Finder Online-Only Bank Accounts Customer Satisfaction Awards 2026

The Finder Customer Satisfaction Awards ask Australians which brands and products they trust and love the most. For the online-only account satisfaction awards, we surveyed hundreds of Australians to rate their experience.

Most Loved Online-Only Bank Account: Macquarie Bank

Loved Brand

Most Trusted Online-Only Bank Account: Macquarie Bank

Trusted Brand

Legendary Service Online-Only Bank Account: Macquarie Bank

Quality Service

Most Recommended Online-Only Bank Account: Up

Recommended Brand

How we picked our 2026 Customer Satisfaction Awards winners

Over 50,000 Aussies rated brands they've used for Finder's 2026 Customer Satisfaction Awards. Consumers assess brands within a product category across various metrics, including trust, customer service, value and overall satisfaction.

• How does the process work?

  Customers reviewed products they had purchased or used recently, with the recency period varying by category—from within the past year to up to five years.

  Surveys continued until each category reached a minimum sample size of 500 to 5,000 responses, depending on the category. Respondents selected a brand from a pre-populated list or entered their own. Responses were recorded as they fell naturally.

  We used the following metrics to assess brands and asked customers between 4-8 questions, including:

  • if they would recommend this brand to a friend.
  • how they would rate each brand on a scale between 1 and 5 in terms of several metrics that varied by category, including: brand love, customer service, trust, reliability, features, value, and any factors unique to each product category (for example, 'rewards programs' for retailers).

• How were scores calculated?

  The final scores were determined exclusively based on the relevant metric. For example, the Most Trusted award was calculated based on responses to the question on how much people trust a brand, while the Most Loved award was based on responses to the question on how much people love a brand.

  If a brand or product no longer exists in the market, they are disqualified and excluded from our assessment, meaning that they were ineligible for consideration for any Award (even though responses may have been collected in relation to the relevant brand's product(s) at such time that they were previously available). However, if only the brand's name changed and the products remained the same, the brand was still eligible for consideration for an Award and was assessed by us on the basis of the new brand name. Additionally, brands that did not meet the minimum per-brand sample size were excluded. The threshold ranged from 40 to 100 responses per brand, depending on the category, with most being 100.

  The Finder Customer Satisfaction Awards is an independent awards program and commercial partnerships do not influence the results in any way.

  Disclaimer: We tried to collect feedback and data from survey participants on as many products and providers in the market as possible. Although we were able to assess an extensive range of products and providers from the survey responses, we can't say that every provider and/or product currently available in the market was considered as part of our review and winner selection process. Some products and/or providers may have been omitted from survey responses and therefore not considered by us for any Customer Satisfaction Award. Read our Advertiser Disclosure.

Meet our experts

All the Finder Awards

Check out the best of the best, judged by experts.

• Product Awards
• Provider of the Year Awards
• Customer Satisfaction Awards
• Innovation Awards

Explore past Finder Customer Satisfaction Award winners

Winners and finalists in 2025

Most Loved Online-Only Bank Account

• Winner: Up
• Loved Brand: ubank
• Loved Brand: Macquarie Bank

Most Trusted Online-Only Bank Account

• Winner: Up
• Trusted Brand: ubank
• Trusted Brand: Macquarie Bank

Legendary Service Online-Only Bank Account

• Winner: Up
• Quality Service: ubank
• Quality Service: Macquarie Bank

Most Recommended Online-Only Bank Account

• Winner: Up
• Recommended Brand: ubank
• Recommended Brand: Macquarie Bank