Banks with online chat

Compare Australian banks with live chat

Customer service in the digital age.

Banking and their products can be complicated. There are times when you want quick answers. In previous years this meant a phone call to the bank or a trip to a branch.

Today, customer service has moved into the 21st century. It’s easier than ever to get connected with a representative from your financial institution through live chat. Large financial institutions also have social media channels you can use to raise a complaint, ask a question or provide feedback.

This page has information about which financial institutions offer live chat (also known as online chat) and other ways you can contact your banking institution online.

Bankwest Hero Saver

Australian bank with live chat offer

The Bankwest Hero Saver offers an ongoing, high variable interest rate when you deposit at least $200 and make no withdrawals per month (excluding interest).

  • Available for balances up to $250,000
  • Maximum variable rate of 2.65% p.a.
  • $0 account keeping fee
  • No minimum balance or minimum deposit required
  • 24/7 Online access to your account

    Compare online savings accounts from banks with live chat

    Rates last updated June 27th, 2017
    Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
    ANZ Online Saver
    Introductory rate of 2.55% p.a. for 3 months, reverting to 1.00% p.a. Available on the entire balance.
    2.55% 1.00% 1.55% $0 $0 / $0 Go to site More
    Bankwest Hero Saver
    Ongoing, variable 2.65% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
    2.65% 0.01% 2.64% $0 $0 / $0 Go to site More
    Commonwealth Bank GoalSaver Account
    Ongoing, variable 1.90% p.a. rate when you deposit at least $200 p/m with no withdrawals. Available on balances up to $100,000.
    1.90% 0.01% 1.89% $0 $0 / $0 More
    Teachers Mutual Bank Online Savings Account
    If you prefer to save online and earn a competitive interest rate, an online savings account could help.
    1.56% 1.56% 0.00% $0 $0 / $0 More

    What is live chat?

    Live chat allows you to receive real time assistance through “chat”. It is typically set up as a form of customer service for people who are visiting the bank’s website. Through live chat, you can ask questions about purchasing and comparing products and receive answers from their support staff in real time.

    Banks with live chat

    These financial institutions have an online live chat service you can use to contact a customer service representative Monday to Friday.

    Compare online savings accounts from banks with live chat

    Financial institution Live chat hours How to live chat?
    Commonwealth BankMonday to Friday 8AM - 10PM (AEST)CBA online chat is initiated when you visit certain pages and a Commbank representative is available.
    HSBCMonday to Friday: 8AM - 8PM (AEST)You will get an invitation to live chat when a HSBC representative is available.
    CitibankMonday to Friday: 9AM - 6PMChat window pops up when Citibank representative is available or you can initiate a live chat on the contact us page.
    BankwestMonday to Friday: 7AM - 6PM (WST)Click the chat now icon in the bottom right hand corner to start a chat. You may also be invited to a live chat session when an ANZ representative is available.
    ANZMonday to Friday:Chat is initiated when an ANZ representative is available only.
    Teachers Mutual BankMonday to Friday: 8AM - 7PMSaturday: 9AM - 3PMGo to the internet banking login page and select ‘Start Web Chat’.
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    Contacting your bank using social media

    If your bank doesn’t offer a live chat service, there are other ways you can contact a representative online. Financial institutions can give you general information via social media platforms Facebook, Twitter and Google Plus (G+). Keep in mind it can take a couple of hours before you receive a response and you will only receive general financial advice. You may be asked to send a direct message as a follow up question. UBank have a Skype chat service; however, this is similar to making a phone call.

    Financial institution Social media platform
    BankSAFacebook & Twitter
    ANZFacebook & Twitter
    Bendigo BankFacebook & Twitter
    BCUFacebook & Twitter
    CUAFacebook, Twitter & G+
    ING DirectFacebook, Twitter & G+
    NABFacebook, Twitter & G+
    RabodirectFacebook & Twitter
    RAMSFacebook, Twitter & G+
    St.GeorgeFacebook & Twitter
    UBankFacebook, Twitter & Skype
    WestpacFacebook, Twitter & G+ / Westpac offer corporate customers a live chat service.
    Virgin MoneyFacebook & Twitter

    Compare savings accounts from banks with customer service through social media

    Rates last updated June 27th, 2017
    Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
    BankSA Maxi Saver
    Introductory rate of 3.00% p.a. for 3 months, reverting to a rate of 1.00% p.a. Available on the entire balance.
    3.00% 1.00% 2.00% $0 $1 / $1 Go to site More
    ANZ Progress Saver
    Ongoing, variable 1.81% p.a. when you deposit $10+ each month and make no withdrawals. Available on the entire balance.
    1.81% 0.01% 1.80% $0 $10 / $10 Go to site More
    CUA eSaver Reward Account
    Ongoing, variable 2.85% p.a. when you link to an CUA bank account and deposit $1,000+ each month. Available on balances up to .
    2.85% 0.05% 2.80% $0 $1 / $1 More
    BCU iSaver
    Ongoing, variable 2.41% p.a. when you link to a BCU transaction account. Available on balance $250,000+
    2.41% 2.41% 0.00% $0 $0 / $0 More
    Bendigo Bank EasySaver Account
    Ongoing, variable 1.25% p.a. when you link to Bendigo Bank transaction account. Available on the entire balance.
    1.25% 1.25% 0.00% $0 $0 / $1 More
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    Benefits of using live chat

    • Get answers to your questions in real-time. Live chat can give you general advice on the spot, there’s no need to wait on the phone.
    • Multi-tasking. You can minimise the chat window and do something else while you’re waiting for the representative to type a response.
    • Get answers to your questions during business hours. Sometimes it's hard to take a moment out of your working day to make a call. Live chat lets you receive customer service without taking too much time out of your day.

    Potential drawbacks of live chat

    • The advice is likely to be general. Live chat operators can only provide you with general advice so if you're looking for a tailored and in-depth answer to your question, you may still be required to phone or visit a branch.
    • There is limited scope. Live chat services from financial institutions are limited to a comparison of one brand only. Live chat from comparison services such as can give you general advice which covers products from different banks and financial institutions.

    We also have a live chat service if you want to get in touch with a representative from We can give you general advice but we can’t provide personal financial advice. We have an “ask a question form” at the bottom of this page as well. Leave a question and a member of our team will be in touch shortly after.

    Common questions, answered

    For some financial institutions, the level of information a live chat specialist can discuss depends on how you initiate the live chat session. For example, live chat on a financial institution’s public website is limited to topics such as general information about products and services, branch and ATM locations and application queries. If you’ve logged into your account, a live chat specialist should be able to give you information about accounts and balances. From within the online banking facility you should be able to activate new cards, request replacements and block cards.
    You should be able to start a live chat in two ways:

      • By visiting the financial institution’s website and looking for the “contact us” page. If the institution provides a live chat service, click the link which starts an online chat session.
      • Some financial institutions have a pop-up window which appears when you visit application pages or help pages. The window appears when a live chat operator becomes available.
    If you have Skype installed on your device, you can contact UBank’s VOIP number:  +61 2 8756 0947. Instant and video messages are not supported. You can also contact UBank from online banking by looking for the Secure Mail option.
    Some financial institutions have an option to live chat when you log in to your internet banking facility. For example HSBC have a ‘HSBC Live Chat’ tab on the right of the page when you log into your account.
    Look for the lock icon in the corner of the live chat window to see that the live chat session is secure. Each live chat session is encrypted for your security. Major banks advise that you should never disclose your financial and account information using a live chat service.

    Jacob Joseph

    Jacob is a writer and video journalist with Credit cards, personal loans and savings accounts are his bread and butter, and he likes nothing more helping people understand the sometimes overly complex world of personal finance.

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    Standard Variable Rate

    ANZ Progress Saver

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    Standard Variable Rate


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