ME Bank Reviews 

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…

They have misplaced $3000 of mine. It was an hour and a half on the phone line before I talked to anyone, and another hour waiting while he look for the two missing payments. They were only able to find half of my money during the phone call and it is still not yet available in my account. I have been told that a complaint has been put in, and that they will look for the rest of my money, but I may need to wait a couple weeks to get it all back.
Customer service was helpful and patient, no complaint about them. They are clearly overworked dealing with the awful move to ME GO.

Stand well clear, mebank used to be good and now its just a walking nightmare! Long wait times, never resolve issues on that phone call anyway and always needs to escalate. They recently stopped all credit cards, they no longer have credit cards for any me customers! Your transactions from tapping your card dont appear on the day you did the transaction and appear days later on a day that you didnt go to that shop. Verifying yourself on the calls is an absolute nightmare. The staff cant even spell as not one can speak English properly! We are moving banks and i cant wait!!!!!

If I could rate lower than 1 I would. I was transitioned to ME GO and the day it happened I was locked out of both the phone app and also the web. Said to call to get it unlocked and they couldn't help and said that IT would look into it... So now I have no access to any of my funds because the transition locked me out completely. So now I have no way of paying any of my bills or mortgage!

Worst bank to deal with ever
I have officially been on hold for 1 hour and 51 minutes as of writing this review. I just want to pay off my home loan and close the account, but I cannot for the life of me get someone on the phone.
The form says to call a 1300 number, but after 45 mins, no answer. So I'm calling their 131 563 number and I am now 1 hour 10 mins into the call still with no answer.
I have tried using their chat function but they are saying it's unavailable. I have tried email with no answer... I'm beyond dissatisfied - thinking of lodghing a formal complaint with AFCA soon . Never ever use this bank!

ME Bank claims to make online banking “easy” — but my experience has been the complete opposite.
On Monday, I was on hold for almost 2.5 hours.
Thursday, another 2 hours waiting, plus an extra hour just to speak to the home loan department.
Today (Friday), I called at 8:15am for something as simple as linking accounts — a basic banking task that should not take hours to resolve. It is now 11:10am and the issue is STILL not resolved. Instead, I’ve just been transferred back through to the home loan department for another unknown wait time.
Adrian was no help at all and seemed completely unqualified to handle the issue.
The level of customer service has been unbelievably poor and the wait times are unacceptable. For a bank that advertises convenience and easy banking, this experience has been nothing but frustrating and exhausting.
I genuinely would not recommend anyone go through the pain I’ve experienced with this bank. Save yourself the stress and look elsewhere!!!

Waiting for 3 weeks so far for ME to acknowledge they took too much of our money for settlement. How they don’t have QA in place to recognise this for themselves is beyond me. They owe us money due to their miscalculation!

Update: Finally 4 weeks later ME bank acknowledged their mistake, however it’s now 5 1/2 weeks since settlement and we are still waiting for our funds to be returned.

Since the migration of financials from ME Bank to ME Go my direct debits were not being deducted so every month I manually paid the repayments to my loan account. For some reason those repayments are not matching up with my loan even though the details were correct. I have now found out that due to ME's IT issues a credit report was lodged and my credit rating has been destroyed. I have called (holding for hours on the phone to get the right department) without success and left complaint after complaint online with no response. What the hell am I supposed to do now!! ME Bank you have not only taken away by credit rating but my self-esteem because I made the worst financial decision of my life going with this financial institution. I will be lodging further complaints with bank ombudsman and hiring a lawyer immediately!

With the exception of a loan manager, Hoong, who lives in Australia, and likely a few other great staff members left over from before the takeover, ME bank has become another victim of enshittifcation. We have been home loan customers with ME since 2015.

Since being taken over by the Bank of Queensland 2 years ago, ME bank has gutted its onshore call centres, and by moving most of this actual human work overseas, it has minimised what those call operators are actually able to do. That is, they don't have the right to make any changes themselves, only to pass them back to managers in Australia who make the changes. Yet another failure of AI is wrapped up in this, too I think.

To say this has been difficult is an understatement. It is truly terrible. For 10 years, this was easily the most responsive, cheapest loan rate bank in the country, with an amazing call centre team accross Australia. Now, they are riddled with errors, must be dropping customers at a rate of knots, and entirely unresponsive to significant errors. In our case, we have moved a lump sum into our offset account to drop the interest payments, but ME Bank has not recalculated the interest for 2 months since this was done. I have been on hold to the call centre for a total of over 10 hours across 5 phone calls - an average of 2 hours hold time per call. Thank god we all have headphones these days. I recommend not that we all desert ME Bank, but that as customers, you look for banks who are not shifting to all this AI bullshit, and overseas call centres. It is the absence of human work that is turning these companies into steaming piles of incorporated dog turd.

Joined ME bank, they blocked my account pending ID (which they could have just asked for before I joined rather than blocking my account so I can't even access any money I've sent there) Tried to call them, waited 10 minutes, finally get through, they put me on hold for 30 minutes, I think it is a tactic, I don't think they were ever coming back. F this bank

I wanted to ask the bank a very basic question and I could not get an answer. They are appalling. Appalling beyond belief. I've spent hours and hours on hold, to the point of despair. This bank must be taken to the banking ombudsman and held to account.

THEY HAVE BLOCKED MY ACCOUNT FOR TEN DAYS AND CONTINUING.... APPARENTLY HQ DOESN'T TAKE OR DO CALLS. IVE WASTED OVER 7 HOURS CALLING CALL CENTRE IN PHILIPPINES. AWFUL. ONE STAR IS TOO MANY. CUSTOMER OF 28 YEARS. THEY ARE STEALING MY/ OUR MONEY. FINANCIAL REGULATOR SHOULD TAKE THEIR BANKING LICENCE OFF THEM I WILL BE TRANSFERRING MY MONEY TO ANOTHER BANK. EVEN WITH EVERY CERTIFICATE TO SHOW MY PHONES ARE CLEAR OF MALWARE.THEY WANT ANOTHER 3 BUSINESS DAYS TO VERIFY. HORRIBLE.

STEER CLEAR FROM THEM. Huge wait times, cut off because the queue wait time was too long... Currently onto my second transfer and yet to have any resolution. 2 hours to answer the first call, then transferred, 20 mins to answer the second transfer and then transferred, another hour and a half before getting to the right place. 4 hours and ten minutes. This is the third time throughout the term of our housing loan I have had to call and while I thought 55 minutes was bad for them to take to answer the phone the over 2 hours is even more frustrating. JUST PAY FOR SOME MORE STAFF PLEASE!!!!
We are trying to get our mortgage discharged and after two weeks have now had to delay and do not know what the issue is or why this is so hard.

Bad customer service. Difficult to communicate with them, and they seem to have little/poor comprehension of what I actually tell them. I just contacted them about a simple issue but I imagine if it was a more complex/serious issue it could be nightmarish to deal with them.

Tried more than 3 times to get intouch with ME Bank on the 1300 number and on the 13 number and still waited 1 hour on one and over 2 hours on another, i need to give information and even thought i would press 1 for new home loan and still waited an hour very bad service, i have resorted to contacting mobile banking lady Sharon Sharma and she will finally get back to me probably at end of the day.

Whatever you do DO NOT BANK WITH ME BANK.no physical branches and hours on hold to get in contact. Join at own peril

I have been with this bank about 10 years and they have massively gone downhill. Wait times exceed an hour for simple tasks eg. My card being randomly cancelled. Not being able to access their new app system. I'll be changing banks ASAP. Do not recommend using this terrible bank.

60min on hold. Been telling me wait time is 45 minutes the entire time. Online chat unable to call.