2025-11-17
Poor customer experience with cardless cash
Changed the Cardless Cash limit suddenly without informing users
Updating
-3
#42 in Top Free Apps
±0
#3 in Top Free Apps > Finance
iPhone Screenshots
Description
Welcome to Australia’s best banking app^ 16 years in a row. Join 9 million people in Australia using the CommBank app.
There’s so much to love:
Bank on the go
• Transfer money, pay bills and check your balance in real-time – all from the convenience of your phone
• Make fast payments to a PayID (1), account number or BPAY®
Get more with CommBank Yello (2)
• Access benefits, cashbacks and discounts in the CommBank app with CommBank Yello - our customer recognition program
Discover smarter banking
• Track your spending, manage bills, set savings goals (3) and more with Money plan
Access the latest security features
• Verify calls from CommBank with CallerCheck (4)
• Delete cards from digital wallets if you lose your device
• Avoid billing scams & mistaken payments with NameCheck
Get 24/7 support
• Get instant help from our virtual assistant Ceba or connect with a specialist who will message you back
Access flight & hotel offers
• Discover Travel Booking provided by Hopper
• CommBank Yello Homeowner & Everyday plus customers get 10% back on all flight & hotel bookings (5)
Stay in control
• Manage your card settings & PIN, report lost, stolen & damaged cards, or lock your cards temporarily
Separate your business & personal accounts
• Set up a business profile & get a clear view of your financial position
You can download the CommBank app for free. Plus, you can discover even more benefits by visiting commbank.com.au/app.
Your phone’s language needs to be set in English and to the Australian region for an optimal experience.
^ Canstar’s 2025 Bank of the Year - Digital Banking Award
® Registered to BPAY Pty Ltd. ABN 69 079 137 518
1. For security reasons, a hold may apply on first time payments. The delay allows fraud security checks to take place and gives you time to alert us to unauthorised or suspicious activity on your account. Subsequent payments should be received in under a minute.
2. Ongoing eligibility conditions apply to CommBank Yello, see commbank.com.au/commbankyello for more information and the full terms and conditions.
3. Setting savings goals requires a GoalSaver or NetBank Saver in your name only. Terms and conditions for our products and services are available and should be considered before making any decision about whether they are appropriate for you.
4. CallerCheck allows you to verify whether a caller claiming to be from CommBank is legitimate, by sending a secure notification to the CommBank app. Simply ask the caller to use CallerCheck and follow the prompts.
5. Offer: 10% back in travel credits applies to eligible CommBank Yello Homeowner and CommBank Yello Everyday Plus customers who use their eligible CommBank credit card, debit card, StepPay card or Travel Money Card on a flight or hotel booking via the Travel Booking website. Offer can be withdrawn at any time without notice. 10% back in travel credits applies to the booking amount you pay for excluding any Awards points or travel credits redeemed. If you cancel or the supplier cancels the flight or hotel booking for any reason, the 10% back in travel credits will be forfeited.
The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Minimum operating system version requirements may apply. Learn more at commbank.com.au/app.
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (referred to as Colonial First State) is the Trustee of Essential Super ABN 56 601 925 435 and the issuer of interests in Essential Super.
As this information has been prepared without considering your financial situation, objectives or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Terms and conditions for the app and our products should be considered before making any decision. Fees and charges may apply. Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945
What's New in Version 5.41.0.155470
Australia’s best banking app^ 16 years in a row provides personalised banking experiences with a range of features, services & tools.
Our latest version includes:
• The ability to track your Everyday Offset account balance(s) in the Save section of Money plan so homeowners can get a complete picture of their savings progress
^Canstar’s 2025 Bank of the Year - Digital Banking Award
Seller
Name
Commonwealth Bank of Australia
Information
Developer
Categories
Version
5.41.0.155470
Size
388.4 MB
Game Center
No
VPP Device Licensing
Yes
Rating
Rated: 4+
Compatibility
iOS 15.0 or later
Devices
iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XR, iPhone XS, iPhone XS Max, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone SE (2nd generation), iPhone 12, iPhone 12 Pro, iPhone 12 Pro Max, iPhone 12 mini, iPhone 13, iPhone 13 Pro, iPhone 13 Pro Max, iPhone 13 mini, iPhone SE (3rd generation), iPhone 14, iPhone 14 Plus, iPhone 14 Pro, iPhone 14 Pro Max, iPhone 15, iPhone 15 Plus, iPhone 15 Pro, iPhone 15 Pro Max, iPhone 16, iPhone 16 Plus, iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16e, iPhone 17, iPhone 17Pro, iPhone 17ProMax, iPhone Air, iPad (5th Generation) Wi-Fi, iPad (5th Generation) Wi-Fi + Cellular, iPad (6th generation) Wi-Fi, iPad (6th generation) Wi-Fi + Cellular, iPad Pro, iPad Pro (Cellular), iPad Pro (9.7-inch), iPad Pro (9.7-inch) (Cellular), iPad Pro 12.9-inch (2nd generation), iPad Pro 12.9-inch (2nd generation) Wi-Fi + Cellular, iPad Pro (10.5-inch), iPad Pro (10.5-inch) Wi-Fi + Cellular, iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro 12.9-inch (3rd generation), iPad Pro 12.9-inch (3rd generation) Wi-Fi + Cellular, iPad Air, iPad Air (Cellular), iPad Air 2, iPad Air 2 (Cellular), iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular, iPad mini Retina, iPad mini Retina (Cellular), iPad mini 3, iPad mini 3 (Cellular), iPad mini 4, iPad mini 4 (Cellular), iPad mini (5th Generation), iPad mini (5th Generation) Wi-Fi + Cellular, iPad (7th generation) Wi-Fi + Cellular, iPad Pro 11-inch (2nd generation), iPad Pro 11-inch (2nd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (4th generation), iPad Pro 12.9-inch (4th generation) Wi-Fi + Cellular, iPad Air (4th Generation) (Wi-Fi), iPad Air (4th Generation) (Wi-Fi + Cellular), iPad (8th generation) Wi-Fi, iPad (8th generation) Wi-Fi + Cellular, iPad Pro 11-inch (3rd generation), iPad Pro 11-inch (3rd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (5th Generation), iPad Pro 12.9-inch (5th Generation) Wi-Fi + Cellular, iPad (9th Generation), iPad (9th Generation) Wi-Fi + Cellular, iPad mini (6th Generation), iPad mini (6th Generation) Wi-Fi + Cellular, iPad Air (5th generation), iPad Air (5th generation) Wi-Fi + Cellular, iPad Pro 11-inch (4th generation), iPad Pro 11-inch (4th generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (6th generation), iPad Pro 12.9-inch (6th generation) Wi-Fi + Cellular, iPad (10th generation), iPad (10th generation) Wi-Fi + Cellular, iPad Air 11-inch (M2) Wi-Fi, iPad Air 13-inch (M2) Wi-Fi, iPad Air 13-inch (M2) Wi-Fi + Cellular, iPad Pro 11-inch (M4) Wi-Fi, iPad Pro 11-inch (M4) Wi-Fi + Cellular, iPad Pro 13-inch (M4) Wi-Fi, iPad Pro 13-inch (M4) Wi-Fi + Cellular, iPad mini (A17 Pro) Wi-Fi, iPad mini (A17 Pro) Wi-Fi + Cellular, iPad (A16) Wi-Fi, iPad (A16) Wi-Fi + Cellular, iPad Air 11-inch (M3) Wi-Fi, iPad Air 11-inch (M3) Wi-Fi + Cellular, iPad Air 13-inch (M3) Wi-Fi, iPad Air 13-inch (M3) Wi-Fi + Cellular, iPod touch (6th Generation), iPod touch (7th generation)
Languages
English
App Store: Customer Ratings
Ratings & Reviews
4.7 of 5 (299,673 Ratings)
App Store: Customer Reviews
2025-11-16
Closed branches
I totally agree that the closure of branches is a major misstep by CBA. I have had 3 local closures force me to drive to a further branch. The closures reflect a complete lack of respect by CBA Board and management for the day to day service of local branches. Fairfield Victoria had staff members competent in many languages who showed compassionate awareness to older customers who were not proficient in English. The branch was shut down and replaced by yet another cafe. The care of those customers now falls to their families and neighbours. The staff are not necessarily re-employed. To me, the closure reflects an arrogant dismissiveness on the part of CBA leadership for the care and service provided by excellent and devoted staff. It makes me want to change banks. And they’re probably claiming environmental savings on their footprint. Absolute hypocrisy.
2025-11-15
Useful until
It’s a great app until you have glitches, glad actual branches still exist because I’m getting nowhere with phone and website.
2025-11-14
Not again
Just got used to the app and, as always, some tech people “upgrade” to improve it. What they’re really doing is shifting things around to justify their jobs and mess with our minds so we don’t feel comfortable. Well done CBA!
2025-11-13
Stop forcing updates and T&C’s
I can’t stand how the app forces you to update it. It’s always at the most inconvenient time.
The data privacy implications and permissions at this app requires are ridiculous.
2025-11-13
Why do we believe “sorta works” is good enuf?
Face ID fails on the Apple IPads Pro. It just don’t work and it demonstrates the Developer’s attitude - who cares, we sure don’t. If we did we would have fixed it by now. I just need to learn to accept the App Developers attitude and get over my view that anything less than perfect is unacceptable!
2025-11-13
Can’t adapt
No matter which way about trying to get this app to function as it should there’s is always some sort of block or something in the way so never really get there very frustrating
2025-11-13
Commbank app
Great service and features
2025-11-12
Combank review
This is a very easy app to use and it has made me save a lot of money other the past few yrs and I def recommend
2025-11-12
So annoying
We need atms I want to get cash out fuel is expensive to drive further to atm
2025-11-12
Great app, poor MFA update
The app was always smooth in the past, but the new MFA process really drags it down. It’s clunky, slow, and not user-friendly. You should study how Macquarie Bank and Xero handle 2FA — safe and seamless.
2025-11-11
Avoid
Cebu bot locked my account and customer service can’t assist. I now have to trek into a store to fix this nightmare. Never had such a bad banking experience. Avoid commbank!
2025-11-11
Convoluted backward processes and poor customer service
It’s absolutely frustrating to have to complete an app/account creation prior to applying and being approved for a credit card. The process takes twice as long, has no option to save progress, fails to tell you where you are at in the process, has no option to return and complete later and the list goes on. Applying for a card through this process was the worst experience I’ve ever had. Do not recommend at all.
What’s worse is if you start a chat for help, they will lock you out of the app and block everything, refuse any help until you go into a branch. 24hours and I’m ready to cut up my card and never deal with commonwealth bank again!
2025-11-11
Long delays
Unfair customer service
2025-11-10
No ability to log into a different NetBank account
The app is mostly good, makes online banking relatively easy. However, we don’t have the ability to log into the app using a different NetBank account. You use to be able to enter different NetBank credentials if needed a few years ago. Please return this feature which is needed now that you’ve forced verification via the app. Give us the flexibility to switch between different user/client accounts. Currently impossible to do unless you delete and reinstall the app or have access to a spare mobile.
2025-11-10
Poor service
Never use CBA ever
2025-11-08
ATM
Lack of ATM’s
2025-11-03
Glitches and UnSecure
Keeps crashing without any notice. Feels like someone has taken over your account. Best part is that you can’t quickly connect to customer service. Cause I guess they think they’re running some internet service rather banking
2025-11-02
Where the notifications?
I have always had all of them activated. But for the past month or so I don’t get any for money going in or out. Not to mention I set my account to not allow it to go into overdraft but it has happened overnight and the only way I knew was when I went to use my card! Nothing to say that a payment had come out of my account overnight. I never know when my pay goes in! Please fix!!!!
2025-11-01
Tracking customers
Most of these updates are tracking customers and building their data set for business purposes, unfortunately cant escape this and also they are massively reducing cash or making it hard to get/use cash
2025-10-30
Works
Does the job for basic transactions. Annoying that it does not suit iPad, as other bank do (eg, BankSA).
2025-10-28
Some rude customer service reps
The overall experience with the bank is fine. Also the response to avoid fraudulent transactions in my account was quick, but the next calls afterwards were so disappointing. The phone call customer service is really poor. Their representatives talk to customers as if we owe them something, so rude. They transfer the calls to the next person without telling you why.
2025-10-28
Scam and fraud
Always takes my money without reason
2025-10-28
What are they doing???
What is going on who is running this it’s a joke !!
2025-10-25
App problems
App when it needs to be updated if you dont check and keep trying with your pin or password, it will keep saying the passwords incorrect when its dead on then it lock you out. Then you have to update it and change the password absolute piss takr
2025-10-24
This bank think they own you!
Stupid CBA froze my funds just because I was buying crypto. They hate not having your money and will limit your accounts rather than let you diversify AVOID THE CBA 100%
2025-10-24
Terrible first use experience
Why is neither the commbank app nor the Netbank on the web browser tells you that it’ll take 24hr for transfer between your own account to take effect?! Nowhere in the app nor on the Netbank shows any notification on that they’ll be 24hr hold for first transfer?
I had to call commbank to ask what’s going on because I thought I missed something! It makes me feel stupid as a user, well done!
And guess what the staff told me when I called? “It’s in the terms and conditions’…. Seriously, you expect people to read it? And then the staff hang up the call. Wow, 5-star customer service!
I hope this review gets sent to the UX team or whoever the stakeholder who make the poor decision.
First of all, a 24hr hold for transfer between your own account is ridiculous, why?!
And second of all, not notifying the user that this what happen, is just dark UX!
Had I known there’ll be 24hr hold, I’ll be fine (still think it’s stupid), but at least I know what’s going on.
I’m giving this 2-star because I’m being generous!
2025-10-22
Good but could be better
I like the app and it has a lot of handy features, has good font size and is easy to use. However the inability to upload a cheque (yes in this day and age some companies still issue these) is frustrating given so many branches and ATMS have closed. Of the four banks I use only NAB has this feature.
2025-10-22
Very poor customer service
Extremely poor customer service
2025-10-18
Branch Hours
I'm also seriously considering changing banks to one that has more branches that are open regular hours. The lack of branches and differing hours makes a huge impact on disabled people. Using money machines just doesn't cut it! Waiting on phones for 20min's or more also doesn't help. I agree with the comment of the BIG CEO's rubbing their hands with glee with their large profits,pay packets, and free lunches. All without a thought for the people who supply them with all this while we get nothing.living on a payment system that means just getting by. I have to dip into what Super I have left with a huge tax bill and rent increase on what is supposed to be affordable housing.
Not Happy CBA!!
2025-10-14
BPay notifications
Paid bills never get removed, they just say overdue until I delete them 4-5 times. All of my bills keep getting over paid.
2025-10-14
ComSec shareholders
My political saving goal account inside rate
2025-10-13
Bills & payments
Never in my life have I missed so many bills. The predicted bills ‘feature’ is a joke and they don’t go away when paid despite having paid them. The app just can’t figure this out. It can’t see that it is the same bill I am paying every quarter so I have to keep putting the Bpay details in. The system before was much better go back to that. Hate this app.
2025-10-13
Fairly alright
I really want full CDR and ability to see my accounts from other banks. CBA Yellow is a gimmick— why are you wasting so much time on this over quality of life features?
2025-10-13
Terrible app
Just use any other banking app
2025-10-12
WrongBank
Don’t Use This Bank. I have been plagued by random payment failures in restaurants and train stations through my 11 day holiday in Japan. An absolute disgrace. Will definitely be changing banks once I return to Perth.
2025-10-09
Pending transactions
App previously included pending CC transactions in balance. Would give 5 stars if that function was still available as an option.
2025-10-09
No to dignity ID
I’m closing my account if it’s digital ID
2025-10-08
2FA from the 2010's
Please look to Xero to gain insight into almost seamless integration of 2FA. Opening the app and clicking through multiple stages is painful.
2025-10-06
Problem
Before I couldn’t log into the app I put my code in and it just kept on loading it wouldn’t do the little unlocking thing on that lock but not until when I went on my iPad that’s when it unlocked the app for me like bro fix this problem
2025-10-03
It’s 2025 and this is the best you could come up with?
Constant maintenance, bugs, and errors, and the most annoying log in padlock icon in history. Now you’re making all my cards yellow for every account. Moving to ANZ!
2025-10-03
All round poor service provider…
Commbank could do better…
The app consistently fails, whether it’s to log on, try to access accounts, update information, or the system itself completely collapses, eg.2/10/25, logging on is not an option, accessing telephone banking - not available.
Service = poor 1/10.
I wonder if “this bank” is more concerned with shareholder profits than customer service & satisfaction?
2025-10-02
Ridiculous that you don’t support other secure multi factor methods other than the app
Ridiculous that you don’t support other secure multi factor methods other than the app, and don’t have a remember this device option on desktop. It’s driving me insane, time to switch banks?
2025-10-02
App not working after recent update
App won’t work after recent update and says it needs internet connection to work but it still won’t work on internet
2025-10-02
Maintenance
Always having issues and maintenance (never alerted when having one). I’ve been logged out so many times and had to go to the bank and sort things out and calls are never answered by this bank!
2025-10-02
No app, no transactions
I am trying to pay someone but the App ‘has a problem’ do I tried logging on to CommBank on my laptop. I can set up the supplier etc but I can’t process the payment without getting the number sent to the App, that I can’t open. Not happy Jan!
Help is offered through the chat box…on the App. No use when the App is not operating
2025-10-02
Accessing my own money
Do not recommend the Commonweath bank at all!
2025-10-02
Another day another outage
10 billion in profit and zero care for their customers
2025-10-02
App outage
Went to the Coorparoo branch for cardless cash, asked about the outage and the staff just gave me attitude saying ‘can’t do anything’ instead of simply apologising. What a joke of a bank!
2025-10-02
App is down
Currently app is not working won’t log on and just has the lock icon hanging then flashes something has gone wrong, Been trying while now same result
2025-08-09
This one added feature would make it perfect
Great app, I wish when a scheduled transfer fails due to insufficient funds in the account its drawing from, instead of getting an email and it retrying the following day, if the app would send a notification and have an option in app to select “retry now”. I can’t tell you how many times I’ve accidentally spent something then realised my bills save transfer hadn’t yet come out, I fix it by moving money from one account to another then forget again by the next business day (if it’s Friday that’s going to be multiple days later) and it fails again. But if I could select retry now after moving funds around I wouldn’t have to worry about that.
2025-06-15
Not happy
When my Mobil was stolen from me. The first thing I did was go into a comm branch telling them what had happened and to shut my internet down just in case. Which the bank did. Well the next day my wages go into my acc when I go to ATM guess what $900 was taken out of my acc at a ATM. Mind you they just taken it out at parramatta branch at the same time I’m at the Merrylands branch. So I go inside to see what just happend. They were just as dump founded like I was. Telling me that they have reopened my acc different email different pin. Well all I said how did comm bank let them open a acc that you were supposed to be closed. Well after 4 weeks they tried to put the blame on
Me. So I had lost the case. What the hell. Anyway I have appealed now I have to wait even more we’re it is so overseas who at folt.
2025-05-14
Missing Features
Hi Commbank, I’ve been with you since I was 16 so almost 12 years now and something that bothers me is how you claim to be the best banking app in Australia but refuse to listen to your customers wants. You refuse to add features that compete with Neobanks like Up. They recently hit 1,000,000 members and they’ve been around for 6 years compared to your decades yet they’re growing faster. When will you actually listen to your customers? Every bank in Australia uses “look who’s charging” for detailed transaction information yet commbank doesn’t. Take notes from Up, UBank, Revolut… you’ll lose your customers soon when they’re level up more and you’re still producing the same stuff nobody asked for.
2025-01-09
Scammed
I recently noticed a strange transaction which I disputed. The amount was returned to me almost immediately after some considerable work on my side of the computer.
During the process another 11 transactions were identified coming from the same company along with a singular one from another company.
The phone process was not too bad being transferred only three times until I got to the right person.
She was absolutely terrific. I can’t say enough good things about her as were the other staff that assisted me.
I will be waiting to see if the re-funds are approved but am confident they will be.
2024-11-27
Greed
App shuts down every time I try to transfer between accounts. App support says “try again later” ( 7 attempts over 72 hours) on hold and disconnected 4 times calling customer service. No branch anymore just atm. It is IMPOSSIBLE for me to pay my credit card as there is NO WAY TO INTERACT WITH A HUMAN and the technology used to replace them DOES NOT WORK. I am now hit with a late payment fee as COMMBANK has made it IMPOSSIBLE for me to pay it.
Updating my review 3 months later as NOTHING has changed and I have still received ZERO help from Commbank. Update is just as useless. Every month it is the same issue. How can I transfer between my accounts? How can I access a human for support? This is beyond ridiculous, it seems that you are DELIBERATELY making it impossible for customers to pay their accounts in order to charge exorbitant late fees.
2024-08-22
How about legacy IOS support?
The app shouldn’t be App version dependant,
In reality all the functions and security required has already been accomplished and forcing users to update the IOS in order to force them into app update is just wrong,
So after no longer being able to access the app due to my phone inability to get any new iOS updates, I can no longer get access to netbank verification codes that come through the app, and they don’t appear to be anywhere on the website when I login, so that’s now causing me additional grief, the frustrating part is how I’m so used to using it, but I guess I’ll just have to go back to actual net access for no real good reason.
2024-08-17
Best Bank
i love my bank commonwealth its the best always when other atms charge me fees my bank is fast to fix it up so it isnt costing me to use my card disputes are fast money is safe plus investment options budgetting options rewards and offers and i have been with my bank for over 20 years now and wouldnt change my bank it helps me go from week to week transfers and cardless cash options available and fast pay and tap is helpful protected with pincodes and anything suss on the account bank isnfast to pick up on thank you commonwealth for many many years to come proud to be a customer
2024-07-26
Thank you, CommBank
I totally love the CommBank app. It has so much to it. It is absolutely amazing. The last time I seen it is added so much and I’m grateful for CommBank for being there to provide all the needs with the modern society that we live in today. makes things a lot easier at my fingertips that everything is in one system with my reward cards and things have automatically been added by CommBank thank you very much CommBank for doing that. I didn’t even have it all registered from before I really like the new CommBank app. Certainly great improvement as we all improve things as we go through life technology today and thank you to CommBank for making me feel a lot more comfortable with my money.
2024-07-19
I don't like the latest update
I am not yet vision impaired, but my eyesight clearly isn't great. The new font that's being used to display your account balance on the main screen is smaller, thinner and needlessly harder to read!
I just checked and there's no accessibility features within the app to support those with disabilities. And after testing my phone's accessibility text size settings (which did change the size of the text within this app), I realised that I would have to turn it up ridiculously high in order to use this app comfortable.
If you're going to use this font, at the very least please provide an option to bold the text to make it easier to read (or better yet also provide an in app option to adjust the text sizes)!
2024-06-13
Recent updates rendered this app useless
Won’t let me log in, tells me I need to update to latest, but App Store has no update available.
Developers, when adding features, please remember not all users have the latest whizz bang tech or operating systems. Your apps should work across the oldest to newest tech - and EJ t give me that gift about downloading the most recent compatible version- use it once then the app blocks itself again and demands you update to latest. I’m with commbank because
I had a school account but I’m more than happy to put my money and investments elsewhere and delete this rubbish. I’m sick and tired of developers with zero interest in maintaining ALL
customer demographics. It can’t be that hard to drag us old tech users along with your flashy app upgrades. eBay does it because our dollars matter to them too. Why can’t you?
2024-06-13
Not Reliable When You Need It Most
I cannot recommend this app/bank for travellers. Here’s my scenario:
I am overseas, leaving one foreign country to go to another foreign country. The SIM I purchased here has expired and I am flying out in a few hours. When trying to purchase a flight out of my destination country, my transaction was blocked - twice. I looked for contact details for someone to help me, but there is only a cheap chatbot. The chatbot requests that I call the hotline, which I cannot do. When I tell it I cannot call, it does not understand. It promises chatting with a specialist if I click the link to the CommBank website, but there I can only find the same numbers and a link back to the same chatbot in the app.
This is precisely what a banking app cannot allow to happen to travelling clients. Critically flawed design.
2024-06-03
Very clean, but could use some features
I love the commbank app, I think everyone does, that’s the main reason people use commbank. I do have some suggestions however. I find myself opening new accounts just to group my finances into sub categories such as Emergency Fund, Tax, Savings, HECS, etc.. it would be cool to be able to make “virtual” accounts, just for grouping and subcategorising your funds so you don’t just have one account with a bunch of money and you have to manually track each of your goal amounts.
Thank you commbank! 🙌💖✨🌈😇🔮🦄🍀
2024-05-12
CommBank
I certainly haven’t been impressed with this application. Not only is it open to fraudulent misuse via the careless cash option, for some obscure reason known only to the application developers, you’ve turned it into some scam for rewards points!
Having your details compromised online is a very real threat, not a game. Also, having already confirmed all my details, and updated the app on the devices I use, I’ve found that once more it, and CommBank, seem unable to actually clarify the issues I have brought to the attention of banking staff, and even getting statements for my accounts in a timely fashion is less than optimal.
It also apparently doesn’t like it when/if you use a VPN in order to try to stay ‘safer’ online. The convenience of having a mobile banking application is somewhat questionable, if I have to frequently update the application, sometimes as often as three or four times, before I get an accurate reflection of my banking.
2024-05-10
Open more branches
I think the Commonwealth Bank is much better at handling customer banking than all the other Australian banks. The reason for my thinking this way is because for as long as I can remember the Commonwealth bank originally was the Australian Government’s bank called The RESERVE BANK OF AUSTRALIA. Another reason is for security reasons that as customers if anything goes wrong we will have our “ Aussie” Government securing our money. The Commonwealth Bank is our AUSTRALIAN BANKING at its best. The only negative thing for me is they don’t have enough branches because everyone except “Oldies” like myself don’t trust online banking and neither does our brain compute.
2024-04-03
Lost Money
Last 10yrs I am a regular customer of commonwealth bank. I used this App to transfer money to same other commonwealth bank account customer for book a flight ticket. That customer make a scam face book page he have a valid ABN number. After 24 hour my ticket is not active I contacted the bank. They replied they send a message to the other branch but they didn’t respond. So they told they not responding so you lost money. They not try to recover or block the other parties they still cheat the lots of customers. Ban told me they not responsible to recover the money. So all the customers please very careful to transfer the money in commonwealth bank account. Also I understand that if somebody accidentally deposit money to your account you don’t need to give back.
2024-04-02
Deceptive Practices
The app’s got this smart feature where it alerts you whenever money’s moving in or out of your account, which is brilliant, until you discover they’ve INTENTIONALLY left out notifications for the bank’s own fee charges. Honestly, it feels more than just sneaky; it’s downright deceptive.
So here’s the situation: I’m abroad, relying on a third-party bank, Revolut, for convenience, while occasionally tapping into my Commonwealth account for withdrawals. Started with 130 bucks, managed my withdrawals, got the exchange rate sorted but completely missed accounting for the FEES. Then, out of nowhere, these fees start hitting me no bells no whistles. Not just minor ones, but fees that start small and then, to my utter DISBELIEF, begin to skyrocket, multiplying by about ten bucks a week.
Fast forward a few months, and a fee that was once an innocent 5 bucks has ballooned into something over a hundred. Keep in mind, I wasn’t even primarily using this bank since I’m overseas. This whole scheme feels not just underhanded but outrageously so, almost crossing into what I’d argue should be ILLEGAL territory since I was blindsided by this. Mind you a few years back I wrote to them about this but they ignored me, well I'll try to warn people here from now on.
2024-03-13
Bill prediction got me into overdraft and penalties
I use my CBA account mostly for transactions and bill payments & keep my savings seperate. I usually keep a little more than what’s needed to cover the automated payments and move most my cash to the saving account.
I recently started to rely on the bill prediction tools and reminders that notify me about upcoming scheduled payments. Ever since I started using this feature my account went into - twice and the bank charged me a 2x $15 fee for that.
I find these predictions not very accurate or reliable. I never went into - in the past when I was managing that manually.
2024-02-28
Balance of account
Every transaction needs - the size of the transaction - the date of the transaction - the balance of the account after the transaction. I am shocked and really disappointed that anyone at the bank thought that account balance was not important All the other features are irrelevant if you do the basics so poorly
I just read a review the highlighted the closing of branches, which is very valid, there are somethings the app is not well suited and customers are left needing help. It is very sad that for many of us our local branch will be closed, or difficult to get access to (for example - in a busy shopping centre) and also sad that when we get there we are treated like cattle, and often encouraged to try and use self help. For most of us if we have made the effort to go to the branch, it is because we couldn’t find help elsewhere.
The Netbank inbox is not built into the app well, and that needs to be fixed
2024-01-18
Poor service - not covering timely 24x7
I had a very bad experience with CommBank app, where I asked for security options on their Cebu Chatbot and I got a timely response. I started looking at the link they shared, and then I couldn’t come back to the app. It stopped recognising my face and stopped taking my password. I was obviously concerned with these growing cyber attacks. Then the app said you are locked! I couldn’t reset the password as well on the web client. Just made me really really concerned. Then I tried calling and they said that their operational hours are 8 am to 8 pm but one can message in the app. There’s no mechanism to do anything if you can’t access the app. That’s where I was, completely helpless! Then I called them again and selected the list card option where it took me 1 hour 15 mins to connect! In case of a lost card, can one afford this much wait? I am very concerned that if that’s the kind of CBA is providing to make more profits then that’s very upsetting as that’s the last thing one would expect from the best bank in Australia.
Finally I managed to get hold of someone after 1 hour 15 mins and I could then get into the app to check that everything was fine. But the 2 hours of wait with the overall process was very painful.
That’s my first bad experience and the worst and hope that they read this review and then do something about it.
2023-11-20
Stop interrupting my banking
My banking app is not a time killer. It’s my banking app. When I’m on it it’s generally time critical and I’m trying to complete a specific task. So pop up screens that attempt to force me to use functions The Commonwealth Bank boffins think are cool is very annoying, made infuriating when you don’t even provide a back or escape button. You know what’s cool? Uninterrupted access to my money! This comment goes hand in hand with your recent cancellation of access to my card because I attempted to pay for an overseas trip. It seriously disrupted my plans, caused massive inconvenience and forced me to wait on hold for 40 minutes before having to restrain my fury as I played 20 questions with your support officer. You’ve got one job Comm Bank and your making record profits doing it. Try investing in helping you customers do what they need instead of condescendingly trying to take over their lives - like you know better.
2023-10-27
Designer vanity project. Over designed and under delivers
The app is visually cluttered and requires a lot of clicking through multiple levels to just manage my money. Transaction lists are buried under lists of buttons and not visually easy / simple to read.
It has details and information that aren’t needed in an app (I don’t need the app to link to my house details on domain) but a simple function like changing a scheduled payment can’t be done in the app, I had to Google how to change this. Counter intuitively you can’t click on a scheduled payment to change it.
It is the most over designed app that fails to do the basics well in desire to look flashy.
I miss the ING app - all the necessary functions in a simple elegant design (orange colour not withstanding). Even the U bank app is better.
Get back to doing the essentials well. Leave the add ons for the website.
2023-10-17
Thank you so much
Having helped me during my recent traumatic experience from fraudulent transactions done by a scammer, I now feel confident that I am in good hands. Your staffs in Shellharbour branch had been sympathetic of my situation and immediately did the right actions to recover the money wrongly withdrawn from my accounts. Over the 30 years that I have my home & personal loans, deposits & credit card accounts, even travel insurance, are to my satisfaction. I have never experienced any discriminatory treatment. You looked after my resources safely and secured. For all these things I salute you with so much gratitude.
2023-09-24
Lack of features
CommBank should learn from other banks about a few useful features, like identifying the transaction as salary and automatically split it into different savings or every day checking accounts. Attributing percentages to the remaining amount and choosing how much you will use for each purpose: eating out, transport, etc.
Also enabling customers to choose a time of the day for auto recurring payments, instead of dates only.
Having more categories / enable custom categories? The ability to be notified when you reach your budget for the period, taking pending transactions into consideration (otherwise the function is useless). The ability to quickly check the total of the upcoming payments for the next pay period. Identifying the transactions with the merchant name and logo. A built-in calculator that sums up the selected transactions so you don’t need to switch to a third-party calculator app. Tagging transactions? Honestly, CommBank is falling behind other banks when it comes to app features.
2023-08-22
CommBank apps
VERY frustrating unless you are totally mainstream and have the newest phone. Firefox browser is the only one I trust not to send my information back to google or Microsoft but it is VERY badly supported by commbank net bank. (If you are reading this please fix!) my iPad is quite old and has only 16 Gb of memory (The O/S was more than half that when I bought it new!) and cannot update past OS12. CommBank expects me to buy a new iPad to keep up with their software so it will work... if banks gave you money you might be able to afford that, but that’s not their job. So please keep the systems workable for older OS and for the only private browser. I don’t want Microsoft and Google (and Apple, for that matter) knowing everything I spend and do, and my financial circumstances... and NO, I seriously DO NOT trust them or their browsers wouldn’t be free.
2023-08-16
Branch closure
I wanted to open a term deposit with a large amount of money I drove 20 min to my nearest bank and was told there was an hours wait . I did not wait drove the other way 20mins only to be told there was a two hour wait nine people in front of me I continued on another 20 mins to the last bank that was anywhere even remotely close and was told five people in front and over an hours wait I went straight to the counter (after a 15min wait) took out my money and went to Suncorp who had a better rate anyway I waited five minutes was taken to an office for privacy treated well and was over and done with very quickly , well done Suncorp , 👎 Commonwealth I have been with for thirty years but I’m going to transfer everything to Suncorp.
2023-07-26
From the Bank that CAN not
This App started out with promise even though the security was lax. Then updates rolled out but you could not copy or save the Terms and Conditions which is a breach of Australian Financial Regulations and I have this in print.
The latest update has succumbed to every developer’s self-pleasure and the result is screen-bloat.
The clean look has gone, the single drop down menu, consistent for Uumm about 40 or 50 years is replaced by the already aging screen free tabs of the unknown.
Isn’t this why I left Microsoft Windows over 20 years ago.
2-stars for whoever started this App underway before they got a better offer. My conclusion is that it will be easier to change Banks than get this App out from the effluent U-Tube.
2023-07-12
Unhappy Customer
I’m an elderly retired pensioner lady CBA was my first bank I opened my account since I arrived in Australia with my husband and family and started a new life since 1979 I’m still a dedicated customer with my husband and family with the CBA because of these reasons (1) I’m comfortable and believe in trusting your staffs when I needed assistance in technology which is using for a while with banking paying bills and transactions etc (2)I believe in the best ways of solving problems with any misunderstanding arises in my account is to talk face to face with your beautiful caring staffs not emails or any other ways No matter how far the bank is and there’ are staffs who I could see I travel and how long I waited for I was happy to see the staffs Please we valued CBA for 44 years and enjoyed the valuable staffs assistances and the representatives of the CBA around Australia the Global Thank you for service God Bles 🙏🙏
2023-07-09
Complaint
I find that I have been let down by the commonwealth bank. There is no service for customers basically we are just banking our money you father interest and prosper from me but I have no benefits from banking with CBA. And how much did you pay to have the website revamped while increasing rates for customers how much did tgat cost the bank. It would be better spent employing a few more telephone operators I spent over an hour trying to get on to CBA so tgat I could work out how to get back in to your new decamped website! But really I don’t expect any sort of response from you even after writing this review!!! Oh no maybe you might provide some token gesture in the form of a sorry to fear that telephone call but still telling us you can’t do anything to assist customer
2023-07-04
Why does every update make the app worse
Still cannot access the app on my iPad with my fingerprint. Can someone explain the logic, when we are told fingerprints are safer cos it is easier for a hacker to learn our passcode. Secondly, it was bad enough having to go back to the home page to log off and now there is an extra move to go to my profile. Does Commbank want hackers to easily get in cos you can’t quickly log off if you suspect something is wrong. Thirdly, I can no longer remove bank information I don’t use nor ever will from the home page. I understand some people will want quick access to portfolios etc but unless hackers give me money instead to stealing it not needed! Not happy Jan!
2023-06-24
My thoughts on the new CommBank app, version 5.0
I love the new CommBank app I love the fact that supports Dark Mode properly now. I like the fact that I can view my accounts on the home screen without really having to login and check the accounts tab
However, there are a couple of suggestions I have
One move the log off option from the profile tab back to the home screen under your user name, because it’s far more convenient to log off if you’re in a hurry
To please allow up to 4 bank accounts to be shown on the home screen, we can view your account activity
If these suggestions were implemented, I would give the app a 10 out of 10 rating if I could
2023-06-10
Worst financial institution for customer service ever
Infuriating experience just trying to open a daily transaction account. Hours of wasted time. Literally THE WORST CUSTOMER SERVICE EXPERIENCE OF MY LIFE. Pathetic, look back through my recent and downright increasingly frustrating interactions with CBA and ask yourselves why I’m leaving. Pick up the phone within two seconds because you third party that- get transferred to the wrong people after waiting an hour to speak to someone at CBA. Infuriating, shows you don’t value customer interactions at a basic level. Three branch visits to activate a simple joint daily transactions account. I left ten years ago due to what was found to be true of you in the royal commission- you compensated me after years (and legally being forced to), that experience was okay, started a joint commsec account and that was smooth. Reached a point of thinking “maybe they’ve changed” and decided to start a joint daily account. Your C. S staff need to be retrained, and your C.S practices need to be totally overhauled. We were stonewalled from branch to phone level. Staff rushing us through without result, phone staff culture is disgusting in most cases (shout out to Adrian? And Cameron, only reason I persisted- Simon is the reason I have finally decided banking with you is a lost cause). Bye CBA, you monumental waste of time.
2023-06-04
Rounding up feature
This definitely the best banking app on the market, however, I would love to see the developers add a rounding up option as is the case with several other banking apps. Yes, I know there is the likes of Raiz and others available that will effectively do the same, but they come at a cost and expose the customer to the vagaries of the share market. All I am asking for is a simple rounding feature that sends the left over change from every transaction to a designated account as a means of compulsory savings. Come on developers, how about making an excellent app even better.
2023-05-09
Commbank app not working on my iPhone SE1
The Commbank app is not working on My iPhone SE1. I understand the app needs at least iOS 14 to work on an iPhone. I have iOS 15.7.5. I spent a couple of hours with CBA technical support on 27 April 2023, but that person was unable to fix problem. He escalated problem. Was unable to give me sense of when they would get back to me, but said they would get back to me sometime. As at 6 May 2023 I am able to get the Commbank app working on my iPhone SE1, but after doing that needed to reregister the app on my iPhone SE3. I had understood one could expect the app to work on up to 5 devices smoothly. On 9 May 2023 CBA rang to advise my wallet problem of putting credit card in wallets in 2 iPhones had been fixed. I confirmed this is correct. I asked about having the commbank app not working simultaneously on 2 iPhones problem was progressing. They said no record of that problem, and they could not put me through to the agent who said he would escalate problem. They suggested I restart the problem and tried to put me through to the app expert team. I was then put in a telephone que. After waiting an extended time I gave up, and decided to try to put the app on 2 iPhones again when Commbank app is next updated.
2023-04-19
My visit to oakleigh branch today
Angela assisted me with setting u a new account. She was incredible,explained everything in detail, set a new account, and kept me informed as she progressed the account and I appreciated the thoroughness with which she approached it, obviously understanding my lack of knowledge on the subject but ensuring I left with a greater understanding of what was occurring. Although I am an older female, I was treated with respect and humour and the experience was a delight.
Thank you Angela, if I have any further questions will be in asking for your assistance again.
Kate.
2023-03-21
Account hacking and gathering personal information
Someone pretending to be PAYPAL staff and using LATITUDE name to block someone order using my name. He spoke in English and sound like Indian. There is noisy background noise. I accidentally gave some information about my card’s details and realised that was a scam. I called Commonwealth bank contact but it took more than 15 minutes and still not get answer. Therefore I went to commonwealth bank Maddington Branch and Ms. TINU and team help me straight away. But still might lost some credit card orders. Definitely it is from India because all the order are under the name of Jaumu and all in India.
Please share this inform to the public on TV so that it can be avoided for elderly people like me to ge financial losses.
Thank you
2023-03-16
Excellent service.
I am currently in Thailand. I have been scammed through a phone number in Australia yesterday claiming the ATO tried to send me a tax return refund but it was reversed by the bank and asked me to confirm information of my bank account. When I clicked on CBA, another page popped up of CBA NetBank login. So naïvely, I entered my login information, but NetBank didn’t open up. I rang my wife in Sydney and asked her to report the incident to the CBA which immediately put a lock on my NetBank. However, being overseas and unable to access my Commbank app caused me marked inconvenience, so my wife rang CBA again and put me through to them on Messenger app. I managed to talk to a senior CBA person experienced in this area who confirmed my identity and helped me access my NetBank and change my password in no time. Thanks very much for your help.
2023-02-05
Pull down to refresh
Commbank has always been ahead of the other banks with their app but the one feature that would make it 5 stars is being able to pull down to refresh. Even before logging on when you can see the simple balance it would be amazing to be able to just swipe down and have the balance refresh because it is a PIA having to log off and on again to make the balances update. Also as a right handed person my hand holds the phone with my thumb coming from the bottom right but the log on button is on the top left which means either stretching my thumb to tap it or using a second hand. Couldn’t you move the log on button lower? Or give us an option to have it auto log in when opening the app?
2023-01-03
Starting to lag behind
The CommBank app is fantastic, but it’s starting to show its age and fall behind with competitors. I recently tried out ANZ Plus as I was curious. The app is beautifully designed and aesthetically pleasing. While the CommBank app isn’t ugly, it’s not great looking either. I would love to see a completely reimagined experience from CommBank.
Another two offerings from ANZ Plus, which I think is a must in today’s age, are a savings account with multiple goals or buckets and an instant digital debit. With CommBank, if you have more than one saving goal, you need a saving account per goal. I would love to see CommBank have one savings account that can support multiple goals and divvy up deposits based on fixed amounts or percentages. Secondly, when opening a transaction account, it would be great to have access to a digital debit card immediately rather than needing to wait for a physical card.
One final note, I wish there were a way to opt out of the “rewards” notifications. These are just ads baked into the app. I don’t care about them. I don’t care about Little Birdie offers. Stop sending me notifications.
2022-11-17
New ID Verification
Dear CBA, today I noticed you gave me 30 days to verify my online account ID even though I’ve been banking with you for nearly 2 decades. After following the process I realized there is a hidden agenda which makes me feel very uncomfortable. Some of the questions were for marketing purposes, and the final ID verification process looks very similar to something I’d need to do if I was signing up for a centralized digital currency. At this point in time I reject joining a digital currency system that is centralized through any government department, this is because Australian Citizens have never had the opportunity to voice our opinion through a referendum or survey. If Australia is a democratic country, something of this magnitude that can potentially affect every aspect of our future lives should not be implemented without full transparency. As a result of discovering your new 30 day verification survey, I have chosen the option to verify my ID at my local branch.
2022-10-20
Richard
Yeah I really enjoy when I go into the branch and the staff are great in my local branch. We know everyone and I don’t even need to pull out my things they already know off by heart I’ll find out very comfortable caring for me and always good with problems I’ve had with been hacked online before I like going into the branch and get the ladies to do things for me. You’re very helpful and great and I feel a lot more secure with them with information and I’m yeah I certainly enjoy talking to you they’re my friends also not just people. we are all locals and the Commonwealth Bank are certainly makes you feel very local. Thank you very much to 👍 Commonwealth
2022-10-20
How is getting rid of the TABLET APP an improvement for users?
I do much of my online banking using an iPad (tablet). I use a keyboard with it, so the screen is landscape and the app fills the whole screen. The bank is killing the tablet version as an “improvement” and making us either use Netbank in a browser (which is a bit of a pain) or use the mobile phone app on our tablets. Sure, the phone app works, but it is a portrait app, so on a landscape screen it only occupies a small proportion of the screen. To make it bigger you need to turn the tablet into portrait mode and click on the blow up button to make it fill the screen. Trouble is, you can’t use most tablet keyboards in portrait mode. Can someone from the bank tell me why all this is an “improvement” for customers?? I must be missing something !
2022-09-08
Awesome!
This has got to be the most straight forward, logical and easy to use app EVER! Everything is easy and just takes a few seconds. My husband is with a different bank and has nothing but trouble with their app. So THANK YOU for being one of the few organisations that puts its customers satisfaction first and for making sure there are no frustrations associated with your app. It’s quite honestly the only app I feel I can recommend. Well done Comm Bank! Something to remember for the future though is ‘if it ain’t broke don’t fix it”. Please don’t be tempted to change it just for changes sake like 99 percent of other organisations do. Please? I beg you! It’s already spot on! 😊👍🏼
2022-08-17
App stopped working
A few weeks ago the app stopped working for me seemingly for no reason. One day it was working and then it wouldn’t let me log in. I’ve tried changing my password, I’ve tried deleting the app and re-downloading it, I’ve updated my OS on my device and made sure the app is the most recent update, I’ve tried turning my phone on and off again, I’ve tried clearing my cache, I’ve tried calling the customer service line. No matter what I do, when I try to log in I just get the error message “Somethings gone wrong please try again later”.
It is very difficult and inconvenient to manage my money and budget without the app as I have to access online banking via the browser on my phone. I want this fixed and it seems like no one can help me.
2022-08-17
Good app, weird bugs
If you try to open your messages when your connection isn't stable even once, it permanently locks you out of any already open conversations with specialists. I've been locked out of two separate conversations with specialists while trying to get fraudulent transactions refunded because I dared to open the app when it was raining.
I also don't understand why the specialists are so pushy? They message you, you message them back when you can, they message you... Then they message you again with something like "awaiting your response"... It's 10am on a Tuesday. I'm working. Surely you are not sitting in front of a single open chat waiting for a response to it ALL DAY.
2022-08-15
Pretty solid, although…
Could definitely do with some tweaks, namely at least matching the phone’s dark theme, & being able to access the inbox without having to jump to the website & log in a 2nd time. That & on iPad it could really do with not having basic functionality locked off - it’s just using the phone version anyway, why cripple the Home Screen? It’s annoying, & there’s no need for it, it’s not like there’s any sensitive info on it.
My card details will inevitably get stolen yet again in future, regardless of whether or not anyone knows if I’ve been paid yet that week.
But otherwise it’s a banking app, does what it says on the tin, & being able to unlock & lock my card in a couple seconds or change the pin on the fly is super useful, especially when a dodged up eftpos machine steals your card details…
2022-08-10
Perverts
Corporation, you aren’t even pretending not to be demons. You userped my consent and free will to use this app to STEAL my photos and contacts for your systems. You invaded my privacy and ruined my security, in the false name of security. You take liberties that my money is your money, and my identity is your identity, but you will never truly win. I went into the bank, quoted my account number and didn’t get asked at all for ID to withdrawal the money - because you are tracking my app and because you have stolen my images of self right from my own private photos. One day you will be prosecuted for your crimes against humanity, and every single individual within your corporation will be held accountable. Till that day, I smile because I know you are on your way out of this world.
2022-07-28
Internet banking
Firstly personally I find your app. User friendly. It’s easy to excess and to use. Please don’t change it. I can with a touch on my phone excess all the information I need. Secondly recently I had cause to go to the greensborough branch and would like to thank the stuff member there who looked after me. I’m sorry but I’ve misplaced the card with her name. But the girl was professional and very patient because I had been kept waiting for about 1 hour to just open an account. Obviously that wasn’t her fault. And she was patient and actually helped me to choose the right type of account. I thought her superiors should know about her.
2022-07-28
Review Earle sing
It was approximately eight years ago I received marketing from Comm Bank asking me to complete a a protocol of how I would use Comm Bank they asked also would I be interested so the trial protocol asked questions watch your screen and ask yourself what would you do if I ask this question following along from I need to see my superannuation which button would I press you would press the help and search superannuation and approximately 15 questions what buttons would I push if I needed to see what part of the statement that was available online and I found it so interesting I have never looked back been able to interest myself to help myself better with finances Commonwealth Bank has done an awesome job
2022-07-24
Lack of Branches
The app is great and the internet banking is great but sometimes people still need to visit a branch. The disappearance of so many suburban branches is very frustrating and having to drive some distance to find a branch is disappointing from one of Australia’s biggest banks. Recently I drove to a branch some distance away from where I live, only to find it had different opening hours in the school holidays - as in - it was shut for a large period over the school holidays (Floreat WA) . Absolutely ridiculous. There were lots of people ( especially senior citizens) who were walking up to the bank to go in, discovered it was closed, and then we’re very annoyed and frustrated it was closed for the school holidays when all the other shops in the centre were open as per usual. It’s really poor CBA. Stop penny pinching - we all know you make a massive profit every year - we know how much your executives get paid - start providing ALL of your customers with the service they can reasonably expect.