The Australian Bank Customer Service Cheat Sheet: find the fastest way to get a human on the phone at your bank

Skip the voice prompts and avoid dialing numbers with our guide to hacking bank customer service phone lines

How to speak to a real person

Like this graphic?

Bypass the voice recognition system and dial prompts

While interactive voice response (IVR) telephone systems are a great way for banks to save time and money, they come with one disadvantage - they’re useless. Have a look at our banking cheat sheet, which gives you the back door to speak to a real person as quickly as possible.

The cheat sheet

  • American Express (1300 736 659) - Press # and then 0
  • ANZ (13 13 14) - press 0 five times after hearing menu options, then you’ll be transferred to an operator
  • Aussie Home loans (13 13 33) - dial 0 four times to be put through to an operator
  • Bankwest (13 17 18) - Press 0 twice, then *
  • Bank of Melbourne (13 22 66) - Press 0 three times slowly, then press * slowly at least seven times
  • bankmecu (now Bank Australia) (132 888) - press 0 four times
  • Bendigo bank (1300 366 666) - press 0, then press 0 again
  • Commonwealth bank (13 22 21) - dial # twice , wait for the prompt to start speaking again and then dial # twice again to get through to an operator
  • HSBC (1300 308 880) - and hold the line, you’ll be put through to an operator
  • ING Direct (13 34 64) - ignore the menu options, dial # three times and you’ll be put through to an operator
  • Macquarie Bank (1800 806 310) - Simply hold the line to speak to an operator
  • ME (13 15 63) - Press 3 to speak to an operator
  • NAB (13 13 12) - Press # at least eight times until the prompt asks you for your identification number, then press # again slowly at least three times and it will transfer you
  • RAMS (13 72 67) - Listen to the menu, then press 6 to be put onto an operator for enquiries
  • Suncorp (13 11 34) - Simply hold the line and an operator will answer
  • Virgin Money (13 37 39) - press * and 0 and then press 1 to speak to an operator
  • Westpac (13 20 32) - Press # at least nine times slowly, wait for the prompt to ask you to say what you’re after, press # again and when it asks you for your identification number, press # twice

Tips for using an IVR system

Brent Jackson, CEO of Rubik, a supplier of some of the software and technology behind these systems, gives these tips for using IVR systems:

  • Even if the system asks you to say your account number or pin out loud, most systems will still allow you to enter in any numbers on your keyboard, saving you time.
  • If the system asks you to say something, make sure you have low background noise and speak in a natural voice.
  • If you need to find out your account balance or any other standard request, sometimes its still quicker to follow the prompts rather than wait for an operator.

Marc Terrano

Marc Terrano is a Lead Publisher at finder. He's been writing and publishing personal finance content for over five years and loves to help Australians get a better deal.

Was this content helpful to you? No  Yes

Related Posts

Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit. Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site