Worse banking/loan app ever
Just loads into a blank white screen. Can even view statements or balances due to glitches.
Crashing Live Chat
đFix đ The đApp đChat đCrashing đAnd đGiving đA đ
White đScreen đAfter đUsing đIt đRandomlyđ
White đScreen đAfter đUsing đIt đRandomlyđ
Glitch central
I donât know whatâs worse! The glitching app that shuts down half way through explaining something for the 3rd time or the typical lazy oz customer service where nobody reads your question because they are lazy. Itâs the whole âI dunnoâ rather than âIâm not sure, BUT LET ME FIND OUT FROM SOMEONE WHO DOES KNOW SO YOU DONT HAVE TO WORRYâ
Laziness. Apparently this has been glitching for years? Loan settled an hour ago and Iâve already had a bad first impression. I literally planned the full day with my dying mother to take her out of hospital for the day because I confirmed that the card will be activated after settlement. When someone asks when a card can be activated this obviously implies that it needs to be activated to be used!! Instead they tell you when itâs a active but not that there will be a 3 day delay. This was not communicated previously nor picked up on when I messaged them asking about activation! A simple âtechnically it will be active but you wonât be able to use it for 3 daysâ wouldnât be rocket science! I assumed it was too good to be true and everytging was going suspiciously smooth! But alas at least Australian customer service reps are consistently bad.
Laziness. Apparently this has been glitching for years? Loan settled an hour ago and Iâve already had a bad first impression. I literally planned the full day with my dying mother to take her out of hospital for the day because I confirmed that the card will be activated after settlement. When someone asks when a card can be activated this obviously implies that it needs to be activated to be used!! Instead they tell you when itâs a active but not that there will be a 3 day delay. This was not communicated previously nor picked up on when I messaged them asking about activation! A simple âtechnically it will be active but you wonât be able to use it for 3 daysâ wouldnât be rocket science! I assumed it was too good to be true and everytging was going suspiciously smooth! But alas at least Australian customer service reps are consistently bad.
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GUI needs an update
Itâs overall OK, but the app has a few things that make it a mediocre user experience:
1) Every time you login, it prompts you to change your password. WHY?!
2) The way you get to your balances or view your information is way too clunky.
3) If itâs a basic loan, certain features should just be not âclickableâ⌠tapping in to dead-ends within an app is frustrating.
4)Payments IN to loan accounts take DAYS to appear. Itâs not 1980.
5) Changes made in the app to direct debits in the app DONâT STICK. You still need to call. WHY?!
1) Every time you login, it prompts you to change your password. WHY?!
2) The way you get to your balances or view your information is way too clunky.
3) If itâs a basic loan, certain features should just be not âclickableâ⌠tapping in to dead-ends within an app is frustrating.
4)Payments IN to loan accounts take DAYS to appear. Itâs not 1980.
5) Changes made in the app to direct debits in the app DONâT STICK. You still need to call. WHY?!
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Stay away please!
When you chat with the agent, after sometime the app will kick you out. Now redo the same thing with a new agent. By the time you reach the app will kick you out again.
The smart money app doesnât open
Itâs been more than two weeks since the app is not functioning. It comes blank. I have contacted the company through chat, phone, and email. But no proper progressive response. They only say the IT department will fix it but no improvement. Itâs frustrating. I didnât expect such kind of delay in fixing an app from this reputed financial institution.
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Poor App Interactive Experience
The app looks user friendly enough, but then when you actually go to use the tab or do what you want to do you canât! In my experience I was unable to select the tab to add a new Payee, just wouldnât allow me to open the tab? I canât seem to edit already added payee details either, thereâs just an information icon which does nothing. The app seems to shut down with it apparently stuck on the âloadingâ screen after a certain length of time using the app and you have shut it all down and log back in. This has been very frustrating!
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Transaction errors
Be wary when making transactions! If an error message popup is displayed and you donât get put through to the successful transaction stage, your transaction may have gone through. Donât try again like I did đ. Call loans.com.au to see if it went through.
Worst Finance App
This is just a terribly written application. It simply cannot recover from being suspended. If you ever open the app and see a white screen, just force quit and reopen the app; it won't ever recover.
It also takes 20-25 seconds to authenticate and get to the point where you can use the app. Every other finance/banking app can do that in 4-5 seconds at most.
Not sure who has developed this app, but they need to get a lot better.
It also takes 20-25 seconds to authenticate and get to the point where you can use the app. Every other finance/banking app can do that in 4-5 seconds at most.
Not sure who has developed this app, but they need to get a lot better.
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Shocking customer service. In-app chat function useless
This bank makes it impossible to get hold of someone if they have charged you incorrectly. I connected to the in-app chat and was disconnected FOUR times after the chat operator said they were transferring. Another two times, the app times out because the chat operator took SO long to reply / transfer me. When the app timed out and I logged back in, the chat had erased itself and I had to restart the whole process again. I also followed customer service instructions to update my own direct debit bank details. After I did so, they changed the bank details and my car loan frequency repayment without my authority and started deducting my loan amount from a different offset account that is a completely separate account to my car loan account (the two were never given permission by me to be linked). Absolutely terrible
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App does not work
App no longer opens. It used to work ok but even after a number of re-downloads it is still not opening.
Blank screen
After logging on and selecting View accounts the screen goes blank. You guys are saying I am the only one getting this problem which I donât believe
Terrible
This is an app by a company that doesnât want to spend any money building an app. Itâs definitely the worst app I have installed on my phone. Not only do other banks have much better apps theyâve got better rates too.
Not good
App get stuck all the time on my I phone and I am fed up of restarting my phone all the time. The worst app ever. Canât do anything.
Worst app
Three years later and still the same problems with when I go to open the app itâs a blank screen and I have to keep uninstalling and restoring. Very rarely does it work. Iâve spoken to technicians and they canât see thereâs a problem! Not good enough.
No good
Unfortunately the app is constantly frozen. Having to use the full website to do any banking which is not user friendly.
App keeps crashing on iPhone
App keeps getting hung after using different usernames. My device is iPhone SE
Poor first impressions
Poor first impressions - App
1- does not seem to have been updated for years
2- does not accomodate the landscape view on iPad, only portrait. Not convenient when I use it with a keyboard folio on my ipad
3- asks for different registration & login details from online tool. Yet another set of login credentials to remember
Also, why does there need to be 2 apps (OnTrack and Smart Money) for loans.com.au? Instead of consolidating?
Lastly, when clicking on the link from loans.com.au, there is an error message stating that OnTrack App is not available to download in my region. Iâm in Australia
1- does not seem to have been updated for years
2- does not accomodate the landscape view on iPad, only portrait. Not convenient when I use it with a keyboard folio on my ipad
3- asks for different registration & login details from online tool. Yet another set of login credentials to remember
Also, why does there need to be 2 apps (OnTrack and Smart Money) for loans.com.au? Instead of consolidating?
Lastly, when clicking on the link from loans.com.au, there is an error message stating that OnTrack App is not available to download in my region. Iâm in Australia
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Needs update
Not working since ios15 update
Getting worse
Iâm genuinely impressed they can make the app worse each time they update it. Crashes. Hangs. And is basically just a web wrapper anyway.
