MyCard AU App Reviews

Broken. App will not send SMS codes to login. Website is working correctly.

Dodgy. It is the National Australia Bank’s work that created chaos and bad app and login system. Zero star for this app. Can’t even login.

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Paper cuts everywhere. There are so many things wrong with this app Navigation that doesn’t work. Password manager integration that doesn’t work, I had to use safari just to set a password because the app interface was so bad. Now the apple wallet integration has also failed.

App doesn’t function and biometrics not working. I have my biometrics registered alright and also use the app time to time but recently it says, “biometrics failed please try again after a minute “ this has been happening for over 3 days now each time I have to login using a password or passcode.

Not efficent. I was forced to download the app, after my bank ceased the credit card linked to our accounts. Initially the app would not let me log into it, kept going round in loops of sms and verification but not progressing to sign in. I called and managed to get a sign in. As a secondary card holder who pays the bills, I cannot see the full list of transactions or the estatements when they come through, when typically I could, even though the primary card holder ‘shared’ data with me through the settings. So I am now having to constantly go back and forth when trying to pay the bills. Not sure why the data is limited for the credit card account we both used to share. This whole situation has been mismanaged, it’s not a seamless experience for bank users, it’s an overhead that has resulted in multiple banks, apps and accounts. Surely this could have been avoided? Will be looking for a new bank to refinance with.

Testing, testing !. There are basic login functionality issues that would have been fixed if the product was tested thoroughly before launch. Instead we’ll need to update as these are fixed on the fly leaving everyone frustrated in the meantime.

Terrible, outrageously disappointing, too complex to use, fails miserably. After spending a very long time trying to log into this app, I’ve tried calling the call Centre only need to put a bit put on hold for over an hour. Clearly, this app is not ready for public and is overall disappointing

Terrible sign up process. I almost threw my phone trying to transfer over to this app from Citibank. Terrible user interface where the keyboard blocks input fields. Integration with password manager (Bitwarden) is broke ln which only encourages people to set insecure passwords just to get through the process. Do the developers even test before forcing these apps on people?

NOT WORKING WITH APPLE PAY!. Was just called a liar from the customer service lady. I have been trying to set up my card in Apple Pay for over a week every time need to call back and wait an hour or so to get to someone. Just got to someone and she said you aren’t doing anything I’m telling you to do. I go I’m not on the phone for over an hour just so I can lie and say I’m not doing what you’re telling me to do like seriously what the hell. And now she made me hang up and try to download the app again after I turned my phone off to try adding it again. Never had this with Citibank.

Terrible decision and against customers. Makes it difficult to transfer funds. They could not even say the name of the App correctly. How about the ‘AU’ tailpiece? I wonder whether they are trying to push customers away by making it difficult for them and also getting rid of travel insurance from platinum product.

From Citi App to this junk. When entering new password or other data, the keyboard covers the text fields, so you can’t see anything at all. You can’t get to the next field because the keyboard is covering it. You can’t press the usual next arrow because it’s not there. The app sometimes stops responding like it’s hanging. Is this AI slop? Thanks for worse than nothing.

Disappointed. I rarely write reviews, but the sheer amateurish state of this app compelled me to add my voice to the chorus. NAB acquired Citibank’s Australian retail consumer business on 1 June 2022 (over three years ago!) yet the resulting app feels like a rushed prototype. As others have noted, the *confirm‑password* field is completely obscured by the keyboard during account setup. I even reduced my phone’s text size to the smallest possible, hoping a smaller UI would reveal it, but it didn’t. The only workaround was to create the credentials on a desktop browser and then log in to the app with those pre‑made details. In 2025, an app that forces users to abandon their mobile device for basic account creation is simply unacceptable.

Appalling. Citi customers forced onto this new platform, once I did manage to sign in my account isn’t even showing, the app and web version logs you out after 1 minute. Recurring issues to log in thereafter with error messages and the app doesn’t even support a contact us or chat function. Extremely poor design and experience.

Totally unusable! Stuck in an endless login loop. This is the worst app I’ve ever used. After setting up my account successfully, it doesn’t let me view my card details - it says ‘something went wrong’, then it won’t let me add the digital card to Apple wallet. Again, ‘something went wrong’. I gave up and thought - I’ll come back and try later, but when I go to login again and it has me in an endless login loop. I click login with password, put the password in, and nothing happens it just hangs. Doesn’t proceed anywhere… then when I try again I get the ‘something went wrong’ message. Why has NAB released this when it clearly hasn’t been beta tested? Why did they not add all of these products to the existing usual NAB app which works well? I dread to think how much money they spent on this useless app. Massive fail!

Is it a scam?. They bought Citibank and force move my credit card to this utterly useless app. It forced me to reset the password every time I tried to log in and then immediately locked that password because of some “security” reason and asked me to reset again. What is that? How can I made my payment? Is this a scam to profit from people not able to make their payment? I guess Fair Trading should have a look into this kind of business practice.

Even worse than the old Citi app. Has anybody actually tested this app? Itty is unusable. I can't switch my NAB Citi card to this app as I can not set a password during the migration process as the password confirm field is being blocked by the virtual keyboard with no scrolling of the app page to make it visible. Absolute ridiculous. Basic UI/UX testing not done.

Flawed. The other reviewers are lucky, I can’t even get into the app after installing several times. Website is also super basic with no ability to download transactions. Like others, I think I’ll be looking for a new alternative unless there are some dramatic improvements.

NAB epic fail. Citibank had been doing an amazing job until NAB took over and now what previously had been a great credit card product is now a trash people want to get rid of. Poor communication poor experience and every interaction looked like NAB wants their customers gone asap. So I am leaving this comment as I am calling to close my accounts. Thanks to citibank and bye NAB.

Clean UI but full of bugs. The new UI is much cleaner than the old Citi app however it is slow, laggy and full of bugs. Firstly, password manager integration is poor. Autofill doesn’t work for both password boxes during setup and the keyboard covers the “confirm password” box. This means that the paste icon is also covered by the keyboard. Secondly, the app is just overall slow and laggy. I’m using a iPhone 16PM on the latest firmware version and the rest of the phone runs smoothly, so it’s definitely just a problem with this app.

Good, but needs some polish. Setting up an account for the first time was a pain, biggest issue being the keyboard covers some inputs and you can’t scroll down to bring them into view. This was especially painful on the setup password screen where you can’t ever get the confirm input into view. The app doesn’t support password managers properly, so pasting or auto-filling a generated password was impossible. Took 3 separate SMS OTPS and entering DOB 2 separate times across the flows to eventually get setup. Feels like these details could have been shared across the flows. Once in the app is functional and simple. It’s a little inconsistent in some places with headers and spacing differing from screen to screen. Some screens will show a loading spinner, then a black screen, then a loading placeholder before yet another loading spinner. Feels like it’s probably a web app wrapped in a native app. Swiping back from the transaction receipt screen goes back 2 screens rather than once. But the back button works correctly.

Disappointing. Slow and buggy app, which won’t allow me to login. Website login is fine. But app performs poorly when compared to the previous Citibank app or any other banking apps. If the Mycard app doesn’t improve, I’ll probably close my account and move on. This Citibank customer for over thirty five years is not happy.

Awful, what is this!. I originally set up face id, that no longer works so now o have to use my password each time. Where are the cashback offers located? They aren’t under “offers” there’s no instructions emailed after the changeover to help navigate the new app. What’s the issue with Face ID! Please fix it

App is slow and poorly designed. The app is so slow and clunky, and half the words are the incorrect sizing so I can’t even read what the menus say. Some of the options don’t even respond more than half the time like ‘my details’. Every time I select any option it takes a long time to load.

Unable to login after completing the setup in the app. Completed setup the logout. Tried login again using passcode and biometric, both are kicking me out with message “we ve logged you out .. to protect your security, we had to log you out, Try logging in again”.. wondering what security protection they are doing here 🤨

Horrible app. I had a Citibank Mastercard and NAB purchased retail so it came under the NAB control. Unfortunately rather than use common sense and let us manage the Citi Mastercard under the good NAB app already in place they decide to shove us onto this useless MyCard app which has basic functionality and looks like it was designed and coded by a high school kid. I can’t even use the chat feature it says still under construction!!!

Absolute garbage. Having been forced out of my beloved Citi Mastercard of 20 years to this unappealing garbage MyCard, today I tried to create a new login on new app using my iPhone device. Looks like this app was put together in a hurry with little to no testing. It was a disaster of an experience to create a new login and now it keeps logging me out continuously - I can’t even login to see account details after the initial login once. Absolute pos from NAB - well done taking over a functioning citi product and trashing it.

Expected more. I really expected more, they’ve had THREE years to get this right and whilst basic functions work well. I can’t see any of the “benefits” of my card, or any special limited benefits like the Citi app used to have. For a card with a $700 fee, I’d have expected the app to give visibility of all those benefits

Unusable mess. Really bad EVERYTHING. The keyboard keeps blocking the UI, and you can’t scroll to the textboxes you’re meant to type in. This happens across everywhere in the app. I can’t even get past the password setup screen with the app - had to use a browser on my laptop. The app also freezes several times in the few minutes I’ve used this app for. I’ve had to kill the app several times and start over. Seriously who made this app? Do they test this at all? How did Apple approve this mess of an app? I’m so upset that Citibank suddenly forced me to use this app now.

Worst app ever. I’m a patient person but this is the worst app ever. I downloaded it cos I have to now that NAB owns Citibank. Successfully set up my login but now I am stuck in a loop of trying to log in and then it tells me it has successfully logged me out every time I try to log in. I have tried both biometric login and passcode login and the result is the same. Time to cancel my account

No Updated Closing balance. Very clunky Mobile app and awful colour scheme (who on earth approved this?). Most importantly it doesn’t include key features like showing the “updated closing balance” which was an important feature of the old Citibank mobile app. Will be closing my card.

Poor product. Poor product, poor performance, designed from the 60’s with even worse service functions. Sale item from Citi bank to nab, then branded this bc they can’t integrate it into the bank so it’s run out of Philippines. Shouldn’t be a AUS banking product. More like scammers solution for free data services.

Terrible. Never written a review here before, but compelled to write one after a forced transition to this product. The app regularly does not work and allow me basic access to see my transactions… hoping the poor review will prompt action. Otherwise I will have to close the account.

Great LinkedIn Announcement, Terrible User Experience. This launch prioritized PR over user experience. Multiple features are broken, the migration path is poorly designed, and basic functionality doesn’t work reliably. The gap between leadership’s LinkedIn celebration and the actual product quality is startling. Extensive bugs suggest this needed several more months of development before release. This has to be one of the worst apps I’ve used by far

What’s the point?. The idea of making a seperate system for banking to make it easier, when everything was originally in one place, is a terrible business move. It feels like more of a money grab (because I’m sure a lot of other people are in the dark about this change, so imagine their interest rates after discovering they’ve got so much unpaid credit card debt) and more complicated than it needs to be. Now we have to provide all our information to a new platform, learn how to use it, and for what? The system keeps crashing, I can’t imagine anyone actually going out of their way to use this system. So it’s people who’ve had a credit account with (in my case Suncorp) another company, and we’re not told how to use it. One reviews feedback suggested going to the post office to make payments. Sorry but how is that easier? Once I’ve payed off my credit card I’m closing my account and never using this app and company ever again. I feel like it’s not even a viable system that will last long term - with this many complaints and issues, whom ever is now in control of this system should take on board all the feedback and go back to how it was before. The company might not feel the pinch now but none of the customers are happy. Only positive of this, is it makes people want to pay off their loans sooner so we never have to worry and waste time on this any more.

Poor communication. It has been difficult to set up. I had issues with one of my cards sent them an email on Monday and still waiting for a reply. I decided to get on their helpline. I was waiting for 57 minutes and still didn’t get through to a consultant. I will be cancelling my card.!!!!!

Worst Bank App Ever. This is the worst app I’m using right now. The old Citi Bank app is a better app than this application. I don’t know why they just moved Citi accounts to this application. This is the worst, worst, and worst application in this world right now; even small applications are better than this one, but this is the worst. I don’t know how this application is listed on the Australian Play Store right now.

Terrible design and terrible function. Not designed and tested properly. Setting up a new account doesn’t work properly as pop ups block the screen. Them using it is even worse, slow, clunky, drops in and out - says it’s signed you out then half way through signing back in you’re already back in. Pretty nervous that such bad technology is managing my money. Its an ugly design and dumb name too.

Needs work. Login worked once, after a bit of user ID creation palaver, with no opportunity to save credentials to Passwords nor to have Apple generate a good password. Alas, login worked only the once. After that, subsequent login attempts involve multiple biometric checks followed by an error page. Happily, the website works much better. Fix the login issue and this might well be a pretty good app.

Expected more. Painful trying to create login as you can’t see the part of the screen you’re entering details into once the keyboard appears on the screen. Takes several attempts for it to recognise I wanted to log out and again when I logged back in. Am sure this app cost a fortune to make and yet it clearly wasn’t tested before launching.

Good with some glitches. As the password field is obstructed by the phone keyboard, you can’t see what you type or paste easily. But you can press on the password field and not letting go until the Paste option appears. Another option is to use the iPhone mirroring. The app logs you out every single time. And the session is short so you might be kicked out and start the whole thing again. Once you registered, you will be login using passcode by default, so if you use a password manager, you might have put in the password instead of a passcode (6 digits) and would cause the login to fail. Overall, the UI is easier to navigate than Citi and looks nicer but personally I think the brown color theme looks rather cheap. The transaction history took 7s to load and same as the payee list. And it is slow every time and not just the first time like NAB app. Probably the slowest out of ANZ, CBA, HSBC, ING, NAB, Westpac apps I have used over the years.

Sign up process needs work. Two bugs block progress as part of the sign up process, the flow seems poorly thought out too. Email provides the member id, but I still need to go through a process to retrieve it, even when I already have it. Keyboard blocks password fields on my iPhone. Redundant steps of filling in date of birth multiple times, and filling in passwords multiple times. Also needed to get the six digit pin about 4/5 times just to sign up. Poor first impression. I’ll continue using the app and update this review. There is some bug when trying to log in with biometrics, I have a screen recording if a dev wanted to reach out

Ok launch but quite buggy. It’s much, much nicer than the old app but that was a 1/5 star, so that’s not necessarily a big achievement. They just launched, so I hope it improves but for a new product/app, still quite buggy and clearly not native iOS. Which is fine but it’s also not iOS optimised. e.g. if you swipe back from edge of screen on a TX detail, it takes you back to the root screen, not the TX list screen. If you press the dedicated back button, it works as you’d expect. Things like that. It’s missing some kind of activity indicator, a bunch of actions just look frozen with no indication the app is doing anything…then it suddenly transitions. Login is a mess, background state and coming back. Doesn’t blur screenshot correctly, comes back to the app with no bio check. Then after a delay, oh you were actually logged out. Log in again, and, oh nope? Logged out. Login again, ok this time you’re ok? Now the pros! TX list is SUBSTANTIALLY improved. 1) finally joined 2025, with business logos and other merchant details. 2) date ordering is correct! Wow in 2025, November TXs aren’t sorted into October! Amazing stuff. 3) BPay updated to not use your card# 🥳 And…you can redeem reward points on your phone! Not in the app but still, at least on your phone! Hope to see continued improvements, won’t need much more and then will be good for years.

Frustrating can’t setup new ID. Downloaded this app a couple days ago as Citibank has instructed, however I’ve been led back to the setup page 5 times trying to setup my new ID. After entering the verification codes I’m led back to the beginning. This isn’t an easy experience, wasting my time. A banking app should be more reliable than this.

Who approved this decision? Money Mismanagement waiting to happen. Set it up, a bit of back and forth, no proper integration for compatibility. Now it won’t open, loading issues or some such. I’m not thrilled about having a new platform for a credit card, I prefer the original system of having it attached to the account for simplicity. I feel this is just a terrible money management choice for any back in their advantage against a consumer, it creates a ridiculous and frustrating hurdle for when you are trying to appropriately track your spending. It feels like a money mismanagement avenue that is the perfect (unintentional or not) set up to affect customers the most. And recent updates of bug fix, what minor bug fix? It’s still buggy, you need an exterminator and Hazmat suit my friend. In response to your response. Yes bpay is set up but this is not a better system to previous one I had since I could see the credit card with my other accounts at all times much better to track and pay than this system

OMG. Worst. App. Ever.. Well - another forced migration completely gone wrong. Biometrics access doesn’t work. Password on app doesn’t work - while it works on web. Terrible user interface on mobile web. Spend half an hour going in circles. Load time issues. Forced log outs. Goodbye NAB. I’ll get 120k frequent flyer points on something that actually works as intended.

Low budget app. I recently tried transitioning from the Citibank app to this one, and the experience has been frustrating from the start. I can’t even log into the app without an error popping up, which makes it impossible to use any of its features. On top of that, the brown-themed design feels outdated and not particularly user friendly. This platform needs significant improvements in both functionality and overall design.

Ugly. I have to say the colour palate of this app is hideous. It is that bad that it detracts from the actual app itself. I just hope NAB didn’t pay too much for the marketing contractors they existed to create this. OMG they could have just chosen purple, or something else other than dogsh!t brown. It’s not even near chocolate colour. I don’t like using it purely for this reason alone.

Did no one test this before release?. I do not usually review an app, if it’s bad I usually just delete it. But this app was NAB replacement for the Citibank app. And first impressions was not great, the screen with forms did not accommodate when keyboard appears, so the keyboard was blocking the field that you are typing in. During sign up the app was stuck after asking biometrics permission. Seriously embarrassing, if you are gonna move people to a new app, at least make sure it works properly.

Very bad. Nothing worse than unreliable banking application. I can’t understand who completed and signed off user acceptance testing for this application-it’s not good and makes me doubt quality of NAB service altogether. Unfortunately can’t be avoided but I’ll certainly look into transferring to another provider to avoid dealing with this app. Disgrace.

Missing basic critical functions!. I simply wanted to increase my credit limit, which is something I was easily able to do on the Citibank platform without customer support intervention. The app has no option to increase credit limit so I decided to get in contact with customer support. After being kept on hold for over 1 hour, they told me it’s not currently possible to increase my credit limit due to limitations on the new platform. They then told me I’d be advised when this feature becomes available and were not able to give me any sort of time frame of when this will happen. A core function as simple as adjusting your credit limit should be readily available for customers from the get go. Not only is this feature not available in app, it is currently not possible for customer support staff to action this over the phone which is just completely unacceptable.

Push notifications please. Hi, having experienced card fraud recently, it’ll be good if the app does push notifications on card transactions as this will immediately prompt me of any unauthorised card purchases. Can you please add this feature as a priority update? Thanks.

Rubbish customer service. Citi has now become my card. The customer service is absolutely rubbish ( over the phone and the online chat) spent about 30minutes over the last 3 days EVERYDAY then give up but decided to stay on the phone today it’s been an hour and my battery need a charge so thought I’d leave a review here as my last resort. Not sure why this is so hard guess they collected all the dole bludgers and gave them a job. Guessing everyone is around the water fountain. Imagine if you were calling to report a lost card or needed help with a payment that was urgent. My advice go back to Citi.

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