NAB acquires Citibank Aus

[Johnnyaok]

For the time being, I'll keep the replacement NAB card, for emergency's, And bring cash with me when going OS, and no fee;s. besides I like dealing with money changers keeps them in a job, helps keep cash and our freedom alive for alittle bit longer

 

[Flashback]

I can't seem to register for my new account, it asks for a code/password - but I've not received anything, I assume it comes via mail? I have the registration code, but not the 2nd part.

I assume it's for one of 2 reasons:

1. Due to being located overseas - the mail hasn't arrived yet (as they already said the cards will take some time)
2. They're sending it to an old address on file, as others have reported

 

[Chicken]

I can't seem to register for my new account, it asks for a code/password - but I've not received anything, I assume it comes via mail? I have the registration code, but not the 2nd part.

I assume it's for one of 2 reasons:

1. Due to being located overseas - the mail hasn't arrived yet (as they already said the cards will take some time)
2. They're sending it to an old address on file, as others have reported

No, there was no personalised info in any of the mail I have received, just card and general info. I had the same problem and called internet banking support, the staff reset my account and I re-registered while they wait on the phone.

 

[Flashback]

No, there was no personalised info in any of the mail I have received, just card and general info. I had the same problem and called internet banking support, the staff reset my account and I re-registered while they wait on the phone.

Time/effort/cost - too hard basket for now, I'll deal with it in a month or so then....

 

[Flashback]

Well, my card arrived in the post (international) and even had the full correct address (Citibank could never manage it ... yet they passed the same details over to NAB, and NAB could!). So, looks like my activation code just won't arrive so I will have to call in at some stage to get my account setup.

 

[oz_mark]

My Citi card expires end of March. Got a message telling me the replacement card is on the way.
How useful....

 

[ecst]

My Citi card expires end of March. Got a message telling me the replacement card is on the way.
How useful....

Yep same here. Credit to them, at least they are proactive on the renewals

 

[AIRwin]

Got a message telling me the replacement card is on the way.

Same here but I don't think my card is expiring and they would have migrated my accounts to NAB by then?

 

[Flashback]

OK, for anyone who is based internationally I have some bad news for you. You will not receive any form of activation code or password/telephone password, you have to call in and then they will confirm that your ID cannot be confirmed over the phone (even if you provide DOB, address, account balance etc.).

The only solution is to go to the embassy, have them verify your ID, then you have to post it to NAB. Until then you'll have no access to your account, money etc.

Not only is this massively convenient, but I only found out because the deadline was approaching and I was waiting to see if I would ever be sent an activation code via post. Can I afford the time to spend half a day travelling into London to do that? No, I can't. I'm also away for the next 3.5 weeks at which point I lose access to Citibank in any case.

I told her I have no other Australian account, so what was her suggestion that I should do so I can access my money still? Oh, just transfer it to another account. No, I told you already I don't have one. I'm not transferring my money to someone else either.

A case for the ombudsman? I wonder whether they'll compensate me for the time I'm going to have to spend doing this, given my day rate that I charge clients is quite high. I doubt it.

Absolute shambles and more importantly, very disappointed that NAB has not sent out any communications to non-AU based people to tell them that's the only way to get control of their new account. Very poor.

 

[Flashback]

I was promised an e-mail with the information, so that's arrived at least:
Hi Flashback

Thank you for your time today, prior to updating contact details on your NAB banking profile could you please provide Certified Documents and email them back, please call once you have emailed the document so we can assist with registering you for Internet banking.

Approved Certifiers List:
• A notary public (for the purpose of the Statutory Declaration Regulations 1993);
• A person authorised as a notary public in a foreign country;
• An Australian Consular officer or an Australian diplomatic officer (within the meaning of the Consular Fees Act 1955); or
• A person in a foreign country who is authorised by law in the jurisdiction to administer oaths or affirmations or to authenticate documents.
Note: Overseas branches are unable to certify identification documents.

As confirmed in our conversation you will need to provide the following:
1 x Primary Photographic Document (Drivers licence, Passport etc)
OR
1 x Primary Non-Photographic Document Eg Birth Certificate, must be accompanied with a minimum of 1 x Secondary Document Eg Medicare etc

Once the certifier has been able to verify the documents as original and legitimate, the Certifier MUST email these certified documents to the CMCC Team at [email protected]

Kind Regards,
NAB
Citi Migration Contact Centre
Personal Direct | National Australia Bank Limited
700 Bourke Street Docklands 3008

 

[Chicken]

I was promised an e-mail with the information, so that's arrived at least:

That's BS. Can't you open like ubank / Suncorp and move the money over there?

 

[Flashback]

That's BS. Can't you open like ubank / Suncorp and move the money over there?

I'll get stuck in the same loop - they'll tell me I need to send in certified ID or go to a branch, neither which is simple to do. Just in case it's not known/clear, I'm UK based. My ING account is now closed due to no usage (they auto did that) and this is my only AU account left now, so I do need it/one.

 

[Chicken]

I'll get stuck in the same loop

Why?

A friend's relative moved here from overseas last year, so I told them to open either Suncorp or Bankwest transaction account (as no fee no forex fee and they have branches). They picked Bankwest, so we went bang bang bang on the Bankwest web site, BSB and account number generated after 10 mins. Didn't need to submit anything, not even photocooy or scan anything.

Suncorp also do account opening fully electronic, no need to go into the branch

Are you just over thinking it?

 

[Flashback]

Why?

A friend's relative moved here from overseas last year, so I told them to open either Suncorp or Bankwest transaction account (as no fee no forex fee and they have branches). They picked Bankwest, so we went bang bang bang on the Bankwest web site, BSB and account number generated after 10 mins. Didn't need to submit anything, not even photocooy or scan anything.

Suncorp also do account opening fully electronic, no need to go into the branch

Are you just over thinking it?

Wow, so they do no ID verification? How do they meet their legal requirements under KYC?

 

[Chicken]

Wow, so they do no ID verification? How do they meet their legal requirements under KYC?

All these banks just ask you to type in your passport number (including my friend's relative who entered a foreign passport), they then send it to Immigration department, then get a OK message back, they then ask you to enter licence number and your state, your state government send a message back either correct or incorrect. If you pass both, you pass and it's done.

No one been opening bank account in branches for years, since electronic verification started like 10 years ago?! Well, except old people

 

[Flashback]

All these banks just ask you to type in your passport number (including my friend's relative who entered a foreign passport), they then send it to Immigration department, then get a OK message back, they then ask you to enter licence number and your state, your state government send a message back either correct or incorrect. If you pass both, you pass and it's done.

No one been opening bank account in branches for years, since electronic verification started like 10 years ago?! Well, except old people

Except ......... as I said, I live in UK, so I would be lieing if I put WA as my state for example and I don't have an AU drivers licence anymore, I had to give that up in my first year in the UK.

 

[Chicken]

Except ......... as I said, I live in UK, so I would be lieing if I put WA as my state for example and I don't have an AU drivers licence anymore, I had to give that up in my first year in the UK.

My friend's relative arrived fresh off the plane, we went home from airport, then got on the computer, bang bang bang all done. They obviously didn't have Medicare, didn't have Australian drivers licence, because they are a foreigner with no prior connection to Australia. They used their passport plus one other ID, I cannot remember if they used their phone SMS verification or a credit card.

With the address thing, I guess you could either borrow an address from a relative (I think it's easier if this is possible) and have your new ATM card sent there, or just be honest and trying entering your current UK address during application process and see what would happen.

What have you got to lose by trying? If you don't pass the ID check on the bank's web site, it just won't let you proceed any further. You have nothing to lose; but I think not trying to get your money out right now is going to leave you in a situation which would be even more difficult to resolve after end of this month.

 

[Flashback]

My friend's relative arrived fresh off the plane, we went home from airport, then got on the computer, bang bang bang all done. They obviously didn't have Medicare, didn't have Australian drivers licence, because they are a foreigner with no prior connection to Australia. They used their passport plus one other ID, I cannot remember if they used their phone SMS verification or a credit card.

With the address thing, I guess you could either borrow an address from a relative (I think it's easier if this is possible) and have your new ATM card sent there, or just be honest and trying entering your current UK address during application process and see what would happen.

What have you got to lose by trying? If you don't pass the ID check on the bank's web site, it just won't let you proceed any further. You have nothing to lose; but I think not trying to get your money out right now is going to leave you in a situation which would be even more difficult to resolve after end of this month.

Indeed, fortunately I have trustworthy parents so they're looking after it for me while I sort out something.

 

[theblank]

OK, for anyone who is based internationally I have some bad news for you. You will not receive any form of activation code or password/telephone password, you have to call in and then they will confirm that your ID cannot be confirmed over the phone (even if you provide DOB, address, account balance etc.).

The only solution is to go to the embassy, have them verify your ID, then you have to post it to NAB. Until then you'll have no access to your account, money etc.

This is quite normal for many banks, both here and overseas. Of course there are exceptions, and anyone who has bank accounts in other countries face these situations often.

I know some banks overseas wont even talk to you about sending in certified documents, they only permit personal visit to the branch, and thats just for a simple matter of Forgot Password. Archaic I know but the ability to send in certified documents is a much lesser inconvenience.

 

[Flashback]

The thing that irks me though is that this is a known account, it's not like it is a brand new one. And also, they could send out all other details, why not send out the temporary password separately so you can activate it? Every other bank manages to do it with cards for example. Send the card. Send the pin separately. Just stupid really.