to our Home Loan Solutions Team directly on ... for assistance." Then when I did this the staff member had no idea of how to process my request. I had several calls to the bank in 2024 and all of them left me scratching my head as to whether I had even called the bank.
Communicating with the bank was difficult, the helpdesk were far from helpful. Everything just became too difficult and staff did not seem willing to help (I actually felt like I was disrupting the staff or asking stupid questions). Weirdly, the only thing that was easy was closing my accounts - I actually got someone who was knowledgeable and helpful.