ME Bank Arvostelua 

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.

ME bank no longer provides customer service. Three weeks ago I had to call them repeatedly to get a card cancelled. They make it impossible to contact them any other way so I had to spend over an hour each time. I registered a complaint and guess what? Still waiting. Useless

I am actually (gulp) a mortgage broker and I can’t even get a closure letter for one of my own home loans that we paid out. It’s now been 3x weeks since the original phone call. What a joke.

I've been with ME for over 25yrs, but since selling out to BOQ in mid 2021, their service is non existent.
Online banking changes are frustrating and delayed.
Now changing banks, as I'm fed up!
Customer service is also dreadful.
The last straws (several) came about 2mths ago. Over it!

I have been a customer for something like 30+ years. The customer service was helpful a long long time ago. My home loan accounts disappeared from the system after they transitioned to this new banking application. After repeated calls and assurances that the accounts would be reinstated and that they would call me back...nothing has happened for 5 months. They never return phone calls, do not respond to emails and they do not follow up on their words.

Untruthful and do not know how to treat customers in a respectful manner...

Worse bank ever i dont want to give them any stars..Dont bank or get home loan with Me Bank. Been with them for 5 yrs they have overdrawn my account by taking two home loan repayments out on a number of times left me with no money for days then my other bills get dishonoured and starts a chain reaction no apologies nothing dont bank with ME BANK F N SHIT customer service as well liars..

We set up a high interest account, and they paid us ~10% of what we were due for Oct 2024. We complained, and they said we hadn't met the deposit criteria (which we had), but that they'd make an "interest adjustment" as a once-off gesture. We took this to mean a full payment. It was another ~5%. We complained again and they never replied.

I have been with ME Bank for 10yrs and recently requested to change banks so all of my banking is with the same bank.The commonwealth bank requested we wanted to book in a settlement date and discharge form to move forward on the 18th of February and its taken 6 weeks for ME to delay the process and ignore it.
When you call on the phone you are put on hold and moved from one person to another.
It's taken from the 18th of February to the 2nd of April just to recieve a different form for discharge.Maybe provide better customer service.In the 10yrs I have not received any positive updates or incentives.
I am glad I am moving away from this company.
Do better and you might gain more clients.

They can charge you home loan interest even if they tell you in bank statements that you ow about 2cents, I have just received a payout figure of $1500.

NOT good and NOT helpful

I was a victim of cyber fraud. Multiple small purchases were made on my card account in Melbourne, during a period when i was travelling overseas - with the card! I had notified ME Bank that I was travelling overseas. The card had obviously been skimmed and small purchases were made over three days until the card was maxed out. ME have refused to refund stating that I gave my card details or PIN number to a third party - which I did not! Clearly ME Bank are liable for these purchases, but are obviously just trying this on. Off to the Ombudsman and closing my accounts

Worst bank in australia, cancelling credit card after 10yrs, no option to balance transfer to BOQ who owns them. Theyve killed the bank , perhaps that was the plan, now have to rearrange my business and leave me bank. selfish.

I have been a loyal customer for about 20 years and have even encouraged friends/family to use ME. For the past 10 years, my son and I transfer funds to each other with the transfer always being almost instant, but this has suddenly been changed. Apparently, funds transfers can now take up to 2 days! Money is immediately removed from my account and goes who knows where for 2 days, then it appears in my son's account - but he needed the money when I sent it!! The bank has been doing this for years under the "old system" but the new system has changed this - BUT I call boulderdash.
This is 2025, and all of this is computerised, so everything is instant - if they want it to be! They took my money instantly!
When I made a complaint, they didn't care and pathetically, did absolutely nothing to help.
Morale to the story - STAY AWAY FROM ME BANK

I have had many homeloans over my time, and to be honest, Me Bank was my first 'non-traditional' bank (not one of the big 4 or associates)... but from signing up day one I had concerns. Communication is poor with this bank. Staff don't tell you 'everything' and for instance, fee and charges are hidden until sign-on has occurred. When I had questions, I would be referred to other departments, people etc who wouldn't return my calls. Eventually, you just gave up...
The disappointing this is their "Members Package".... its $395 a year to have an interest rate comparative to other banks.... or if you don't take this offer, its 2% higher (YES... 2%.... mine was 6.09%, I refused to pay the ridiculous Members fee, and they pushed my homeloan interest rate up to 8.53%...

So with that... Im out.

DO NOT USE THIS BANK... they are dodgy, misleading, and only in it for the profits (like many others)...

Been a loyal customer with perfect credit and high savings for 20 years. Now they close the credit card product and invite me to apply to virgin money which is part of BOQ group with ME. I get rejected in application. Why did I have to apply? Should have been an automatic rollover to Virgin money. They have access to my entire bank history. This seriously must be fixed.

Our current three loans of 2.49% fixed interest P&I loans with ANZ expired 7 May 2022. We engaged a broker end of January & he was able to offer 3.19% for 3yrs fixed with ME Bank. We were given an option to pay $750 per loan to lock this rate in, which we did. The process with ME has been very very slow. We had three unconditional loans approved in writing by ME Bank. We received two loans documents mid-March, we sent completed signed docs back within days. We waited six weeks our loans had not been processed. Meanwhile the broker was calling ME every second day to enquire about the where abouts of the third loan documents. ME advised that they were having technical issues & will send this soon. Four weeks later, it come to light there was never a technical issue, as there was a serviceability issue with the loans. (This was after being told the loan was unconditionally approved) back in 18 March. At no point did ME request for any additional documentation or advised there was a concern about the serviceability. We have now been notified in writing by ME that, ‘sorry we can’t go through with your loan applications’. My question is, why did ME provide an unconditional approval & send out loan docs, the serviceability should have been sorted by ME during their due-diligence process. Our 3.19% fixed rate no longer is on offer. As ME have now wasted four months of our time, alternative banks are now offering 5% fixed rates. ME Bank are like the modern-day terrorist, they don’t care, ruin people lives & don’t care about the aftermath. Please be Warned, any potential person considering of engaging ME for loans or banking, you will be mucked around. ME will lure you in with low interest rates, offer you $3k to switch over each loan & then offer you a ridiculous ultimatum. i.e. to still offer you the loans, we needed to close our credit card & contribute an additional $50k from our personal savings, what a joke you are ME Bank. For any insane reason you do proceed to engage ME, you deserve the pain & suffering that you will eventually endure. ME Bank is unprofessional, deceptive, unreliable, dishonest, deceitful & they will mislead you with false information throughout the loan process. The broker raised a complaint & our concerns to two senior managers, their responses where we can’t help you as we are leaving ME Bank, how disgusting. It’s incompetent amateur banks like ME, why there needs to be a royal commission into the banking lending sector again. Regrettably, the details I've highlighted are only part of the ordeal ME has subjected us to. We have now lodged a complaint with AFCA, to seek compensation by ME & engaged legal representation. Avoid Members Equity Bank like the plague. They are an incompetent, time wasting, nerve shredding disaster of a company that deserves to be shut down. They don’t deliver on their promises, they treat customers with utter disdain, and they’ll leave you regretting every second you trusted them. This isn’t just a warning, this is a demand: Stay. Away.