Challenger
RAMS
Overview
RAMS, owned by WBC, is an Australian financial services company that has a presence in all states and territories of Australia. It offers a range of banking services including home loans, personal loans, savings accounts and more. RAMS also provides customers with access to financial advice from qualified professionals.
Advantages
Banking with RAMS has several advantages such as competitive interest rates on home loans, flexible repayment options and access to online banking tools. However, there are some disadvantages such as limited branch locations in some areas and higher fees for certain services than other banks may offer.
Security
RAMS takes customer security seriously by using advanced encryption technology to protect customers’ data and money when they use their online banking service or mobile app. Additionally, the bank employs fraud detection systems to monitor transactions for suspicious activity. Customers can rest assured that their data is safe with the Australian financial services company, RAMS.
Customer Service
Customer service options for RAMS include phone support during business hours as well as email enquiries which are answered within 24 hours on weekdays (excluding public holidays). The bank also has a large network of branches across Australia which are open from 9am-5pm Monday-Friday (excluding public holidays). Furthermore, customers can use other bank ATMs free of charge when making withdrawals or deposits at any time of day or night.
Majors
Big banks with extensive nationwide networks that provide a comprehensive range of services
Challengers
Regional and international banking institutions that offer financial services