ME Bank Omdömen 

Long story short Husband needed to activate new card. Long time customers ( 30 years) Note he has been with out debit card for 4 weeks, ( not issue at present as used mine) He Rang ME GO bank number , went through ID checks and advised he can not use a computer and needed assistance , Staff laughed and stated he has to do on line, So He waited till I got home from work, I rang and with him beside me tried to do ID checks so to log in under his account so to activate card as advised by morning staff. We passed all checks except husband could not tell them when and when he last used his debit card AND how much it was! 4 weeks ago ! You tell me what you bought 4 weeks ago, where you bought it and the price.
We expressed our opinion, Staff asked us to hold then line (3-4 mins) I think I upset her, only to return and say we did not satisfactorily complete the ID checks according to Head office, she could not tell us which ones and that we need to ring back in 2-3 days to try again. This was all too hard, Went to another bank, and am going to transfer. All sorted stress free

I rarely write reviews, but I feel compelled to share my extremely disappointing experience with ME Bank.
A significant amount of money was withdrawn from my account with another bank by ME Bank without my knowledge or permission. Fortunately, my other bank investigated the transaction and identified that ME Bank had withdrawn the funds.
When I contacted ME Bank, I was placed on hold for nearly two hours. The staff member was apologetic, acknowledged that the withdrawal should never have occurred and assured me that the money would be returned.
It has now been over a week, and I am still waiting for my funds. I have also been unable to get through to anyone for an update. An unauthorised withdrawal of this size is extremely serious, and the lack of urgency and communication in resolving the matter is unacceptable. I expect my money to be returned immediately, and a clear explanation provided as to how this was allowed to happen.

We have a land settlement next week so needed to increase my payment amount to $405,000 for a one off payment. This required to first ring ME Bank then send written confirmation which included the payment template from our conveyancer. The payment was initially approved then three hours later returned to our account which was then locked. I have rung them three times in the last three days only to be told someone will ring me back and this has not happened. As a result, if the settlement is not paid we will be charged 14% daily on the balance or around $140 a day. We have done everything they requested and I will close the account with the ME bank if this is not resolved to our satisfaction.

Poor service. Often on hold for over an hour.
Call back?? I am still waiting, it's been 4 days so far.

I can’t score ME bank zero.

Was told be broker none of their clients had issues with ME bank after the introduction of the new banking app. We have been with the bank for over a week with a new mortgage. My partner still does not have access to the Accounts via the web-based or app.

This this is despite numerous calls to the call Centre and apparently my broker chasing from their side. This is the delay setting up all the office Accounts correctly so far -5 review.

1h on hold waiting to speak to a human. I’m giving up! Such a terrible experience!

Good Afternoon ME Bank

I am writing again to complain about your service when people complain about anything....... I have been told someone would get back to me about issue.

One of our accounts again has not received the interest that it should have - I have rung a number of times and have been told that someone would get back to me...... which has not happened since the start of this month (Aug 2026). We have had the same issue last year - looks like I will need to contact AFCA again.

I am so disgusted with the service - especially your call centre (overseas)

Will be changing banks after this is fixed.........

Disheartened

Andrew

I have been trying to discharge a mortgage and pay out a loan for two months. It started out fine. The total payout was made on time and ME withdrew the discharge money from my account. However, I'm still waiting for them to close the loan account and discharge the mortgage. In the meantime, I'm losing the interest that would have accrued by putting the money elsewhere. I made a formal complaint and asked to speak directly with the Customer Relations Team, but that was refused. I'm very disappointed by their poor customer service and communication.

Actually I rate it -5. Not the staff members you talk to but management who decided to do the new app on the cheap and not testing it properly before releasing it.

I received my second new card in as many weeks because my first new card was blocked my me bank for suspicious activity 20 minutes after I activated it. Nothing was taken from my card/account so I can only assume the suspicious activity where no money was taken was me activating the card and adding it to my Apple wallet. I called me bank several time to get the card reactivated but they wouldn’t do it instead sent me a new one. I received it a week later - which was yesterday afternoon. I activated it successfully then added it to my apple wallet. Towards the end of the adding process I received a message that I needed to verify the activation. I click on the button as I was supposed to do and I was routed to the switchboard and had the dubious pleasure of giving bl!2dy Alfred my information. Then I got to tell a human what was happening- they didn’t know how to help because everything looked fine at their end and they didn’t know about the request for verification I had received. I ended the call and decided to try again in the morning. It took 4 attempts with 4 staff members to sort things out. I was put on hold and lost the call the first time, the second and thirds times we would get part way through the process of deleting and readding the card to the wallet only to have the original problem occurring cutting us off and me having to talk to bl!2dy Alfred again. By the fourth attempt I was in tears - the staff member had me stay on the line and contacted the tech boys/girls in the back room. I had to repeat yet again what the problem was and how I had tried to resolve it - I was crying during this and finally they fixed it. It looks like the card has been added, verified etc just like my other card….i have two cards to two accounts. The whole process of replacing my cards (3 cards, one card twice), reactivating, verifying not working, has been horrendous, distressing, upsetting and exhausting. Once I have recovered from this experience I’m looking to move to another bank. I know no bank is perfect but surely they can’t be as bad an ME bank.

Not even one star please don't move to this bank as the brokers are doing it and convincing customers.i am stuck never knew that after transfers of mortgage the brokers also don't answer.

Just moved to ME. I wish I saw this page first. The worst customer service I have had in banking by a long shot.
Among many issues; I sure hope you don't like scheduling your BPAY bills, because they probably wont let you. What used to be so easy, is now apparently impossible. I can't wait to move to a new bank.

The rollout of the ME Bank app was awful for overseas customers as it doesn't work with non-Australian mobile numbers. The only option to workaround this was to ring an Australian landline (obviously at great cost as these are not free to dial from an European mobile account). I gave up and I'm locked out of my account and my new debit card doesn't work.
The second issue has been this requirement to verify your tax residency. Again, the BQ platform doesn't accept overseas phone numbers. I complained (by email of course) and received phone calls at 6am (Irish time) and a message from a non-Australian call centre to ring, guess what, an Australian landline! I've given up and just told them by email my residency. I really wished that I'd withdrawn all my money before this started....

I've been a customer for more than a decade. They block your card due to unusual activity when there isn't any. Massive hassles to get it fixed, and not via the app, where they refuse to help you. The app is useless. They advertise that you can open accounts via the app (which is a secure space) only to be directed to a website where you have to provee your identity all over again. Huge delays for assistance or complaints. I've gone elsewhere.

The absolute worst customer service in the history of customer service. So hard to call and get through to someone who knows what they’re talking about. You’re on hold for hours then hung up on after they pick up. All offshore workers which means training is not up to standard. Needing to change or update important details? Forget it, you’ll be told that your credentials don’t match their system Even though your name is on the home loan. Also stuffed up our credit rating due to their online computer glitches. I was hung up on after I tried to change my home loan date because the Filipino worker said my details did not match? So bad, I’m now left stuck and unable to contact any person for help. Stay away from this bank!!!

Spent over 1 hour in call wait queue to know how can I find home loan docs and the customer support service didn’t have any idea and couldn’t even transfer me home loan department.
It’s quite frustrating experience that just to get one document about which I haven’t got any response from Dogital Services team I’m waiting on queue again.

If you want everything that can go wrong in banking- come to this ME bank to experience it.
Starting from their customer service! Even if you can get through to them after more than 1.45hrs waiting - provided the line doesn't disconnect after you nearly waiting already for an hour!- the customer service does not fall through with your request even if you request them to do so, even if it's more than 3 times already.

Very very poor service and they don't care either ways. Don't bother with them.

Waited 2.45 hours for documents that I COULD NOT access online as per ME's policy. If you're a current customer, leave. If not, don't bother. This isnt the first time I've had an issue. I had to wait 10 days in the past to access my account due to faulty bank cards. One rep told me in not so many words to suck it up, they couldn't do anything. When you have bills to pay and need to eat and you can't access your account, not a good feeling. I jad to open an account with another bank, transfer money into it and go from there.

I initially applied for a loan in 2020. I had superfunds available for the amount of the loan . I had an investment loan for 15 years with them. I talked to the bank for about three months. eventually i lined up all the ducks and applied. They told me I was too old at 70 yrs to have the loan for the cost and time and my age. I was under pressure for this was to settle my wifes estate and take over her share of our house . It was a complex settlement after negotiaition. Without the loan I would have had to move out and find a place to live. I then appealed to customer service and the loan was granted. Following interst rates fell and rose. When i approaoched them to renegtiate the two loans at a lower interest rate. Five years later they refused to meet offers to me from a number of banks at lower rate. I left for another bank locked in for two years at a lower rate before interest rates rose. This included my investment property. They did not care if i moved out onto the street or lost my investment property, to fund my home. They said my capacity to repay the loan was too low My loan breezed through the new bank's application and offered me another loan against my investment property to buy a desperately needed car I got a new car without any problem with very little problem . If they are so tight. with lending they must have a problem. I was a customer for borrowing from them for 22 years No regrets about leaving.

I have not dared to do anything except trickle my money out of my accounts as I know that any attempt to make any change could lock me out forever. Today I have finally broken free of their clutches. I would describe my overall experience with ME bank as learning to swim while drowning. Zero stars.

My husband and I have been trying to discharge our mortgage with this bank for nearly 3 months. I have completed the Discharge of Mortgage form as required and was told that “things would take between 10-14 days for discharge to be completed”…well here we are over 3 months later, 5 phone calls with a total wait time on hold of over 10+ hours. After reading the reviews from other disgruntled customers, we are not going to deposit the balance of our home loan due to others stating that they cannot see where their money has gone. Perhaps somewhere in cyberspace ??? 🙄This bank is atrocious and as for ‘customer service’, there isn’t any !!! We have sought initial legal advice and our next step is Afca. If no luck here, we will be seeking serious top legal advice and are prepared to pay whatever it takes to get this woeful excuse for a bank to get off their butts and we can finally get some satisfaction. Warning to all: give this ‘bank’ (and I use the term loosely) a major detour !!!!!