ME Bank Reviews 201

Leave. Very poor and getting worse. Changing banks is a better use of your time.

As a customer for decades, that's my recommendation and experience since ME Bank transitioned to the ME Go app. The app and its browser counterpart are featureless plains for banking, with zero value to those who practice financial awareness.

You will really like ME Go if:

You like PDFs for importing data into a spreadsheet OR entering every single transaction into your budgeting app one by one.

You don't need to export transactions for a specific period of time because all the transactions from the last statement are included as a bonus. Every. Time.

You don't like to search for exact values for transactions because you love sifting through the extra data that whole-dollar range searches provide.

You like the mystery of whether you can schedule a BPAY payment for a future date and are thrilled by the surprise when you must pay the bill immediately.

You like to guess your account balance and which transactions are actually pending because you can see special, extra pending transactions that ME Bank cannot even see.

You like to wait at least 45 minutes to speak with someone who cannot help you or play with a chat feature that might work. Sometimes.

And... you love and trust your bank when you are moved to a new, supposedly better app with all the promise and hope that maybe, eventually, it will be half as good as what you had before.

I've been with ME for 14 years. Settlement of my first property sale was handled abysmally. Including notice of a shortfall due to cross collateralized loans only on settlement day. Now almost 3 weeks later my accounts have not been closed and adjusted and they have continued to take payments.
I have lodged a formal internal complaint. I hope to be able to update this review with some better news once I hear back.

Probably the worst banking experience I have ever had. I have held banks with credit unions, the big 3, and many other financial institutions and have never had a such a frustrating, convoluted, non sensical experience. Felt I was being held to ransom to access my own money. Terrible app, terrible customer service. So many better banks to deal with that make this bank appear to be in the dark ages. Not sure how they are retaining members and managing to operate. I have cancelled all personal banking and loans that I have held with them. It is not worth the headache. AVOID.

The five star rating goes solely to James (ME500305) only. Our overall experience with ME Bank has been extremely disappointing. We attempted to contact ME multiple times about our settlement matters, via phone - min waiting time is 1.5 hours each time, sent several emails with little to no response. Despite this, we were repeatedly redirected between different teams.

Today, however make a difference. James was knowledgeable, professional and genuinely tried to assist us as much as he could. The other terrible services we have been through, shouldn't detract from the exceptional services provided by staff members like James.

A brother of mine has been de-banked. Given a letter by mebank saying his accounts will be closed and he'll be sent a cheque. He called them and they refuse to give an explanation, refuse to bring a manager to the phone and refuse to allow an appeal. My feeling is that mebank has changed so much for the worse since the BOQ merger takeover. Of course my brother is going to the Aust Fin Complaints Authority. Though I want to warn people about this. The only clue my brother has is regarding a transaction. The transaction was approved but he was later questioned about it. Not fraud, just a personal choice of how to spend his money. No police involved, no laws broken. Is this what we are coming to? No freedom to use one's own money as one wishes, even to legitimate businesses and where the transaction was ALREADY approved by the bank? How does that make sense in any way? Me bank needs to improve or people are going to leave.

Absolutely the worst bank in Australia, every call takes at least an hour to get someone to talk to.

Being a home loan customer, they switched my P&I loan to Interest only without my permission. On top of it, charged me a late payment fee for a direct debit payment which the bank itself direct debits. Called them but their customer service (sounds like based in the Phillipines) was absolutely unhelpful. Refusing to acknowledge and refusing to fix this. I am complaining to the ombudsman as this is completely illegal, esp just changing my loan to interest only on their own!!

The initial design of ME (before it was a bank) was great. after becoming a bank service slipped. after selling to bank of qld service dropped considerably.

Now they have outsourced everything overseas.

bye ME, it’s been 20 years. I’m off.

Prior to its take over by BOQ and over decades I found the service and products provided by ME to be outstanding. I have had a BOQ account longer than with ME. I've found BOQ to be extremely poor and wonder if this is why ME is an organisation that should not be in the customer service business.

I have not been able to access my account for many weeks as locked out despite inputing correct codes. And as have been unable to get through by phone after repeatedly being on hold for hours.

They have not replied to email contact and it is not possible to use the chat feature unless the account can be accessed. Bizarre!!

I need to move from this bank unless they can urgently fix their existential problems. Does BOQ deliberately want this bank to fail?

Absolutely terrible bank to deal with. Long wait times and poor service. Absolutely horrible.

Unfortunately I have been with this bank a while and the app constantly has issues and it is always difficult to contact them on the phone. I just do not want the hastle of opening a new account with another bank but I will have to do so.

Have been with ME Bank for about 18 years. Used be an excellent and responsive bank. The erosion of their service, inability to get through to customer service and constant technical issues with their banking systems has been astounding. I will never use them for any complicated financial needs as it could be disastrous. After offshoring their customer service and cutting 200 jobs the overall experience got even worse. They do have excellent savings interest rates which currently keeps me with them, but am certainly looking for alternatives as the current service is intolerable. A text book case of "enshittification".

We refinanced our home loan with ME bank. And that was fine and the interest rate was pretty good. But getting a top up has been like pulling teeth. The top up team are incompetent (asking weird irrelevant questions, missing details, asking for documents already sent, don't know how to read a tax return) and super unresponsive (don't answer calls, don't provide a direct phone number, take a week to respond to emails) and when you call you end up on hold for upwards of an hour.

So if your broker wants to get you a loan with ME bank, thats cool, but when it comes time to refinance or get a top up seriously don't even bother trying to do it with ME bank, you'll just waste a bunch of your time. Absolute dumpster fire.

Just refinance with another bank via a broker that actually knows what they are doing straight away.

I have been with this bank since it first started. Have had 2 home loans with them, credit card, etc. The service used to be outstanding - Could not fault them. Over the last 3-4 years there has been a slow decline in the service - Harder to reach via phone, slow responses to email and online requests. Since being taken over by BOQ and then transitioning to ME GO it has been an absolute disgrace. Phone calls are NEVER answered., The chat function in the app constantly deletes unanswered enquiries, complaints are not responded to or dealt with, the credit cards were discontinued with minimal notice I was locked out of online banking for no reason and as stated earlier cannot get through via phone to discuss or rectify. Terrible bank, avoid at all cost.

This is the WORST bank I have ever dealt with. I have currently been on hold for over 3 hours after submitting a home loan discharge form over 5 weeks ago. This is my 12th contact (email, online & phone) with the bank and I have had not spoken to a single human. Have spent 10 hours in total on hold. Been a customer for over 25 years. Absolute garbage......

Ever since my accounts were migrated to MEGo platform I have not been able to get a phone call to customer service answered. Today I spent over an hour waiting, without getting to an actual person - TWICE! There is no online chat, email address or other way to contact anyone. It is just disgusting - let me be clear - if it wasnt going to cost me ridiculous $$s to move my mortgage to another bank I would have done so months ago. Also, let me be clear, IF you do actually get to a person, they are the best to deal with. The problem obviously lies with management and not enough staffing - or maybe they just plain don't care anymore.

Improve customer service. Poorest i have encountered lately and hard to understand as call centre is based overseas. This bank along with the Bank of Queensland have become a joke. I am actively seeking another bank after being a customer for sometime and would not recommend this bank to anyone. I am embarrased to be associated with them.

Terrible wait times for customer service 1hr 20 wait on phone ,the service people are polite but terribly inconsistent with service and disappointment on no credit service why is the discharge of my money 25 days terrible

Been with them for more than a decade. Needed a written bank letter to verify I have an account with them for an application. Live chat does not work at all. OK I will wait on a call for 1 hour+. They say they cannot send me this information over email because it is insecure. Or by physical mail, when I asked. And there are no bank branches.

I ask how it is different to all the other emails they send me which confirm I have an account with them.

After a bit of probing and time on hold going back and forth with the line manager, they concede actually they just don't do these letters - it's not about email being insecure. Just wasting my time.

I no longer have a relationship manager - which I used to have. Really hard to even talk to someone.

I don't begrudge the poor frontline support people, but there's no one else to escalate to.

Like for others the ME migration to the ME GO App has been so bad that after banking with ME for over 20 years, I’m closing my home loan as it is impossible to contact them and I left a complaint and still no response.