based on 2080 ME banking product reviews as rated by Mozo community

ME bank accounts

ME stands for a new kind of banking - one that's fairer, more transparent and is committed to great deals for its customers. Originally created by Australia's leading super funds and now owned by Bank of Queensland, ME has award-winning home loans and term deposits, low-cost savings accounts, country-wide ATM access and banking experts that come to you at your convenience.

ME offers the following bank accounts

Rates and fees verified as correct at 05 August, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Account fee Payment options Interest rate
Everyday Transaction Account

$0.00

Apple Pay

0% p.a.

How are ME bank accounts rated?

Mozo users have rated ME bank accounts on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

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ME bank accounts
Overall
Price
Features
Customer service
Convenience
Trust

236 Reviews

Recent ME bank account reviews

ME Everyday Transaction Account
Overall 7/10
Great Online Bank - Customer Service, not so much.

If you like no interaction with customer service and can live with an online account, ME is for you. There are no fees, it is easy to set up an account and the app is good once you have your head around how to access information.. Customer service is definitely lacking with this bank. I was so fed up with the long waiting times on the phone, I resorted to sending online emails. I requested to close an account that has a $0.00 balance. I can see they read my message but, has not actioned it.. Home loans have also been a sticking point, I have requested to refinance my loan due to the interest drop. They were happy to go so far but, now I am required to call.. I can't seem to receive a payout figure but, getting someone on the other end of the phone is just as difficult.

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If you like no interaction with customer service and can live with an online account, ME is for you. There are no fees, it is easy to set up an account and the app is good once you have your head around how to access information.. Customer service is definitely lacking with this bank. I was so fed up with the long waiting times on the phone, I resorted to sending online emails. I requested to close an account that has a $0.00 balance. I can see they read my message but, has not actioned it.. Home loans have also been a sticking point, I have requested to refinance my loan due to the interest drop. They were happy to go so far but, now I am required to call.. I can't seem to receive a payout figure but, getting someone on the other end of the phone is just as difficult.

Price
7/10
Features
6/10
Customer service
2/10
Convenience
10/10
Trust
7/10
Less
Jodie, Tasmania, reviewed 24 days ago
ME Everyday Transaction Account
Overall 1/10
No service since BOQ take over

I have been banking with ME for last 7 years- everything has been Ok up until now. Since BOQ has acquired them for 1.3b , I can’t get a Bank cheque deposited at BOQ or Westpac branches . Too bad I’m left in hole . How could you do this to your very good customers . This little pig Bank went - We We Wee all the way home

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I have been banking with ME for last 7 years- everything has been Ok up until now. Since BOQ has acquired them for 1.3b , I can’t get a Bank cheque deposited at BOQ or Westpac branches . Too bad I’m left in hole . How could you do this to your very good customers . This little pig Bank went - We We Wee all the way home

Price
6/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
6/10
Less
Chris, Queensland, reviewed 3 months ago
ME Bank Account
Overall 2/10
Nice people but half baked systems - stay away

Where is the summary of interest tab? I know I can trawl through my statements with a calculator and pencil but perhaps if ME wants to improve you could make it easier for your customers. Error message saying I had exceeded my daily limit of Pay Anyone but I had not made ANY Pay Anyone transactions.Called custoemr care who tried their best but were unable to help so I just had to wait till the next day which meant I did not meet the commitment I made to pay someone. My reputation tarnished by ME poor systems. Tax deducted from interest (if TFN not provided) is bundled in with the interest figure - not shown as a separate line item. The sneak peek function on the mobile app was removed without notice. Where is the communication? Then it was restored. Invisible accounts. If I have 3 accounts and want to Transfer Between My Accounts the 3rd account is invisible on the android mobile app. You cant see it. The transfer still works but you just cant see the account. If I have 4 accounts you cant see the 4th account. If I want to pay my friend on the web I use Pay Anyone. If I use the Android app its Pay Someone. I dont care if its Anyone or Someone but just make it the same. Where is the attention to detail? No account balance shown after each transaction on mobile app No ability to add, modify, delete function for future dated transactions on mobile app Awful and unhelpful transaction descriptions. Accurate? Probably but helpful or intuitive? Nope When adding an new Pay Someone it checks the BSB but it doesnt recognise several banks eg ING, Macquarie bank and ME. Yes thats right when I add my friends account to pay them into their ME bank account the mobile app says This Bank is Unknown. There is whole bunch of login, timeout and website issues but I have better things to do now that provide free business analysis and bug detection services for ME, and ME wont do anything about it anyway as they will be told there is a system freeze due to the BoQ takeover so its all moot anyway. Good bonus interest BUT be careful as its only IN PERSON card transactions that count, online purchases do NOT count towards the 4 transaction requirement for bonus interest ME is a low grade, junior bank and I wish them luck but they are still in beta. If its any consolation you are still better than Comm bank.

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Where is the summary of interest tab? I know I can trawl through my statements with a calculator and pencil but perhaps if ME wants to improve you could make it easier for your customers. Error message saying I had exceeded my daily limit of Pay Anyone but I had not made ANY Pay Anyone transactions.Called custoemr care who tried their best but were unable to help so I just had to wait till the next day which meant I did not meet the commitment I made to pay someone. My reputation tarnished by ME poor systems. Tax deducted from interest (if TFN not provided) is bundled in with the interest figure - not shown as a separate line item. The sneak peek function on the mobile app was removed without notice. Where is the communication? Then it was restored. Invisible accounts. If I have 3 accounts and want to Transfer Between My Accounts the 3rd account is invisible on the android mobile app. You cant see it. The transfer still works but you just cant see the account. If I have 4 accounts you cant see the 4th account. If I want to pay my friend on the web I use Pay Anyone. If I use the Android app its Pay Someone. I dont care if its Anyone or Someone but just make it the same. Where is the attention to detail? No account balance shown after each transaction on mobile app No ability to add, modify, delete function for future dated transactions on mobile app Awful and unhelpful transaction descriptions. Accurate? Probably but helpful or intuitive? Nope When adding an new Pay Someone it checks the BSB but it doesnt recognise several banks eg ING, Macquarie bank and ME. Yes thats right when I add my friends account to pay them into their ME bank account the mobile app says This Bank is Unknown. There is whole bunch of login, timeout and website issues but I have better things to do now that provide free business analysis and bug detection services for ME, and ME wont do anything about it anyway as they will be told there is a system freeze due to the BoQ takeover so its all moot anyway. Good bonus interest BUT be careful as its only IN PERSON card transactions that count, online purchases do NOT count towards the 4 transaction requirement for bonus interest ME is a low grade, junior bank and I wish them luck but they are still in beta. If its any consolation you are still better than Comm bank.

Price
9/10
Features
7/10
Customer service
7/10
Convenience
7/10
Trust
2/10
Less
Dave, New South Wales, reviewed 3 months ago
ME Everyday Transaction Account
Overall 3/10
Me Bank

Literally the worst service of any bank I’ve dealt with . Lost card , 3 weeks wait. Call them up , that’ll take 3 days , the call will drop out several times and they won’t call you back . The app is horrendous. Nil features and as basic as it comes . The only positive of banking with me is as the home loan rate , but now there not the lowest and have merged with BOQ why would you ?

Read full review

Literally the worst service of any bank I’ve dealt with . Lost card , 3 weeks wait. Call them up , that’ll take 3 days , the call will drop out several times and they won’t call you back . The app is horrendous. Nil features and as basic as it comes . The only positive of banking with me is as the home loan rate , but now there not the lowest and have merged with BOQ why would you ?

Price
6/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
2/10
Less
Thomas, Victoria, reviewed 3 months ago

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