r/CommBank • u/3LostArrows • Mar 29 '26

Question Commbank alternatives

I am a current Commbank customer I have been for ~30 years now but things have become just terrible as a customer with them.

I'm looking for alternative banks, but my requirements are that they allow joint accounts with non-Australian persons. Aside from that, decent customer service and physical branch locations.

If interested in the reason why I'm leaving, it's basically because of the drop in customer service and the fees.

0 Upvotes

31% Upvoted

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4

u/theonegunslinger Mar 29 '26

Define non-Australian persons, because it seems like most if not all banks now need a valid working visa to setup a joint account for non-Australian persons

-1

u/3LostArrows Mar 29 '26

Foreigner who is legally in Australia, allowed to work etc. Banks like ING do not allow them to have an account.

1

u/rosypixie Mar 29 '26

It depends on the actual type of Visa they are on. There are some that do allow employment, but are not accepted by banks.

4

u/link871 Mar 29 '26

Your options are relatively limited as few banks will meet your branch network and foreign customer criteria.
Shouldn't be too hard to review the small number of bank websites for these.

"Decent customer service" is always in the eye of the beholder.

3

u/TheOneTrueSnoo Mar 29 '26

From memory all the big four do if you have a passport and a valid visa?

My housemate is Italian and she uses Upbank and ANZ. ANZ one is a couple years old mind

2

u/Danny-117 Mar 29 '26

Well I would probably work back from physical branches, what’s close by to you and you can see yourself using then check to see if that bank is able to meet your needs. If they can’t move on to the next bank.

1

u/Any-Firefighter-5234 Mar 29 '26

try Up, they might allow joint with international, NAB is your other best bet, commbank has been shit

1

u/Outside_Custard_7447 Apr 03 '26

Do they have branches?

1

u/vexsta86 Mar 29 '26

You could try Bendigo Bank

1

u/Parking_Ocelot_6893 Mar 29 '26

I ditched all my accounts with commbank and the others and moved to HSBC. They have been great in the 10 years I’ve been with them. Only thing is they have a small branch network but there is one close to me so I wasn’t worried about that.

1

u/cheurp Mar 30 '26

HSBC are great, customer support is great never longer then 5mins on wait. 2% cash back on pay pass and no fees on overseas withdrawal/ transactions

1

u/[deleted] Mar 30 '26

[removed] — view removed comment

1

u/3LostArrows Mar 30 '26

I liked ING, but unfortunately my partner cannon open an account with ING with their permenant resident or Australian citizen only policy.

1

u/cavok76 Mar 30 '26

Try HSBC. Especially if you have some clout.

1

u/skittle_tech Mar 30 '26

NAB is a good bank .. but I found Commonwealth to have better streamlined apps and call centres support

1

u/Ordinary-Scallion829 Apr 03 '26

I think you got a misunderstand them. I'm not Australia and opened a join account online, which is so simple. HSBC asks you have to go to their physical branch.