"To far apart "

I have liked the app so far but everything seems to be a bit to spread out for me. Like the setting for your app are at the top right corner but for you to be able to change what order your accounts are it at the bottom on the home screen.

"Ubank Card Blocked - Cant Reset"

I applied for a Ubank card, which was approved approximately two months ago, after I had provided the required identification. I subsequently used this card both in Melbourne and overseas, with money I had loaded onto the card. However, the card, with some of my money loaded on it, was suspended on the 28th June.
I consequently received an email , stating I needed to provide further information, and to click on a link contained within a subsequent email and once I had completed this additional verification, my card would be reactivated within 1-2 days.
As the subsequent email never arrived, after confirming the Ubank contact number with that provided in the email, I contacted their call centre on 30th June. At this time I asked;
• Why my card had been suspended. The operator refused to answer.
• Asked that the email with the relevant email be sent/ resent.
I again called them on 30th June requesting the email. Eventually the operator sent an SMS with the link. As I was extremely dubious I asked the operator to confirm the number from which the SMS had been sent. The operator count not/ would not give this to me but responded by saying I contacted them and therefore should know it was legitimate.
I decided to take a risk and provided the additional information.
I received a reply from Ubank, to a review on left on ‘Product Review’ stating the security of my account was very important to them, and to complete the verification of my details. I replied I had done this and was then requested to send them a private message, which I did.
They responded on the 3rd July asking for my email address and phone number, and they would escalate this accordingly. I contacted them on 4th July asking if there was any progress.
I do understand there has only been a short while since I have tried to resolve this, but I am concerned these people are hiding behind a veil of secrecy and scamming me (and potentially others). This is particularly so as I;
• Have provided additional identification and my email address and phone number
• Noticed a number of other people on Product Review, complaining about the same issue.
Finally, 8 days after resubmitting my ID I received an email saying the video was unclear and to resubmit. Their system accepted it! Again no email with a link.
I have had to contact the call center and have another SMS sent

"Don't ever use ubank"

Don't ever use ubank!

We are trying to do what they call a substitute loan. We have had our home loan with them for 3 years. Basically we are downsizing and keeping our existing mortgage and they just do a title transfer. Pretty simple you would think.
I called them back in February/March to get all the details of what was required before we put our house on the market. All they said was we need to settle both properties on the same day, keep the same or lower LVR, and buy within the same geographical area. That's it. We could do that, easy. So we put our house on the market, sold it with a 12 week settlement to give us time to find something to buy.
We had been looking for months and finally found our dream brand new home.
We have since spent the last 4 weeks trying to get it sorted with them. First they tell us its a policy that we cannot purchase a brand new build home, but they will see if they can do a change of policy request, but... it will take 3 or 4 days. We get approval for that subject to a valuation. So we exchange on a 5 day cooling off period so they can do the valuation but with a short 4 week settlement.
We send them the contract on the Friday night we exchanged and get told approval and valuation will take 3 or 4 days, not sure what they are "approving". On Sunday we get told the valuation came back at purchase price and we are good to proceed bar a discharge form and ID.
Then 3 days into our cooling off period we get an email saying they are waiting for a form, no clarity around the fact they were holding our application for it. We assumed the form was for our sale so it wasn't urgent. I send the discharge form that was requested via email that night and then find out on day 4 that it's incorrect and we should hurry up and send the correct one which they decide to actually attach, so they can send our application off for approval and valuation, wt!
On day 5, our expiry day, the Friday, I complain to the supervisor as we are on a deadline, who tries to justify his team members poor performance until I explain how they should communicate. All I get then is "thanks for your feedback, it will help for other people, but we can't do anything today, sorry. I can't call the team to chase it as they don't have a number" lol, sure. So we had no choice but to ask for an extension to our cooling off period for 4 more days.
On Monday we get an email saying it's all approved subject to valuation, omg seriously they now want to do an on-site one. So for the next 4 days of our extended cooling off period, we have been chasing them every day to find out when the valuation will be booked as our agent has't heard from them. Every day they say the valuer has tried to call, left messages for the agent. 4 days of this. She has had no calls.
At 4pm on our day 4 they call to say its declined as its "not a security they can take on and thats all we can tell you as its confidential". With us both in tears wonder what is going on, we extended again for 3 days and we are seeking finance elsewhere.
The plot thinkens more... hubby then gets a call to say the reason is "saturation of that area for NAB" but we might be able to get it through and we will book a valuation tomorrow for Monday and let you know...... yep that's where we are at and we are meant to be setting in 2 weeks Friday.
Thanks Ubank for ruining our buying experience and making a simple process impossible!
They have already lost one client from our experience as a friend of hubby was about to use them for his home loan until he heard what has happened to us.
Ubank are messing with people's lives and just don't care.

"Is UBank trying to exit the market?"

Are UBank determined to get rid of loyal customers? First we have the fiasco of their changing their sytem which now makes it one of the most un-user friendly among their peers.

Now we have this lates changes to what accounts you can move money from to the incomprhensible "tiered' savings rates. Adding insult to industry they are incapable of telling us what those rates will be. And, oh yes. they now want X2.5 more deposited each month.

Bieeeee!

"There is no longer any reason to use…"

There is no longer any reason to use Ubank. Recent changes have stopped people making direct payments from ‘Save’ accounts. They created a new account type ‘Bills’ but you can’t open a shared ‘Bills’ account so it’s useless for a couple or family managing their family expenses. There are many easy ways for them to solve the problem easily, but they’re not smart enough to work it out. Better off elsewhere.

"Ubank ruining my life"

I have been with Ubank (Part of National Australia Bank) for a few years. To be honest, it is the worst bank I deal with. Their service is awful, selfish, cruel and arrogant. They can lock your account any time even they don't want to tell you the reason. If you want your money safe, you must stay away this terrible bank. Now, I will tell my terrible experience with them. It is nightmare and ruining my life.

In 20th May 2024, I sold $1,390 digital currency to the buyer through Binance Crypto Exchange Platform. After the buyer transferred the money to my ubank account, I immediately release the crypto to the buyer through Binance. However, during that night the buyer called his bank to ask my bank to return all money because he lied he didn't receive the crypto. He was lying. That's untrue. Binance told me he was lying and a scammer. He transfered all my crypto out of Binance and then lied to his bank. Since I reported his fraudulent behaviour, Binance immediately froze that scammer' account.

In 21th May 2024, my bank called me and said they would hold my $1,390 for further investigation but won't lock my account and I still can use remaining funds, meanwhile, they asked me to provide evidence that I had released fund to the buyer.

Unfortunately, ubank broke their promise and locked my account in 22th May 2024 although I provided all evidence. I seriously rely on ubank account because I use it to pay the food, bills, mortgage and even for my new home which will be settled in June.

Since they blocked my account, it makes me in hardship and causes a lot of difficulties in daily life. I tried to call and send emails to them to tell my hard situation and complain their unacceptable behaviours. But they really don't care and always said 'no further updates'. They are so cruel and arrogant.

I must emphasise all the money in ubank is legal and my hard-working savings. They don't have right to locky account and freeze all my legal money. My life is so tough since the account was locked. I asked them to release some fund for my hardship. They said you could ask help from government, charity and other banks you deal with. How ridiculous they are. I can't believe they can say that.

After I called and sent a lot of emails to complain them many time and I still didn't get an answer from them, I felt so helpless and then I complained to AFCA(The Australian Financial Complaints Authority) and told them my hardship. They immediately contacted Ubank and let them reply ASAP. Unfortunately, Ubank even ignored AFCA's request and didn't reply them. How arrogant they are!!!

So far, 10 days has gone and my account is still locked and makes my life harder and harder. If I can choose again, I swear never ever use such horrible bank.

I will continue to seek help from other source, such as media, police and government and tell them how terrible Ubank is if they don't unlock my account.

Remember, if you have account in ubank and you sell your things to other people, your account are likely locked by Ubank like me if your customers are scammers and try to steal your money from ubank.

"Disappointing Shift in Priorities at uBank"

I've been a loyal uBank customer for years, and their recent decision to eliminate direct debits from savings accounts is deeply disappointing. This change is clearly not in the customers' best interest. Now, we're compelled to keep the majority of our funds in a spending account to manage outgoing bills, and we have to deal with the inconvenience of changing all our existing direct debits to a different account.

It's particularly disheartening because I've always spoken highly of uBank's excellent service and customer-first approach. However, it appears that since NAB bought them, they have now decided to prioritise profit over customer satisfaction.

Now they're no different from any other bank... I used to keep my spending money here to earn interest on it but now I'll just be putting it all in my offset account with another bank.

Also, they used to be tech focused but now falling behind, the only 2FA method they offer is SMS.

"Changes remove the only reason to use them…"

Twice in the last 12 months UBank has made changes requiring me to re set up direct debits, one of which involves me going in person and performing an elaborate procedure with another bank. Once they changed their account numbers, meaning all inbound and outbound payments needed to change and now they are removing the ability to have their savings account direct debited, necessitating a shuffle around of money on debit days, effectively removing the automation feature of this account.

They are now just a sub par savings account with warnings of future unspecified changes to even that to come. This is an appalling respect for their customers time and why I will never trust UBanks or any NAB owned subsidiary. The worst part is I haven’t seen any commercial justification for this, it’s just inconvenient for no good reason. If they needed to charge or offer a lower interest rate to keep the feature I would understand, but losing their only competitive advantage seems an act of self sabotage on their part.

"They took my funds and closed the account - SCAM?"

Guys seriously stay away from this bank. I opened an account with them and transferred funds onto it. The first day a transaction got stuck, the next day I found that my app was not letting me login anymore and the day after I got an email saying that my account would closed.
Upon calling them no one wanted to let me know why it will be closed and only referred to the general terms and conditions. Since then I have called multiple times without receiving any other information
My funds are still with the bank, I have no access and they say they can keep my funds indefinitely with them.
I have now raised a complain with the Australian financial complaints authority (AFCA) hoping that I will somehow get back my funds.
I feel this bank is a SCAM for what happened!!!

"I have been using this app and I have…"

I have been using this app and I have made my earning to get paid in this account, without letting you know they blocked my account and asked me to verify my details, I did send my driver licence to verify after 3 days they send me email saying they couldn't verify my details and decided to close my account, Also so called customer service team said if the money if your account belongs to you then it will be processed to another bank in 30 days, what a crap, that's common sense that if the money is there in my account means that belongs to me. Very disappointing service and not happy at all. They have freeze my money for no reason.