ME Bank Reviews 

Received letter saying my loan #1 was closed on 1 Jan 1900 (not even born), I signed loan discharge docs (never received) and that you were advised the offset transaction account would have to close (no you didn't). Telling me if I don't transfer the $ by a certain date, they'll close the accont, hold funds until I've organised this. Try to ring and told expected wait time is 85 minutes. I'm also dealing with another issue with them, which has resulted in two phone calls, speaking to three people and ending with "we don't know, will get someone to contact you who can". Still waiting to be contacted. Send online query. Response someone will look into and contact you. No longer any branches in my state to walk in to and actually talk to someone. No email addresses on website. ME Bank used to provide great customer service, but over last 12 months they've gone to shit.
UPDATE 25/2/2026: Today I received a letter saying I missed my loan payment of $5269.48 and I've been charged a $25 arrears fee. I pay $150 a fortnight by direct debit for this loan #2. They've just decided to close the account. Their behaviour and total respect for their customers is deplorable. The inability to get any response and action from them is impacting my mental health.

Was a great Bank - ONCE UPON A TIME!! Now since the acquisition by Bank of Queensland their service is appalling as I have tried them numerous times over the past three days with wait times of over an hour and then the call keeps dropping out. Appears as if the BOQ wants customers to close accounts with ME Bank, perhaps it is their way of winding them up? Thank God I don't have borrowings with them. Will be closing all accounts.

No customer service whatsoever!!! Waiting hours on phone. DO NOT, DO NOT USE THIS BANK. ABSOLUTELY APPALLING. SHOULD BE SHUT DOWN IMMEDIATELY

Always an hour or more in telephone queue because the MEGO app is a stellar failure. Run, do not even go near this Bank, the level of misleading advice, wait times, mismanagement of loans and they withdrew credit card facilities for all members.

Would give negative stars if I could.

Got an email to say my credit card will be sold off to debt collection agency.
I haven't been a customer for a number of years. The credit card I had with them was closed in 2012.
Waited on hold for over 30 minutes to talk to someone (automated wait time never kept telling me wait time was 15 minutes).
Could not receive any answers and the customer service agent (Nico) was awful to talk to and unhelpful to say the least. So apparently I will receive a call back this week or next.
So will be waiting for answers on how I have an outstanding credit card debt and the stress of trying to resolve this situation with a customer service agent who doesn't give a damn

As a long-term supporter of Mutual Equity, even before they became ME Bank, they have continually offered Term Deposit interest rates much higher than many other financial institutions. But unlike those others, their website is useless. Customers can open Term Deposits online, but once they mature have to call their under staffed call centres to choose whether to withdraw some or all, deposit more, change period of investment to take advantage of better rates. While waiting up to 40 minutes to actually speak to a human, we are told that they are playing the "music" of "rising Australian musicians." None would make it past the audition stage of The Voice, or Australian Idol. ME has 2 different apps we can download, but neither offers more autonomy for customers to avoid having to phone. Call centres are NOT available 24/7.

If you want to waste hours of your life, phone the ME bank customer help line.
Regardless of what time of day or evening you call, the first message you will hear is one telling you how very very very busy they are, and to expect significant wait times.
Then whilst waiting (and waiting and waiting) on the phone, you will be told by another voice that if your call isn't urgent, you should hang up and "try againtomorrow".
Truly pathetic, but so very very very typical of ME bank.
If you have any other options, avoid ME from the beginning as you are only going to be disappointed by the rubbish 'service' provided by this crap organisation.

Just refinanced to them. Unable to get through on the phone. Wait times ridiculous, even at 8am when the call centre opens. Finally got through and the person hung up and didnt call me back

I have been trying to change my phone number now for 6hrs.
Yesterday for 3hrs and then i am still on hold today. I have been through 3 different people and the told by the last person that it will be another 42 min until someone else will talk to you.
The second lady said in order to change your phone number you need to send hard copies of your license and new phone bill to a P.O Box number...... Wtf are we back in the early 2000's???
Customer service is shithouse!! I need to stay on the line as i need access to my account.
Go to hell both BOQ and ME Back!!!! Im with both and they are just as bad as each other.
Their mobile banking and internet banking upgrade has been nothing but the biggest failure in business history

You don’t rise to the level of your goals but fall to the level of your systems……..I received an email today from ME saying that they are pleased to pass on the rate increase on our mortgage in full. I was very disappointed to receive this email. I have since received another email saying that the bank is sorry for the error. While I accept the apology, it’s quite an error and is completely unacceptable. Sadly, this fits with the bizarre situation that occurred when our Frank credit card was closed (as the bank discontinued this service). I received two separate emails informing me that I still owed money on my account. I clarified on two separate occasions, and have received in writing, confirmation that I do not owe anything on a ME credit card. The bank’s systems are poor and they are not trying to provide their customers (who pay for the service) with an appropriate level of respect. The people who work in customer service are always polite, helpful and respectful. This review is not about individuals but is aimed at systems and processes that are not designed to provide a service to ME bank’s customers

Absolute debacle of a bank.....been sold out over and over again [I can see why]....gave me a reasonable credit card rate to start then cancelled my credit card......I'm a pensioner and cannot get another one.....I was scan-scammed in China.....notified them immediately via phone (1 hour wait time)....told they could refund the four small amounts (total $40) but they have to pass on the big scam of $109 to another department!.....incompetency personified........another 3 phone calls (wait time 60 minutes each time) and still have not rectified problem....absolute joke of a company (whoever currently owns it should be absolutely ashamed)......lousy, disgusting, pathetic service with phone wait times that rank them up with Centrelink and service that is non-human & almost non-existent....now I hear they are selling off their outstanding Frank credit card balances to a credit company including my scammed $100+ that they have been charging me interest on for the last 3 months....ME bank ARE the scammers

Since Jan 24 we have been locked out of our accounts, they never sent us the email with our login codes, tried to phone ME to get sorted but could not get through, waited 2 HOURS yesterday only for the fool to say he couldn't give us our login codes, asked to speak to supervisor told NO, WTF?? Looks like most customers might need to think about changing to another more reliable bank. Thank god we have some cash on hand otherwise we would be royally stuffed. Can't pay bills, can't access account to activate cards, what the hell does this bank think we should do???

Had my home loan with ME for 8 years, since the app change service has been poor, called and waited for over 1 hour to get told they can’t help me but will transfer you to someone who can but you will have a additional 40min plus wait. There going down the tube time to look around for a new bank

MEGo is a disaster. Locked out of accounts *again*. Last transition was a mess and I have moved all accounts except the mortgage - and I don' t really want the costs of a re-finance. But now locked out again on this transition. It was such a balls-up last timr not sure why they continue with this terrible piece of useless software. Like others, even months after the initial transition last time they could not fix the problem. You are just permanently locked out. Forever.

I have been reading these reviews whilst on hold with ME. I have to agree ME was once a good bank. I can't say this anymore. Their decision to scrap the credit card and transfer from ME Buck to Me Go has been horendous. Initial date was delayed, uncertainty then closed it. Canceled all accounts. I still have a balance on the old canceled account. I can't access to find how much balance is. I am on hold and wait time has not shortenned. The regulator needs to intervene. Also reading whilst waiting, that in 2018 that in ME Bank was criminally convicted for misleading representations with a $820,000 fine. As a customer I was not aware of this.

Had absolutely no problems with ME Bank prior to the migration to ME Go, I've had nothing but issues since. I've been totally locked out of my internet banking for the better part of two years despite several phonecalls to customer support, which forces me to do all my banking through their terrible ME Go app. It lacks a lot of functionality and makes exporting my statements to my PC ridiculously difficult.

The customer service is abysmal. I have never called up me go and not got the "Please note that wait times are significant" message. On the best of days its a several hour wait, on the worst they just forcefully hang you up. You have to sit through about 5 minutes of preamble before you even get on the queue as ME goes through the FAQ's in an attempt to get you to hang up before you join the queue. This isn't even mentioning the terrible AI generated voices the support wizard uses that are grating to listen to and at times almost illegible.

Based on the online reviews since the 2021 BOQ takeover Members Equity Bank has become Members Evacuating Bank

I wish I could give 0.

Hours and hours of wait to speak to someone and still no benefit.

They keep moving you from one department to another.

I have spent 8 hours so far and they haven't solved most basic problem of banking I have .

I am moving bank. They can't be this disrespectful for people's time.

Customer service is rubbish - they have started something called ME Go - now I find I can’t download transactions to CSV files to analyse and check off transactions in my own Excel system. Trying to contact them by phone is a waste of time and there are no other contact options. Moving to another bank after having been a customer for about 20 years.

Their customer service is so poor. I have been on hold for two. Imagine a bank that can't even handle your simple queries. I will say, go to the Big 4; at least they provide better service.

MeBank has become an offshore dictatorship!
Locked out of my accounts and cards cancelled for 6 days with NO ATM or Eftpos for 6 days. No explanation or assistance from Mebank.
Call centre is in Manilla(Philippines). Massive call wait times. Impossible to talk to someone in Aust about any banking issues so the Bank is basically operating offshore BUT claiming to be Aussie.
Constant changes that costs us money without any customer consultation.
Mebank Executives are behaving no different to Dictator Dan.
Patronising voice messages and questions from a robot does not help.
My money has been moved to another bank. In process of moving mortgage to another bank and then close all accounts. Worse bank I have ever dealt with.