Business Details
32 Years
experience
Trusted Home Loans & Digital Banking Solutions
ME Bank was established in 1994 as an alternative to Australia's major banks, with a focus on helping everyday Australians achieve homeownership. Over three decades, we have expanded to offer a full suite of banking products while maintaining our commitment to competitive rates, fee-free services, and community support. Our digital-first approach enables us to provide 24/7 banking solutions, including home loans, term deposits, and transaction accounts, backed by the security of the Bank of Queensland Group.We prioritize customer-centric values, evidenced by our $3,000 cashback offer for refinancers, bonus interest programs, and partnerships with Australian charities. With over 300,000 customers assisted in homeownership and a government-guaranteed deposit scheme, we combine innovation with reliability to deliver financial solutions tailored to Australian needs.
Services
Home Loans
Term Deposits
Transaction Accounts
Savings Accounts
Digital Banking
Details
- Year established: 1994
Highlights and features
- We offer $3,000 cashback for eligible home loan refinancers
- Our digital banking platform provides 24/7 account access
- No account-keeping fees on transaction and savings accounts
- Government-guaranteed deposits up to $250,000 per person
- Partnerships with Australian charities through SpendME card donations
Associations and certifications
- Australian Government's Financial Claims Scheme
What people say
Great cashback offer
No account fees
Competitive rates
Easy digital access
Quick approvals
Services
Home Loans
ME Bank offers competitive home loans with variable and fixed rates, including cashback incentives for refinancers. Our products feature fee-free redraw facilities, offset accounts, and flexible repayment options. With loan-to-value ratios up to 80% and minimum loan sizes from $150,000, we cater to owner-occupiers and investors while maintaining a customer-first approach established since 1994.
Term Deposits
Secure your savings with guaranteed returns through ME Bank's term deposits. Choose terms from 1-6 months with interest rates up to 4.10% p.a. for 6-month deposits. Backed by the Australian Government's Financial Claims Scheme, our term deposits offer zero account-keeping fees and flexible investment amounts from $5,000 to $2 million for risk-averse savers.
Digital Banking
Access 24/7 banking through ME Bank's digital platform, featuring SpendME, SaveME, and HomeME accounts. Enjoy fee-free transactions, bonus interest incentives, and mobile app functionality for managing accounts, loans, and investments. Our digital-first approach delivers competitive rates and real-time charity donation tracking through card usage.
Questions
What home loan options does ME Bank offer?
We provide variable, fixed, and split loan structures with features like offset accounts, fee-free redraw, and cashback incentives for eligible refinancers.
Are my deposits protected at ME Bank?
Yes, savings up to $250,000 per person are protected by the Australian Government's Financial Claims Scheme.
How can I access ME Bank's services?
Our digital platform offers 24/7 access to accounts, loans, and support through mobile and online banking channels.
Do ME Bank accounts have fees?
We offer fee-free transaction accounts and waive monthly account-keeping fees across our core banking products.
What term deposit options are available?
Choose from 1-6 month terms with guaranteed returns, starting at $5,000 investment amounts and rates up to 4.10% p.a.
