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Complaints Resolution

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We want to hear from you

We believe you’re entitled to efficient, honest and fair treatment in your dealings with us, especially if something goes wrong.

As part of our commitment to maintaining our customer satisfaction, we have established procedures for resolving any complaint you may have in respect of any product or service we provide to you.

What to do if you have a complaint

Firstly, please call us straight away on 1300 747 747 if you:

  • Suspect an error on your accounts, including an account statement, or
  • Experienced any other problem concerning your accounts, facilities or services.

In most cases, your complaint can be resolved just by bringing it to our attention.

Where a complaint cannot be resolved to your satisfaction immediately, you may wish to enter our Internal Dispute Resolution process.

This service is provided at no charge to you. Generally the process should take no longer than 21 days, in some circumstances, however, it may take up to 45 days.


Internal Dispute Resolution

  How it works?

To help us to properly investigate your complaint, it’s important to give us all the information you have, this could include:

  • All relevant information that helps support or explain your complaint, for example, documents or records with names, times and dates.
  • Tell us the nature of your complaint and how you would like it resolved.
  • How you would like to be contacted during this process.

Please send this information to
Or you can write to us at: Disputes Resolution, Qudos Bank, Locked Bag 5020, Mascot NSW 1460

  What will we do?
  • We’ll acknowledge receipt of your complaint as soon as possible and provide you with a complaint reference number and contact details of the investigating officer.
  • We’ll investigate your complaint thoroughly and keep you informed of our progress along the way.
  • We may ask you for more information, if we do, please reply promptly to help us finish our investigation more quickly.
  • We’ll let you know in writing the outcome of our investigation, our findings and the reasons for our findings (referred to as our final response).

External Dispute Resolution

  How it works?

From 1 November 2018, the Australian Financial Complaints Authority (AFCA) replaces both our existing External Dispute Resolution (EDR) Schemes (being the Credit and Investment Ombudsman (CIO) and the Superannuation Complaints Tribunal (SCT)).

If a complaint you have raised with us has not been resolved under our internal dispute resolution process or to your satisfaction, then, from 1 November 2018, you may lodge a complaint with AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers. AFCA’s contact details are as follows:

  • Online:
  • Email:
  • Phone: 1800 931 678 (free call)
  • In writing to: Australian Financial Complaints Authority
    GPO Box 3, Melbourne VIC 3001

If you currently have a complaint that is being handled by the CIO or the SCT, no need to worry, this will continue to be handled by that scheme.

Download the Dispute Resolution Brochure here.