ME Bank Reviews 227

It started out well enough 3 years ago. But after 3 years, we looked around and found out that ME wouldn't want to offer us our current mortage....and that they were overcharging interest to the tune of $500/mth. Add to that the arbitrary decision to push us to a different platform, the incorrect email content on interest rates and transition to ME Go, and the fact that it's now been 3 phone calls and 3 hours of my time just to get a discharge form (after being the told the one on their website is incorrect), I cannot wait to be done and dusted.

Since BOQ take over this once great bank has been a major disappointment.i have stayed on hoping for an improvement but its got worse,as of today im no longer,changing banks as of today

i have been with mebank 25yrs
customer services is worthful spending 1hr + on the phone is terrible.
even alfred your banking bulter.is hopeless waited for 40minutes to get contact

Trying to get some information on my homeloan discharge. Been a customer for close to 30 years. On hold for 2hours and 4 minutes. Ended up hanging up! Back on again - waiting for 1 hour!!!!! absolutely pathetic - will NEVER use them again.

I have to say the ME Bank's new application was clearly designed and implement to achieve one objective; to provide customers with a valid reason to close accounts with the nightmare roll out between their legacy and the new GO (nowhere) App. It is startling, to think that some desk bound clueless marketing guru jockey with an overpaid consultant using w**kwords to impress a board to launch an incomplete application that does not capture all the customer information that exists between the app the legacy platform. It is disconcerting that in my case I was transferred in May 2025, you would think that it would be up-to-date, but no, I spent 45 mins waiting in the ME queue to be answered, (I want to emphasize that this is not about the the CSR's they have been placed in this unholy pisspot by higher authority trying to put out multiple bush fires) I was told that I needed to be transferred to the GO App technician help desk, the person who answered was pleasant, but resolved nothing other than telling me the information I did not see on go nowhere app was on the legacy platform, transferred waited in the queue for 1hr 20 mins and then hung up on despite being told that the call centre was open to 08:00pm. So now I, like hundreds of other ME customers have to start from scratch, hanging up is not going to make the problem go away, it will still be there in the morning. But giving me more reasons to abandon ME that when it started was fantastic, until now, has lost the plot since being taken over, by releasing an app that was not ready to be released; but then the shareholders probably demanded it!

Worst bank EVER. We cant wait to get out . I urge people do not join ME. Wait times over an our, to ask a question.

If I could give this bank zero stars I would.
From poor customer service, extreme wait times to get through to the customer representatives, to being unable to purchase tickets online due to MEbanks clunky, faulty failing 2FA system to which their staff dismiss when complaints are made... this bank needs to be closed permanently

I had a very frustrating experience with ME Bank during my home loan.
I was advised by their staff over the phone that if I wanted my monthly repayment to be taken from my redraw account, I could simply empty the direct debit account and the system would automatically deduct the repayment from the redraw balance. Following their instructions, I did exactly that.
However, instead of doing what they told me, the bank started charging me dishonour fees every month. This went on for several months before I realised what was happening. I was essentially paying fees because I followed the guidance given by their own staff.
Because of this experience, I decided to refinance away from ME Bank.
To make matters worse, it has now been over three weeks since my refinance settlement and they still haven’t processed the discharge. The delay is unacceptable and feels like they are just ripping customers off with unnecessary fees and poor service.
Overall extremely disappointing service, misleading advice and very slow processing. I would not recommend ME Bank.

Update: It’s now been over two months since I refinanced away from ME Bank, and unbelievably I’ve just received another bill from them. Already paid all fees requited when refinancing, seriously what is going on?

Constantly getting locked out with excessive log in requirements. I made one mistake trying to log in this morning and I'm still locked at 6pm!!!! Ill be closing my accounts soon. Dont need the drama.

ME Bank can't be trusted, they just don't care about you. I had a direct debit come out of my account from a business I cease doing business with, I rang customer service, after waiting for 1 hr I was told yes they will refund it back into my account and it would take 3 weeks, wtf after the 3 weeks the money still hadn't been refunded ! I rang the company direct and they said they'd refund it in 5 working days and true to their word it was.

Don't bother trying to invest money with this lot unless you have a couple of days to spare chasing up the myriad of bureaucratic obstacles that are placed in your way. A simple task of investing some money with them required not only their own bureaucratic nonsense with multiple forms of ID which were occasionally rejected by the system, but the transfer to an unknown third party who wanted the information all over again. Ended up investing with the CBA with a slightly lower interest rate, but the transaction was completed within 10 minutes.

This bank refuses to pay the interest I’m entitled to, their pathetic excuse if I withdraw money it affects the interest I’ll receive. They pay me nothing, but earn interest on my money. Disgusting service

So far have spent 2.5 hours on hold over 3 calls, as still haven't spoken to anyone. I don't have infinite time putting up with their hold music and voice over saying my call is "important".
They sent no useful information to me after moving my home loan to them. The info I did receive had broken websites and referenced an app - but which one of their apps??
Like app roulette.
Have made complaints with no follow up. Broker even tried to get them to call me as I have no idea when payments are due, how to access accounts.... No information, no help, haven't spoken to anyone or got an email.

I have always loved having ME bank accounts because they weren't like the big banks. You got personal service, while being able to talk to a real person, with minimal hold times. Or, I would contact them via Me bank chat and it was immediate assistance. I had a failed transaction 3 days ago due to my failure to increase the money in my account. No drama, I transferred more funds and tried to make the transaction. No go. ME bank would not let me make the transaction. Ok, their system likely thought it was someone using my card. Simple fix by me calling them, except I could not get through to ME bank. I tried again on Sunday but could not be bothered waiting. So, I waited for Monday and have been on the phone on hold for 58 mins!!! I tried reaching ME bank via the ME go app using chat, but that was useless and I could not even get a recorded response from a robot. This was likely the last straw and I will now be moving my accounts to one of my other banks. The customer rep was helpful when I got through but I just cannot rely on this bank anymore.

I received an SMS from ME Bank advising that my credit card (I had in 2018) information would be provided to a credit reporting agency on the 9th of Feb. I tried to log into the account that I had, and when I logged in there were no accounts or any information for anything. Blank details. I haven't had an account with ME Bank since 2022 but apparently, I now owe money?! I advised the credit reporting agency that I had no account and they are following up but it will take 45 + days to get this information from ME Bank. They said I need to prove that I no longer have the account. What the hell!

I have been trying to access my account since ME Bank migrated my accounts to ME Go. I haven't been able to log on even once. It's been 5 weeks now. I don't get the access code via my phone or email even though both correctly appear on their system. I am sick and tired of calling them, most calls lasting hours. I have been promised access, but nothing happens beyond that. I keep contacting them without any resolution. It's frustrating and unprofessional. Next step is the Banking Ombudsman.

They once were good and now they are awful. Customer service is absolutely horrendous. Super long wait times. I had a guy tell me he'll forward my call to someone who can help me and forward the call to Virgin Money. WTF? The poor guy who answered the call at Virgin Money had no idea how to help me and was baffled that the call had been forwarded to them. Needless to say I'm in the process of closing my accounts with them, as well as my wife's and my children's. Very disappointing.

on 19 February at 10.35am I tried ringing Me Bank to inquire as to why a payment to my body corp had not gone through. I have the receipt from ME Bank for the payment. I waited 18 minutes on hold listening to crappy on hold music. I hung up and tried again. Same response. At 4050pm same day I tried calling again - only to be on hold again. I tried emailing the bank with my query only to get the response that I had to ring the bank as my enquiry could not be handled by email.
Today, February 25 I tried ringing the bank again at 10.40. Guess what - back on hold for 20 minutes before i was able to speak to someone, only to be cut off while I was explaining the problem. I immeditely rang back, this time on hold for 25 minutes until being able to talk to a person who could not give me an answer as to why the payment to my body corp did not proceed. Due to the original payment not being received by the body corp I have had to pay a late payment fee of $33 on top of the $858 . I have discovered that the banks call centre is located in the Philippines. I have two accounts, one of them being a term deposit which as soon as term expires I will be withdrawing all money , as well as savings accounts funds and going elsewhere. I should have looked into the complaints about ME bank before i opened accounts wih them

Absolutely worst banking experience of my life. Had a mortgage and bank accounts with them and do not recommend any of their products. Their customer service is dreadful, their apps and online functionality are very basic lacking regular features, & they take a number of days to raise home loans but weeks to reduce them when rates change.

Waiting over 3 weeks just for an answer on our top up application. Spelling errors in most of the correspondence. Failure to answer emails & phone calls i have made. We have been with ME for over 15 years & are now definately going to change banks. They used to have amazing service but now it is so bad