ME Bank Reviews 190

Have been with ME Bank for about 18 years. Used be an excellent and responsive bank. The erosion of their service, inability to get through to customer service and constant technical issues with their banking systems has been astounding. I will never use them for any complicated financial needs as it could be disastrous. After offshoring their customer service and cutting 200 jobs the overall experience got even worse. They do have excellent savings interest rates which currently keeps me with them, but am certainly looking for alternatives as the current service is intolerable. A text book case of "enshittification".

We refinanced our home loan with ME bank. And that was fine and the interest rate was pretty good. But getting a top up has been like pulling teeth. The top up team are incompetent (asking weird irrelevant questions, missing details, asking for documents already sent, don't know how to read a tax return) and super unresponsive (don't answer calls, don't provide a direct phone number, take a week to respond to emails) and when you call you end up on hold for upwards of an hour.

So if your broker wants to get you a loan with ME bank, thats cool, but when it comes time to refinance or get a top up seriously don't even bother trying to do it with ME bank, you'll just waste a bunch of your time. Absolute dumpster fire.

Just refinance with another bank via a broker that actually knows what they are doing straight away.

I have been with this bank since it first started. Have had 2 home loans with them, credit card, etc. The service used to be outstanding - Could not fault them. Over the last 3-4 years there has been a slow decline in the service - Harder to reach via phone, slow responses to email and online requests. Since being taken over by BOQ and then transitioning to ME GO it has been an absolute disgrace. Phone calls are NEVER answered., The chat function in the app constantly deletes unanswered enquiries, complaints are not responded to or dealt with, the credit cards were discontinued with minimal notice I was locked out of online banking for no reason and as stated earlier cannot get through via phone to discuss or rectify. Terrible bank, avoid at all cost.

This is the WORST bank I have ever dealt with. I have currently been on hold for over 3 hours after submitting a home loan discharge form over 5 weeks ago. This is my 12th contact (email, online & phone) with the bank and I have had not spoken to a single human. Have spent 10 hours in total on hold. Been a customer for over 25 years. Absolute garbage......

Ever since my accounts were migrated to MEGo platform I have not been able to get a phone call to customer service answered. Today I spent over an hour waiting, without getting to an actual person - TWICE! There is no online chat, email address or other way to contact anyone. It is just disgusting - let me be clear - if it wasnt going to cost me ridiculous $$s to move my mortgage to another bank I would have done so months ago. Also, let me be clear, IF you do actually get to a person, they are the best to deal with. The problem obviously lies with management and not enough staffing - or maybe they just plain don't care anymore.

Improve customer service. Poorest i have encountered lately and hard to understand as call centre is based overseas. This bank along with the Bank of Queensland have become a joke. I am actively seeking another bank after being a customer for sometime and would not recommend this bank to anyone. I am embarrased to be associated with them.

Terrible wait times for customer service 1hr 20 wait on phone ,the service people are polite but terribly inconsistent with service and disappointment on no credit service why is the discharge of my money 25 days terrible

Been with them for more than a decade. Needed a written bank letter to verify I have an account with them for an application. Live chat does not work at all. OK I will wait on a call for 1 hour+. They say they cannot send me this information over email because it is insecure. Or by physical mail, when I asked. And there are no bank branches.

I ask how it is different to all the other emails they send me which confirm I have an account with them.

After a bit of probing and time on hold going back and forth with the line manager, they concede actually they just don't do these letters - it's not about email being insecure. Just wasting my time.

I no longer have a relationship manager - which I used to have. Really hard to even talk to someone.

I don't begrudge the poor frontline support people, but there's no one else to escalate to.

Like for others the ME migration to the ME GO App has been so bad that after banking with ME for over 20 years, I’m closing my home loan as it is impossible to contact them and I left a complaint and still no response.

On hold for 47 minutes, The me staff member was generally nice but once she said we are only giving term deposits to new customers because of the high immigration I probably think I would of preferred them to say maybe you should go searching for another bank which is exactly what I am going to do

ME migration to the ME GO App has been so bad that after banking with ME for 26 years, I’m closing my home loans and savings accounts.
I have been without functioning debit cards since the migration because my debit cards were cancelled by ME and not replaced. It left me with no way of accessing my money while travelling interstate, having to borrow cash from friends-unbelievably bad.
I’ve had a similar experience to others, very long wait times, incompetent customer “service”, gaslighting and poor resolution and follow through on being issued replacement debit cards.
Who is ME actually looking after? Does the BOQ want us to leave in droves? For that they receive ⭐️⭐️⭐️⭐️⭐️

Re-iterating what most of the reviews say, this bank is appalling since being taken over by BoQland. They were great up until recently now are appalling, especially since the ME Go transition which was a nightmare. I have twice now mysteriously failed my verification checks when trying to access my app and money, without any explanation of why, after twice being on hold each time for over an hour. You are told to ring back - its a catch 22 situation. When you do finally get thru their endless menus and waiting, their call centre staff are difficult to understand, or even hear due to the echo and other calls you can hear in the background. I’m taking my home loan and banking elsewhere and strongly recommend you do the same.

Since the take-over by Bank of Queensland, ME Bank has become a complete and utter basket-case. Pre-existing home-loan customers have been shafted and are, for all practical purposes, unable to simply switch to a comparable and competetive home-loan 'product'. Since the very poorly handled transition to ME GO: if you haven't saved your transaction statements or if you haven't received printed statements in the mail, you can forget about looking up something that happened in one of your accounts before the transition - access denied. The wholly inadequate customer service interfaces via overseas call centres are a very effective barrier to any form of banking customer interaction. Terrible, deplorable and probably unlawful. I highly recommend taking your banking business elsewhere - all of it.

Been with ME for 30 plus years. 6 weeks ago had an illegal transaction occur. They did nothing to identify the scammer or contact me to cancel my card. I contacted them. They have been very unprofessional and today hung up on me. The rep had no idea and couldn’t seem to find my complaint file or offer any comfort regarding a refund etc

S Jones

Customer service, waiting times are horrendous. Just don't join this bank
Not good at all since me go happen

I have 2 home loans with ME bank. I'm wanting to discharge a loan through a mortage broker. For the discharge paperwork, the broker sent it to me and returned it. I've heard nothing and each time I call i'm on hold for over an hour. And when I get through, the staff are friendly but not very helpful. I'm still waiting. Disgraceful customer service. Looking for a new lender. Broker says he cant to anything.

I've spent two days trying to make one simple "Pay Anyone" amount for a relatively low amount - nothing that should ring any bells. Two days of trying to contact them via the App (the "Banking Butler" never responded), two attempts to get in contact by phone (total on-hold time 1hr 45mins).
I joined this bank about 5 years ago to get away from the huge anonymous Big 4 who don't give a rats about small customers, just their shareholders, and initially enjoyed the ME Bank experience, but in the last 12 - 18 months the service and facilities have taken a deep dive to the abyss. I now have to consider changing banks again, which is a pain, but I think I have to do it for my own sanity.

Quite simply the worst bank l have ever dealt with. 3 hrs waiting online for simple question. Please never use this bank

They missed my settlement that was supposed to be yesterday at 2pm, and since then, I have spoken to 6 different people and just been bounced around. I don't understand how a bank misses settlement that is already booked? Unbelievable. On hold right now as I write this and it's been over an hour.

Tried to get in contact with them for tree days over misplaced funds
Over the last few years their communications have been poor to non existant with no accountability or even a sorry