ME Bank Reviews 

We put our money in banks because it's meant to be safer than hiding it under the mattress. That's not the case at ME Bank. Money leaves my bank account but doesn't hit my home loan. It disappears into thin air. >2hr wait to speak to someone on the phone and nothing is resolved.
Lodge a complaint with the AFCA and get out as soon as you can.

My latest dilemma with Me Bank is over security. While I totally understand the need for it, I believe ME goes overboard. At the start of calls, I give all my ID details to ‘Alfred’, their automated receiver and then, when I actually speak to someone, usually in an overseas call centre, they ask for it all again, which I give, only to be told the details don’t match theirs so they can’t help me.This has happened twice to me and I’m furious. Now they want driver’s license e photographs. Where will this all end and I still can’t get my enquiries answered! Hopeless customer service at ME!

This bank is dreadful, and worse with the terrible changes in June 2026. Bank statements are inaccurate, do not show running total (I literally have to run my own spreadsheet). All "extra security", and your bank statements online are not up-to-date! How secure is that? The staff are rude, and often incompetent; twice in past year they have paid me compensation for rudeness from their own staff. Avoid this bank.

4 months after initially lodging scam dispute (4 phone calls later) for fraudlent activity on card (notified within 3 hours of transaction happening) - was told today that my claim was never formally lodged and there is no record. Starting process again today - horrible service, no accountability.

I have had a home loan with ME bank for the past 4 years, had a very good service the past few years but service has deteriorated. I have been trying to call ME bank for over a week now unsuccessfully. I am on hold for over 2 hours until the call drops, no answer.
I am been overcharged with an interest rate of 8.5% , instead of the advertised rate 6.1% on their website. I cant get hold of anyone to help me with any explanation of why my interest rates are so high.
I am a very unsatsified customer.

Since ME Bank migrated their home loans to the new ME Go accounts, my account was locked so I could not access my funds for almost a week, wait times to talk to someone on the phone were from 1.5 to 2 hours each time, advice has been inconsistent and follow up zilch. Statements are also missing from my account. I complained to AFCA and ME Bank rang a couple of days later but has only dealt with part of the complaint. There's been no follow up about the rest. A week later, incorrect payments and balances are appearing on my account and I can't see transactions in my home loans. I've also since found out the new ME Go loan package is less favourable than the one I signed up to originally and I can't re-fix my loan without moving to the new package. Shabby, irresponsible and unethical is an understatement! Wish I could rate below 0.

I paid out my home loans with ME Bank but have waited nearly 6 weeks now for them to close and stop auto debits. Meanwhile, they happily take my fortnightly repayments. I can’t communicate with them as chat line is closed, emails aren’t available, it seems and waiting hours on the phone indicates staff shortages and very poor performance in their management. Surely they should be accountable....avoid!

Have spent 8 hours on hold over the two weeks , conflicting responses from call centre staff, shocking service

Transitioned to ME Go. They well over $1000 I made in a deposit due to fault on their end. Fortunately I identified the missing funds. Then sat on hold for over 2 hrs in total to resolve the matter. Do not bank with ME, they could lose your money then take hours of your time to resolve.

The worst bank possible.
A simple refinance has turned into an absolute nightmare with this bank. They froze my accounts and my ability to make payments, meanwhile they kept texting me and calling me to say the payments were overdue. They have now incorrectly reported missed payments on my credit file. DO NOT bank with ME whatever you do.

The worst Bank ever and would never recommend Consultants lie and tell you want they want you to hear just to appease you but what they say doesnt meet up with what they do oh i will send you a Form no Form ever arrives lies lies lies lies lies and even more lies is how they earn a living they have no conscience at all

If I could give a negative star, I would. Horrible bank to deal with. No internet banking since we were all pushed onto an app and the internet site shut down. You pay a bill and they hold onto the money for a few days after it leaves your account, so then you incur a late fee. You call up to enquire about anything at all and wait forever, listening to screechy music. I’m on hold right now and so far it’s been over two hours. Have had to put my phone on charge and wait nearby. Will be closing my Me Bank accounts and going back to Westpac as soon as possible.

This bank continues to mismanage our accounts. Money in our accounts has just gone missing. The call centre is not even worth calling as they are overseas based call centres with no ability to support customers. They are essentially an answering machine that never passes on the message. Nothing gets resolved. Go with a reliable Australian bank with an onshore call centre so that you don’t have to deal with the shamoozle that BOQ have turned this bank into.

Hi all, I feel your frustration I dont normally write any reviews however I have had a gut full of this bank.The Excecutives of this bank need to send an apology to all of their effected customers and expalin how will they resolve this total mess. I have had the worst experience with call centers, ME Go app, they have changed my nominated bank( Bankwest)to their own Spend ME without my permission. I have already sent three complaints lets see their response. I have also instructed my family/ relatives to take a wide berth of this total irresponsible bank.
A rating of -10

Horrible bank I’m trying to leave them during 1 month can’t even reach them ! Very bad bank!!!

after switch to the new platform my pin was not acknowledged after two attempts although proper input. I am locked out and have currently no venue to reach anybody in me Bank to get back into the account.
Which competitor is picking up the ball that i can switch bank?

Terrible bank if you want any customer service at all. They clearly don't have enough staff to answer the phone, as you can call 1st thing in the morning and still be waiting until you can't wait any longer. Their online chat does not work properly. And if you lodge a complaint nothing gets done about it! The only reason I haven't switched my home loan to someone else is that the interest rate is ok, and I haven't had time yet. But I will be.

Two weeks ago, our home loan payment (almost $1,200) was taken from our account but not applied to the actual home loan. This is now affecting my credit score because it appears as though my home loan payment has been missed. I have been trying to get hold of someone to talk through this issue. One time I waited for an hour on hold before being told they would likely not get to me, another time I tried at 8am hoping being the early bird would get the worm but no such luck. I gave up after half an hour that time. I have also tried the chat option several times but they are not providing home loan related help - presumably due to a number of other people with similar issues.
I have a day job and other responsibilities. I cannot spend my every waking hour trying to speak to someone at a bank I pay for, but it is unclear what other options there are. Truly would not wish this customer service on my worst enemy.

On hold for over two and a half hours, its 6pm and they are open until 8pm, got a voice message stating 'it is unlikely we will get to your call, please call back another time'.
Joke of a bank, squeeze the consumer and invest 0% in customer support. Run.
Been trying to discharge my home loan for two months now, the new 'ME Go' transition is an excuse for long waits, average 1-3 hours since the start of the year.

Very disappointing, zero customer service. The ME go app functionality is very poor, so hard to avoid phoning the call centre to do anything. Have spent several days on hold from lunchtime for hours, with regular prompts that they are experiencing high call volumes and suggesting to call another day. Twice I was successful in getting through to someone in the Philippines, only to be told they couldn’t help and would need to put me through to another department, restarting the extensive and unsatisfactory waiting on hold. Logging onto the website is also fraught with danger, as any problems there they lock you out and tell you to call. Don’t do it, and don’t be fooled by the sham $3000 cashback offer to move your banking to ME go, they won’t put it in your account, they put it in one of theirs and I have not yet been able to contact anyone there who knows how to resolve it. Will be contacting the banking ombudsman next…