ME Bank Online Savings

Well i finally did it cancelled out of ME/BOQ. It was sad because i was a very early member of ME, as a ,union member we went to ME & C Bus Super. Their service and access to actual bank person was excellent, Ever since ME merged with Bank of Qland the Don't care attitude started, Ridiculously long waiting times for phone calls to be answered,… Read more

Inaudible robot response, long waiting times for a issue to be fixed etc. I am now with another Bank and the level of SERVICE and call Waite times for calls is almost instant, friendly and a sincere, Oh! and you even get a call back within an hour depending the circumstances of the issue. My advice to anybody with ME Bank having ongoing issues CANCELL ACCOUNTS and move to another bank, it will give you Pease of mind and the knowledge you will be treated as a customer with respect.

absolutely rubbish. each time ive had to ring the bank its a wait time of over 2 hours to be told no one can assist with the enquiry. I am attempting to discharge from their bank and they are making me wait 28 days. they are happy to increase our interest rates as soon as they can but 28 days to discharge. App is crap, always crashes.

Prior to its take over by BOQ and over decades I found the service and products provided by ME to be outstanding. I have had a BOQ account longer than with ME. I've found BOQ to be extremely poor and wonder if this is why ME is an organisation that should not be in the customer service business. I have not been able to access my account for many… Read more

weeks as locked out despite inputing correct codes. And as have been unable to get through by phone after repeatedly being on hold for hours.

They have not replied to email contact and it is not possible to use the chat feature unless the account can be accessed. Bizarre!!

I need to move from this bank unless they can urgently fix their existential problems. Does BOQ deliberately want this bank to fail?

20 years, 5 stars prior to the merge of ME Bank that became a mess then changing our cards to VISA was a disaster with an even a bigger mess is the long waiting and questions to talk. No accepting for quarterly money from overseas. So, we decided to… Read more

move to another bank January 15th and are still waiting for our Closed Document as Center Link want proof. It is now Feb 25. Have tried phoning and post and still no body can help. Sadly, Is there any wonder we moved.

My God, what a frustrating trash show. I have a ME Spend Me debit card and I am going overseas and want to use the card whilst there. I need to tell ME Bank my travel details but it is proving impossible. For many hours over at least 3 days I have tried to use the "Live"chat function on the app but I keep getting a message saying something went… Read more

wrong, try again later. I have also phoned them twice, the 1st time was on hold for over 1 hour before giving up and then the next day stayed in hold for 1 1/2 hours before giving up again. I have lodged a complaint with them via their website but again have not heard anything back from them. I am astonished that a bank can be this pathetically bad and treat its customers so badly.

In Dec 2025, I have tried to open HomeMe and SpendMe accounts but unsuccessful during verification process. Yesterday, l have tried again on ME GO app and the ID verification was successful. There was a message on my phone screen after submitted my account application three times. "Try ME later, we're experiencing issues on our end and can't… Read more

connect. Please try back later." I also received three messages from ME: please complete your ME GO application here with the link provided. Finally l have submitted my application successfully but received the message: "Unfortunately, you will be unable to open an account with ME."

This was the first time in my life, l was unable to open a bank account after successful ID verification and submission. I feel scammed as l have provided my personal information. I never have any problem to open an account with other banks, eg ING, Ubank or Macquarie Bank. No wonder there are mostly negative reviews regarding ME bank.

After 3 years of letting me know about ME Go, ME finally switched me to ME Go. Why this complex switch was necessary, I do not know. It was a minor hassle. After switching, I now need to enter my mobile number to log in and receive a 2FA SMS and enter this code (the code cannot be copied and won’t auto‑fill like most modern 2FA systems). I then… Read more

also receive an email notifying me of the login that I then need to delete (there's no way to turn this email notification off). This is very excessive… just to log in. Not consistent with most other banks, certainly not as seamless.

On the login page there is an option to use a log‑in ID, but reading ME’s own advice they state the following: there is no customer reference number (login ID) required to log in; instead, you will create a secure password. So why have this log-in ID option? Bizarre stuff. I assume maybe I could bypass 2FA using login ID? But no.

ME Bank has always been terrible due to archaic limitations. ME Go is not off to a great start. It’s the little things that matter… it’s not hard to achieve “not terrible”, yet ME somehow manage to achieve “terrible” again and again.

I assume maybe they have fixed some of their archaic limitations with the old ME Bank, like no instant transfers. But the need to create a whole spin‑off and move customers over is strange.

MEBank customer support is absolutely rubbish. Tried to pay large bill and need to increase my daily limit. Shown on Apps as Succesful but when attempt to pay, UNSUCCESSFUL. Try to ring Support and waited for 31 minutes WITHOUT being connected. Try CHAT on Apps also NBG The Public is frustrated with All Banks in General for pushing Online and… Read more

Phone Banking but when trying to contact them be prepared to WAIT and WAIT and WAIT..................................

Phone wait time is 1hr 40mins, then the call drops out. I call again and wait 2hrs 36min and was unable to resolve my complaint because the Supervisor was not available. These wait times are ridiculous. Other banks like Virgin, Ubank and ING provide excellent service and easy navigation of their websites. The MeBank website is hard to navigate.

I was on hold for over an hour on Thursday and they said they’d fix the issue of a transfer that didn’t clear by COB. Guess what? Still not resolved, back on the phone now for 2 hours and 7 mins. This is actually not okay. I am going to change banks as soon as possible, I am unsure what’s happening but this bank is not able to service its… Read more

customers, it’s actually scary. Also they hold message says if you need help quickly, chat via the app. I started at chat a 1.12 pm on the 27th of November, its now 28th of November at 7.20pm and no one has responded to my chat.

A mixed bag. On the good side ME Bank has bonus rates that aren’t too bad and it’s fairly easy to get the bonus rates. It’s also possible to have a number of savings accounts all getting the bonus rate. And compared to the big banks ME Bank, being part of the Bank of Queensland, doesn’t loan to fossil fuel companies. And from my experience the… Read more

wait in getting to talk to someone at ME Bank on the phone isn’t terrible.

On the bad side, ME Bank statements are now so spread out with multiple lines per transaction that it goes to pages and pages if you want to print out a physical record. And ME Bank provides annual interest statements to the ATO but they currently don’t provide them to the customer. That may be because the bank changed the account names and types in the middle of the last financial year and their computer system just isn’t able to cope with that. All that gets provided to us is interest in relation to the new account names. It’s also an issue that the default transaction statements are six monthly. If people want to check transactions how likely is it that they’ll remember every transaction in a six month period? Thankfully the statement frequency can be changed if you’re up for calling the bank.

ME bank was once a good bank. Now I understand they have been taken over by BOQ. I have had nothing but trouble since. trying to pay a bill with my debit card online has turned into a nightmare. ( Can no longer do it with a credit card because they decided to get rid of those). Whenever I try to pay with a debit card they say I need to submit a… Read more

code that is being texted to me, the text never arrives. Trying to call to sort it out is always met by a voice telling me that they are so busy right now and I end up being hung up on after submitting my information. Very poor performance which is to be expected from BOQ, that I refused to deal with years ago because of poor performance. Your management teams performance is woeful!.

I need access to interim reports for my ME savings accounts so I can complete and submit an application form. When I access the request for an interim statement and confirm with the OTC, there is no message to confirm that the request is being processed. In short I have only been able to successfully obtain one statement (out of 3) and to get just… Read more

the 1 statement I needed to apply more than once before it was successful. I am aware of the one report per day criteria due to the limitations of ME systems. I am also with other banks and it takes about 5 mins or less to obtain interim statements. Truly your system is archaic. I have the ME Go but my version does not have chat so I tried to call. Over 30 minutes later I gave up and hung up. To say I am frustrated is an understatement because I have wasted a lot of time trying to access my information when that process should be easy and fast. PS Product Review, in this instance I will not be submitting proof of purchase due to privacy and security.

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.

ZERO STARS!!!!!!!!!! I have been a very loyal customer of ME Bank for almost 20 years. I am personally responsible for at least 5 people joining ME Bank. They used to be a great bank - but not anymore...... About 10 years ago, at my encouragement, one of my adult children opened a savings account with ME so that we could transfer funds to each other within only a few minutes. BUT THAT HAS COME TO A SCREAMING HALT

I used MEBank about 10 years ago and they were great. I recently opened a savings account with them and they seem to just be trying to scam people. They have bonus conditions on their savings accounts designed to confuse people to reduce the amount of interest they pay. The current condition for a HomeME account is to transfer $2000 to the linked… Read more

SpendME account from an external bank. You could effectively just setup a bank account and ping pong the money back and forth once a month and you'd meet the condition. To make this hard to understand they don't give you anyway of verifying you are meeting the bonus conditions and in the first month they pay you bonus interest regardless.

This is designed to make you think you've met the condition regardless of if you have or not to try and get you to miss the bonus interest in subsequent months when the balance is higher.

The conditions also are delayed so you only earn interest the month after you meet the conditions which appears to be to prevent people getting bonus interests 2 months in a row if you realised you didn't meet the conditions originally. Because when you notice you havent met the condition you have to wait a full month without the bonus interest before you can actually get it.

Interest not being paid – App is incorrect in me go and interest is not paid after meeting the criteria

Gobsmacked over internal transfer delay – Family ME member transferred less than $2k to my MEGo account expecting immediate transfer. This did not occur and when queried was told it could take up to 3 days due to one of the 2 Me accounts was MEGo and the other was still with ME. Are you seriously telling me that is the case. 3 days to transfer money within the same bank?!!!!!

Find a bricks and mortar bank – I have been with mebank for many years and for a while there it was the best online account. As soon as they change everyone over to MeGo, I have had to spend hours on hold waiting to speak to support staff. The new app is not user friendly. They got rid of the best features - the simplicity. Go find a bricks and mortar bank, even though there might be a long queue they cannot ghost you on chat or phone.

Me bank supports hackers – Bank account was hacked was told that they could stop pending going through if I canceled my credit card but after doing that they still gave money to hackers Advise to find a safer bank with better customer support

Worst bank ever – Worst bank ever. Can’t even contact them. Never answer the phone. Kept on hold for over one and a half hours only to be put straight back on hold until my battery died. Have filled out the customer complaint form three times and have never received a reply. You guys are a joke.

ME's customer support is pathetic - I'm moving banks – My card payments keep declining. On many occassions in the past week I have sat on the phone for more than an hour trying to get through to ME, only to hang-up in frustration. Online chat, which ME claims will offer faster response, is even worse.

Changed for the worse – Thanks ME bank for changing everything and making my life Hell. Am constantly trying to update my details for payments to my new account details only to be told that the card number is invalid. Spoke to a CSR and was told that they would escalate the matter and get back to me. Next day I recieve an email to say that my complaint has been resolved. Just another brush off by a bank. Show details

More broken promises and lies from ME Bank – More lies from ME Bank. Despite the promises that came from various employees and int the answer to my my recent review, no one has been on contact with me. Nothing has changed. Time for the ombudsman - ME Bank has become a deceptive joke. Before you say this isn't the place to resolve issues, the two case numbers were provided for you in the 'only visible to the company' section.

Locked out of my bank account – ME Bank seems to have locked me out of my Bank Account. I tried numerous times recently and again today. I reset my 'access code' numerous times, to no avail. I rang. The customer service woman told me it was a ' network error' and there was nothing she can do. She offered to transfer some money and suggested I try the new access code she gave me.… Read more

I did and it doesnt work. There is over $9000 in that account and i can't access it- not even to close the accounts down! Not only did they cheat me out of thousands of dollars on my fixed term deposit but they have locked my remaining accounts. No idea what to do now!

No protection from fraud with this bank – Do not trust this bank to protect you from fraud. We recently had one of our joint account debit cards added to Apple Pay by a scammer - his phone apple pay account not ours. We lost money to two purchases in Great Britain Pounds using Apple Pay - each purchase occurring on the same day. The debit card was cancelled as soon as we noticed the… Read more

fraud and a new card issued. The fraud department of ME Bank did not provide any detail how this could happen and walked away from the issue. Worse than this, the fraud department has not responded to any email query since. Of particular import was the question in my emails - did the bank automatically update the Apple Pay account (the scammer account) with the new card details as seems to be normal banking practice - no response. We had no choice but to empty all our accounts and move to another bank with no answer to this particular question as our money was no longer safe with ME Bank. The ME Bank fraud department is fundamentally missing in action with respect to active monitoring - two foreign currency transactions same day, short time between each - this being so out of usual spending patterns and no stop was applied automatically? Do not trust your money with this bank.

Ok but don't expect an easy withdrawal – I decided to close my account and move to Macquarie so I can get decent interest without tapping every month. Overall I was happy with ME Bank but leaving has been painful as you have to fill out a pdf form which can't be updated once saved and they have a silly rule where you have to answer a question about when did you last meet the person… Read more

you're sending your money to (which is me). If you answer Not Applicable, they refuse to accept the form. When I called to ask why, they hung up on me. I am shocked as it's clearly me requesting it as I have a secret word and pin etc. It's leaving my experience with them as bureaucratic and glad I am leaving.

Big banks know best – I really loved the idea of the bill tracker and different coloured cards for the Me.go app but it is very dissapointing that you can only have 2 accounts and 2 cards per customer. I needed 3 accounts so of course once again big companies always know what's best right?

Nil customer service – SpendME card stopped working 3 days ago in London. No response by email. Noone answered international support phone.

Leaving this bank after 25years – Zero interest on there interest me saving account. Other accounts which give you higher interest requires you to use cards and send money. Not very good for a bank that ment to promote good banking

Rubbish interest rate on savings yet high interest rate on credit cards. Taking money elsewhere – Rubbish interest rates on savings. Moving my money out. Also phone service is third world.

Appalling bank. Avoid at all costs – Their ME Home and ME Spend accounts are cons and their 5.65% bonus interest rate is the bait. Many of the conditions are hidden and they make new excuses as to why the bonus was not paid at the end of month. If ME was a supermarket the ACCC would be onto them immediately. I’m fed up with them but talking to them is almost impossible as is… Read more

transferring funds with a tiny daily limit and any transfer doesn’t appear elsewhere for up to five days. No doubt, the old “we’re sorry, new product etc” line will be spun about these problems but hey, look at all the other one star ratings and comments.

ME GO - Home account - Appalling customer service, conflicting advice and complaints are on the increase – Can't transfer funds easily. They look for petty ways to stop you from transferring money out and also for paying interest they owe. They will try and trick and bamboozle you with terms and conditions wording. For example, the closing balance includes the calculated interest at the end of each month. So each month at the end you need to exceed the… Read more

interest calculated from the previous month on top of your closing balance as well. But don't count on them paying you the interest in a hurry. It's supposed to be paid on the 1st of the month but since opening the account 2 months ago, both months have been paid late for either myself or partner! They lock your account if you need to do a larger transfer, despite your answers being correct. Also, there's no customer service on the weekends or public holidays for lost/stolen cards or locked accounts, they simply lock your account and you need to wait for business day opening.