Westpac Arvostelua 

★★☆☆☆ — Westpac startup lending experience
I approached Westpac seeking $25,000 of production funding for ZEADUSA IM.POSSIBLE™, a publishing project that has already progressed to a completed 238-page / 119-spread book architecture.
Over approximately six weeks I supplied the financial information requested, including our Statement of Position and financial statements, as well as the project's Master Book Index so Westpac could see exactly what had already been developed and what the funding would be used to complete.
The proposed funding was for the final commercial production stages — professional proofreading, typesetting, prepress, printing preparation, e-commerce and launch — rather than funding an undeveloped idea.
Ultimately Westpac declined the $25,000 request and suggested approaching our existing bank, which was disappointing after the time and documentation involved.
I respect Westpac's right to make its own lending decisions. My criticism is of the process and usefulness of the startup proposition from an applicant's perspective. After roughly six weeks, I came away feeling that the process offered limited ability to assess a developed but unconventional intellectual-property/publishing project beyond conventional lending criteria.
Two stars for Westpac overall. The communication was professional, but based on the time invested and the eventual outcome, the startup funding pathway did not deliver what I had hoped it would.
ZEADUSA IM.POSSIBLE™ will continue regardless.
Order over chaos. Always.

If you get scammed forget your money. Some low life scammer placed an order of $200 in countdown click and collect. while my card replacement card was in post being delivered to me. Called them to stop the payment but they have done nothing even did not provide transaction ID or any details. Closed all my account ever since. Never going back.

After 40 years banking with Westpac, with several bad experiences recently, we have pulled our investment out, gone to another bank, and now have a personal banker (due to amount) to call on at any time... later losers...

They helped me in my hardest.. dated 7 august ..2026

I am so angry they blocked my purchases online, even though I put in the appropriate verification codes. When I called, they said they suspected fraud and so had blocked my card. But did they call me? No. Then he asked me a barrage of very intrusive and condescending questions, and I ended up hanging up on him. He was SO rude.

Terrible car insurance. Lengthy process - a month of no car (still waiting) fee of $25 a day for a rental (would already be down $700 if i could have afforded to pay that)
They started good offering to pay for relocation (getting home after car was stolen) but everything after that has been a farce. Phone calls are on hold for 20-50minutes and "case managers" havent got a clue what's happening. No replies to email and "we'll get back to you by Wednesday latest" actually means nothing. Meanwhile theyre still taking insurance money out of my account??? Waste of money going for full insurance. Don't do it with them - IAG is horrible and I doubt tower will be any better since they've taken over. Hate that i have been giving an awful company money for how many years.

I was locked out of my account and they solved it so easily. The lady was so kind and helped me very quickly.

These guys gave me the best loan for my investment property. Thank you westpac :)

I have banked with Westpac for over 40 years. So did my parents.
Have invested in term deposits over decades.
In July 2025 responded to Westpac email and stated that I wanted paper statements in future (as have always in the past). What a farce.
Mailed Interest and Maturity. notices completely stopped.
Electronioc Interest and Maturity notices not sent consistently.
No correspondence has _ever_ been replied to, although the auto reply assures reply in 3 business days.
Still not sorted out correctly after 6 weeks of multiple calls. Promised statement/notices never arrive. More phone calls. More explaining about all dates missing.
All calls go to Auckland. Repeated requests to speak to local branch ignored. Representatives can’t transfer your call. Can’t give me ( the customer) the telephone number of my local branch.
Local branch has not called me.
Call centre person refuses to identify themselves so no one is responsible/answerable or traceable for information (or lack thereof) given. Assurances of “Yes, that will be done” … it is _not_.
Call centre option 4 for Term Deposits means nothing. Same pool of untrained/ill informed representatives.. Some representative very polite, some clearly should not be dealing with the public (they are clearly not service oriented).
E-mail correspondence sent attention Supervisor (stated his name) . No reply.
Westpac is losing my business as my term deposits mature.

Was scammed on the purchase of a flight on an online platform via credit card. Disputed the payment through Westpac Card Services for months with no helpful response. Finally told that I had to take it up with the merchant who never responds. Out of pocket over $2000, would never use Westpac Credit Card again.

Visited the Riccarton Westfield branch today (Friday 27th March) to present Welfare Guardian and Property Manager paperwork in order to act for my Father and to receive statements for the court. My father has vascular dementia and I am his sole carer. Before entering the branch I had spoken to two customer service agents over phone to ask what was involved and what I would need to complete my tasks (ID, court papers etc etc) I was told it would be a simple task. As I have no license and my passport had expired I would need my birth certificate and another valid ID. No problem.
I checked again in the central city branch on Tuesday 24th of March to see if this information was correct and the customer representative stated that it was. She checked the court documents I had and said all was in order I just needed my birth certificate. Once found I headed to the fore mentioned Riccarton branch.
There I was met by rudeness, hostility and ineptitude. Firstly the first customer representative at the counter could not fathom my court papers and for over an 90 minutes she floundered and when she could not comprehend it I received no help or empathy from her only attitude.
She had also mistakenly pulled up another customers details (which she then detailed to me…address and other personal information) believing I had an account with the bank, when I had already stated I did not, only my father deemed to bank there, Once corrected she then began making phone calls and ignored me completely. When her calls were completed she asked for proof of address through a utility bill (when I was not told that I would have to provide that). I informed her I did not have a utility bill and she told me to bring one up on my iphone, I stated the obvious that my address was on the court papers provided. Annoyed she then took my papers and photocopied them (multiple times)
Clueless she then called another customer representative to consult with her. THIS customer representative (cough) was an old (hag) women who offered no assistance other than to tell me to remove my cap (which I had been wearing inside the bank since I entered) I did so and she proceeded to leer and scoff with her (cough) colleague.
Side note I have my own heath issues and am undergoing treatment causing my hair to thin.
When I informed the hag that my information had verified by another branch the supposed customer representative told me to “go back there then”.
When it was obvious no progress had been made a Manager called me in to her office. Where I sat for another 30 minutes. She was kind and empathic but absolutely no help and only repeated the process I had been through earlier (photocopying papers etc) She eventually informed me that I may need further papers from the court (when I had been told that everything was in order in another branch and over the phone)
I told her that the bank statements were needed before the 16th of April she assured me that she would put a rush on it and I would be her highest priority. I was then promised she would call me at 4pm to inform me of my status. Fed up I left.
4pm came and went,no call.
What can I do I followed both the court and Westpac instructions to the letter, I need those statements or I will face repercussions. Although not a customer Westpac should still provide me with customer service. They should also show humanity in difficult circumstances.
I have heard tales of how inept and revolting Westpac is and I now have proof. I am astonished at their unprofessionalism. I feel sorry for all those individuals that have to conduct business with them. If given a choice DO NOT BANK HERE, TELL YOUR FAMILY AND FRIENDS.
Yet another sidenote when I entered the bank the customer in front of me was requesting to withdraw $48,000 in cash for gold and (cough) charity. He was a young man who they did not question. Although in my humble opinion they probably should have. No of course not…him they were more than happy to help.

Please avoid this bank at all means .I have closed all my long term investments and dealings with the Westpac Wanganui branch after having my eftpos card blocked by the reiginal Manager .
Being and investor and customer without any debts for over 30 years its not what I would call a creditable bank with any form of customer appreciation .My reccomendation is get out of this Bank as soon as you can . I have immediately opened investments & accounts with ANZ and KiwiBank ...which both offer very pleasant and user friendly services without the arrogance of the Westpac stratigey .
Sadly 1 star is way too mach for this shocking Bank .

If you enjoy being gaslit by customer service, paying extra for outdated technology, and watching your money sit in limbo while "security" protocols are used as a weapon against you, then Westpac is the bank for you. For everyone else: run.

I have been trying to process a straightforward KiwiSaver transfer to my Australian Super, and the experience has been nothing short of a dumpster fire.

The "Groundhog Day" Support: I called seven times. Every single time, I was met with the same robotic script: "It will take X amount of days." No updates, no confirmation of what’s actually happening, and zero assurance that anyone is actually working on my file.

Weaponized Security Checks: On my eighth call, after providing the exact same security answers I’ve used successfully seven times prior, a staff member decided to "fail" my identification. It felt like a deliberate tactic to get me off the phone because they couldn't answer my questions. Now, I’m stuck in a "verification process" that is as convoluted as it is unnecessary.

Living in the Stone Age: In 2026, Westpac apparently hasn't discovered email. They refuse to accept digital documentation, forcing me to pay out of my own pocket to physically mail papers. It is slow, inefficient, and a blatant disregard for the customer's time and money.

Westpac is slow, outdated, and incredibly untrustworthy. Their systems are archaic, and their staff seem trained to stall rather than solve. They are happy to hold onto your money, but they will make it as painful as humanly possible for you to move it.

Save yourself the stress: Do not bank here.

Great Bank, Great Service, Great selection of Accounts from no fee Accounts to low/mid fees. Great App Great security. Since joining them i have been happy

In General lately awful services.

Today I tried to gather information to receive an international transfer in USD and different information from Facebook team and call center over the phone. Attendant over the phone should be tested for ADHD.

Previously I had issues for approximately 45 days and someone pressed button on

I went to the kilbirnie branch today in the early afternoon. The Indian lady at the counter is incredibly rude and arrogant. She doesn't seem to be interested in her job at all. Such behavior is absolutely unacceptable. I'm sure a big institution like westpac can afford to employ better quality staff. I sincerely hope that the bank's management can look into the matter, before the reputation of the bank gets tarnished further and lose more customers. Personally, I will stop all dealings with Westpac as soon as I can.

Card got stolen, Westpac handled the situation well and issued me a new card well before my flight to China.

Only negative is that they could not seem to get on the same page about how long things would take.

I went into a Westpac branch intending to open a new account. While waiting in line, I was approached by a staff member who asked about the purpose of my visit. I explained that I wanted to open an account and mentioned that one reason was to receive foreign currency payments and exchange them.

The staff member told me I would not be able to open an account based on that reason alone. I clarified that foreign exchange was only one of several reasons I wanted the account, not the sole purpose. Despite this, she maintained that I would not be approved and did not appear open to reconsidering or discussing alternatives.

The interaction felt dismissive and based on an assumption rather than a full understanding of my needs. As no compromise or further explanation was offered, I eventually walked away. Overall, the experience was disappointing and not what I expected from a major bank.

Very rude and unhelpful

In the time we've had a mortage with Westpak, maybe 2 years all up, we disliked every single interaction. Their bank app is hopeless, their call staff unhelpfull. Their rates always felt higher than everyone else and always slower to drop than anyone else.

We just always felt like Westpac was completely out of touch.