This is by far the worst bank I've ever dealt with. Opening up a basic savings account which can be done in seconds with AMP, NAB or CBA was the most painful experience of my entire life! If it's that hard to get money in, I don't want to know what it is like to get your money out. Errors along every step of the process when I finally got into my account after about a month my first transaction was transferring all the money back to AMP. Plus they send you this old school hard token you need to use everytime you want to log in or transfer as little as $1 out. Do not use this cheap fly by night bank whatever you do, the extra interest is not worth the headache. 1 star because 0 is not an option.

Rabobank Australia
best avoided - did not have a good experience setting up a SMSf savings account - slow replies, cant be contacted, they use a Digipass which I could never get to work. messy application process.
Poor customer service...wanted to terminate my term deposit earlier due to the Covid-19, couldn't get Jobseeker nor Jobkeeper but their answer was to prove hardship...NO excuse... don't go there.
I've been with them for years and love them. Easy to use computer access that is very secure (I like the digipass) . Interest rate is always good. You do need to pay attention to minimum deposits etc to get the higher interest but that's pretty simple to set up and their 90 day notice account is a good investment in these times of very low interest rates. I have recommended them to many of my friends and family who are all happy.
Opened a high savings account on June 10, and have yet to receive the Digipass today June 22. At the time when opening the account, I have deposited the funds of 6-digit. Tried to call the 1800 number and waited for 40 minutes and still no one has picked up the phone, tried email and again to no avail. I am at a loss of what to do to access my account and my money.
Opened Account , deposited money via bank transfer. There is no way of knowing money has been received until their welcome pack and digipass device is posted , a simple text message or email alert that money has been deposited into my account that day or overnight would be appreciated , also waiting a week or so for welcome pack and digipass device to activate online account access is ridiculous, why not post it so its received next day even if you charge me the postage fee.
The most frustrating, inept, belligerent group of useless (Lack Of) customer service people I have ever had the misfortune to deal with. All funds removed.
Had a very positive experience with Rabo this morning and my issues were resolved quickly and easily. There are some horror story reviews on here but the woman I spoke to could not have been more helpful.
As the others have said, STAY AWAY from this mob. They wanted to know where I obtained my initial account opening amount from, despite its coming from a reputable banking establishment. They would not process my account until I explained this. I have a disability and the money came as a result of a court determination. (I see no reason why I should have to divulge this!) I also have a child to look after. They DEMANDED to know about my personal life. And then I came into contact with the robot Rowan. He would not let me talk to a supervisor and said someone will get back to me in 2 days. Am still waiting. Have taken my complaint to the Anti-Discrimination Board and the Banking Ombudsman. Have no idea where my opening money is as you cannot access your account until you answer their questions and their machine arrives. Repeat: Stay away. They are obviously not from this planet and have no idea about privacy issues, courtesy and being human. Again, STAY AWAY from these aliens. Wanted to give them ZERO stars but can't.