ME Bank Reviews 

Steer clear of ME bank.
Coming off the back of 9 years with ME bank.
The on line app is junk.
No longer doing credit cards so you will need to take out a credit card with bank of Queensland who is there parent company.
If you like to travel overseas don’t use ME bank their fees and charges are through the roof.
Very reluctant to pass on an interest rate drop when other banks pass it on straight away.
Me bank was my first home and unfortunately I didn’t realise how bad they were until went with another Lender.

If I could give zero I would. Since being taken over by the Bank of Queensland I could write a litany of reasons why I think they are the worst bank ever. Primary amongst them is that they did not inform me that my mortgage was about to be paid out. Suddenly I found that there was no money in my offset account! A ramshackle way to deal with customers and conduct business. I left the Commonwealth to bank with ME, I'm going back to the Commonwealth!

Since BOQ took over ME have been useless.
Credit card pay in option has gone from my app and replaced with link an account of my brother ffs .And they have charged me a late payment fee on my credit card but removed the option to pay , and I can no longer see previous trans actions . They have also repeatedly charged a dishounor fee even whes payments have been made ontime .theyare a blody disgrace.

terrible customer service! on hold for over 2 hours! unable to speak to anyone. no online option if you cant access the me app. 2 days in a row.

It’s an online bank without people to answer phone!!! 1 hour to talk with someone. Today I decided to leave it!!

The wait time on the phone and customer service over an hour. I finally texted on the chat line that I would take this issue to head office, then some one came on the chat line was very polite and put in a complaint for me. I think that I had funds redirected to another group not Michelle Fielding who is a well known identity in the UK. I emailed Michelle and what I thought was locals.com but $appear to be taken out by Locals-Locals not her group. I sent them a photo 18 th November, cannot find the organisation to delete monthly ongoing payments. I suggest ME bank management have underestimated staff workload and perhaps not training them up properly to equip them. This is often a problem with big organisations they don’t put enough time into training and customer service take the load unfairly.Tried over a week

ME Bank phone customer service team are in the sleeping mode, they are useless and we are going to leave the useless bank! Brainless service.
Very disappointed from Me bank! I would not recommended to anyone to join this useless Bank at all. Local service support is much better than useless oversea.

ME BANK SYSTEM DEBARCLE
If anyone is thinking about ME Bank, proceed with caution. At 8.15am yesterday I rang to find out my current home loan balance. Put on hold for more than 2 hours before being answered. The CSO who answered didn't have a clue what I was asking and kept asking what kind of account I had. After nearly 10 minutes of talk he told me that I had been put through to Banking and he would have to transfer me to home loans which he did. Another 1 hr 5 mins on hold the CSO told me she would have to put me on hold as she could not access my account. Another 10 mins on hold. She returned to tell me she would have to transfer me to the Virtual Home Loan Section what ever that is and would have to transfer me to that Section. Another 35 mins later on hold I found I was again put through to the wrong section. She was actually quite helpful and offered to contact the right section and obtain the information I needed for me. After being put on hold for another 20 mins she came back to say she could contact the right section and that she arrangedfor someone from that section to contact me and provide the information. That was at approx 12.30pm after starting the call at 8.15am.
Just before 6.00pm I received a voice message to ring ME Bank and provided me their main telephone number. Stupid me I rang them and was put on hold till just on 8.00pm no answer at all.
Started again at 10.00am this morning, same thing happened. At 12.15pm I gave up with no answer to the call and no information forthcoming.
If you expect any form of Customer Service or information about your account, ME BANK is not for you. Their service is totally substandard and quite bluntly disgusting.
Government Departments who often come under crticism for their long wait times when contacted should use ME Bank as a prime example on the "Well, you think we are bad, try contacting ME Bank" basis.
STILL NOT GOT THE ANSWER TO WHAT WAS A VERY SIMPLE ENQUIRY. God help anyone who has a complicated enquiry, cause ME Bank won't.
In all fairness ME Bank used to be great to deal with and had high Customer Service Standards. THAT NO LONGER IS THE CASE!

Horrible customer service experience. Took over 1.5 hours on phone to get through to someone in the home loan team - only to be put through to someone who is not helpful and does not have a brain. Will be going back to a major bank!

Worst bank to deal with and zero communication

We had a very disappointing experience with our interaction with a Senior Mobile Lender. ( Suresh Balendran)
There was no proper communication on his end as to why certain decisions were made.
After leaving messages for him to get back to us or sending emails, no contact was made at all.
It’s a shame that we had to deal with this person who initially was very enthusiastic and contacted us every now and then even on weekends.
I’ve dealt with ME bank (Victor Lozanoski) before. Victor went out of his way to make sure that all our queries were answered and we were looked after.
However never experienced such unprofessional interaction.

⭐️ 1 Star – Very Disappointing Experience

My experience with ME Bank has been extremely poor, and I would not recommend them.

The biggest issue is their communication and response time. Whether you contact them by email, internal message, or phone, it routinely takes a minimum of four days to receive a reply — longer if it’s over a weekend. In today’s age of technology, that is simply not acceptable.

When you do get through by phone, the wait times are long, and the service feels disconnected and unprofessional. Staff often can’t transfer you directly to the right department, and when they promise a callback, it rarely happens the same day.

Another ongoing frustration is their slow money transfer system. Moving funds between ME Bank and the major banks is unreasonably delayed, showing they are well behind in banking technology.

Overall, my experience with ME Bank has been slow, frustrating, and disappointing from start to finish. I would strongly recommend looking elsewhere for a bank that values efficiency and customer service.

— Brian Roebuck

Don’t be tempted by decent interest rates. I was the victim of a fraudulent account takeover and getting my funds back in a timely manner has been a nightmare despite alerting the bank on the day that my account was taken over . 3 weeks later I’m still waiting for my money to be refunded . ME Bank’s security protocol seems to be lacking .

I've been a ME bank customer for about 7 years. They used to special. Over the last 6 months I've moved most of my accounts to other banks, as they've dropped products and dropped the better than average rates they used to have. Now they're just the same as the big guys. But with less features.

Waited on hold for 1 hour got bumped to 2 different departments no resolution absolute rubbish customer service.

Would give 0 if I could - never been so frustrated in my life. All of a sudden their online banking and app stopped sending the security code to my phone! Called, couldn't get through, message said use online chat that took longer!!! then when they came on they can't help! said reload the app - tried and now cannot get in as it needs the security code that it cannot send ------!!!!!

After hanging on far longer than I should have hoping things would improve I finally closed all my accounts with MeBank. Ever since the launch of the MeGo app and, let's not forget the major outage back in late January 2024 (the system was down for nearly 29 hours from the evening of January 24), things have gone steadily downhill.

Both the app and the online banking portal are plagued with recurring errors and glitches that remain unresolved. I’ve reported them repeatedly, and customer service has even acknowledged that other customers are experiencing the same problems yet nothing has changed. It’s frustrating to stick with a bank that doesn’t act on feedback or deliver even the most basic functionality reliably.

I’ve now moved to Bank Australia, and the difference is remarkable. The app actually works, the features are intuitive, and customer service has been outstanding. Everything feels modern, stable, logical and user friendly, a far cry from MeBank’s Go banking system.

MeBank, you had plenty of chances to turn things around but instead you just added to the failures. It’s disappointing to see a bank fall so far.

Overall, ill admit i never had an issue banking WITH Me bank. In process of refinancing and switching to a new lender.
54min hold time to get a discharge paper. Yes, you can download it yourself, however you still need the "unique" discharge number which can only be obtained via Me bank.

The discharge process...... 20-23 Business days... WTF...The only bank I've come across that for no other reason other than to annoy you and keep you waiting. Even my broker said, Yep, ridiculous, and only a Me bank thing. Apparently, there's constant and regular issues dealing with Me Bank.

Reading other reviews, it seems others have had similar issues when leaving Me, especially if you have a mortgage with them.

I have been an ME customer for approximately 25yrs. This includes two mortgages, multiple accounts and a Mastercard. I’ve recently started to transition away from ME due to the continued decline in service. The days of calling on the phone and being answered in a reasonable time frame are well and truly over. Right now I have been on hold for over 45mins. I’m attempting to call to ask why my request made over a week ago, to absorb my additional mortgage payments back into the loan, has still not been actioned? In fact I have just been advised this request is likely to take two weeks! I am disappointed that the Mastercard product has been withdrawn. Plus, I cannot believe ME is still playing the same painful music on a repeated loop after all these years. Finally, no Osko facility! I’m getting out.