Supporting your
transition to ME Go.

Customers are #1 to ME, so we’re always listening to your feedback and working toward improving your experiences. Our exciting new ME Go app and internet banking have been developed to give you all the things you’ve been asking for – as well as more things we know you’re going to love.

ME Go includes new features such as:

• Instant payments thanks to OSKO and PayID
• No international transaction fees or currency conversion fees charged by ME when you use your replacement Visa Debit card.
• New app features ─ spend, budgeting, and bill tracking
• Self service your home loans view your offsets and update repayment details 
• Live chat ─ available in the mobile app from Monday to Friday 8am-8pm Saturday 9am-5pm 

Click here if you would like more information about ME Go.

Click here to find out the differences between the classic ME Bank app and our new ME Go app.

While we’re taking care of transitioning your accounts over in the background, please continue to use your current accounts and Debit Mastercard(s) as normal. There are no changes to how you access or use your accounts or cards prior to the transition.

Please check your mobile number and postal address are all correct in your current ME app and internet banking or by calling ME on 13 15 63. Your personal mobile number may be used to log in to ME Go and if you will be receiving a replacement Visa Debit card, it will be sent to your postal address on file.

If you have a Debit Mastercard, you will receive a replacement Visa Debit card closer to your Go Day. You will need to update your recurring payments set up with your Debit Mastercard with your replacement Visa Debit card details. Make a list of your recurring payments in advance to help you prepare – see here for a list of common recurring payments.

You won’t have access to your accounts and cards for a period of time – please check your emails, SMS or letter in the mail for the exact outage time. Alternatively, you can call ME on 13 15 63 to enquire about your service interruption timings. You’ll experience a service interruption, so ME can transition your accounts to ME Go. Please prepare in advance as you will not have access to your funds during this time.

You will no longer have access to your Debit Mastercard, ME Bank app and ME Bank internet banking: The night before your Go Day, you’ll no longer be able to use your Debit Mastercard, ME Bank app and ME Bank internet banking to access your accounts. This includes making payments and transferring funds. Once ME has transitioned your accounts to ME Go, you’ll receive an email and SMS letting you know you can now download and log in to ME Go to access your accounts.

• Download the new ME Go app or log in to ME Go internet banking. 
• Select ‘Already with ME? Log in here’ and check your accounts.
• For your home loan accounts there is no further action. Your offset accounts will continue to be linked, and all redraw balances and direct debits will stay the same.   
• If you have a replacement Visa Debit card, activate this card in the app and set your PIN in seconds. 

 
If you have a replacement Visa Debit card, add your card to your digital wallet to make contactless payments. 
 
1. Log in to the ME Go app and click on the ‘Profile’ icon.  
2. Go to ‘Manage cards’.  
3. Select your SpendME Account.  
4. Follow the prompts and you’re ready to Go.  

Out with the old.

Once you have received your SMS and email advising you that your accounts have successfully transitioned to ME Go, you will no longer have access to your accounts through your existing ME Bank app and internet banking. If you have a Debit Mastercard, your card will no longer be active. Please securely dispose of the plastic card. Please update your existing recurring payments with your Visa Debit card details. See here for a list of common recurring payment examples.

You may know family and friends that bank with ME whose accounts are not transitioning just yet. Please know that customer accounts will be transitioned to ME Go across different dates. We will communicate to customers individually when their accounts will be transitioned.

• Check device compatibility: If you are experiencing problems with the app, please check device compatibility as you’ll need a compatible device running iOS 14.0+, iPadOS 14.0+ or Android 9.0+.
• Make sure you’re entering the correct mobile number or Log in ID: You will need to login with the mobile number you currently have with ME, this number must be unique to you and not shared with another ME customer. If you’ve been provided with a Log in ID instead, please check your email or the letter we sent you to confirm you’re entering it correctly.

For any other problems, please contact ME on 13 15 63.

As we transition your accounts to ME Go, your existing Open Banking consents will be revoked in order to facilitate the transition. On Go Day, you will likely receive a notification from the Accredited Data Recipient(s) you share your information with letting you know that your consent was revoked or expired.

Should you wish to continue using Open Banking services, you will need to re-establish your data sharing consents with each Accredited Data Recipient and ensure you select the “ME Go” brand.

See our step-by-step guide here.

If the current mobile number on your ME banking profile is shared with another ME customer you won’t be able to access the ME Go app on your Go Day. You can still access ME Go internet banking, however you will need to go through additional security prompts.

To access the ME Go app please call ME on 13 15 63 to update your mobile to an individual Australian number.

Moving forward, if you wish to establish a data sharing consent for your ME Go accounts, you will need to use the mobile number (as opposed to your Customer ID) and a one-time SMS code.

Additionally, if you would like to view or manage your consent data for your ME Go accounts, you will need to use the Open Banking Customer Dashboard specifically for ME.

Open Banking Customer Dashboard

If you’re planning to be overseas or will not be contactable via SMS on Go Day, please call ME on 13 15 63 or +61 3 9708 4001 to discuss your options.

You can download the ME Go app by scanning the QR code below or by downloading the app from your mobile device's application store (App Store or Google Play). 
    
You can log in to the ME Go app on your Go Day by following the simple steps below:

1. Download the new ME Go app. 
2. Select ‘Already with ME? Log in here’. 
3. Check your accounts. Your accounts will already be visible in the app.
4. Activate ─ If you have a Debit Mastercard, activate your replacement Visa Debit card in the app and set your PIN in seconds. 

Please note, you'll need a compatible device running iOS 14.0+, iPadOS 14.0+ or Android 9.0+.
 

Already on ME Go? You may already have an account on ME Go – on your Go Day your existing accounts from ME Bank will join your other accounts on your ME Go app and internet banking.

If you currently have an international or missing mobile number on your profile or share your mobile number with another ME customer you will be able to access your accounts on the ME Go internet banking. However, you will need to either update your number or use a unique Log in ID number to log in. To access the ME Go app please call ME on 13 15 63 to update your number to an individual Australian mobile number. Please refer to the emails or letter from ME for your own unique log in instructions.

ME Go internet banking can be accessed here.

You’ll need your login credentials, which typically include a username, password and additional security measures like a one-time password (OTP). 

A comparison of features between ME Go and the classic ME Bank internet banking can be found here.

You may have received an email on Go Day advising that we were unable to transition your accounts to ME Go. We apologise for the inconvenience.

Here are a few reasons why we may not have been able to transition you at this stage:

• Applied for a new ME product that is not currently available on ME Go
• Created a new account in ME Go before Go Day
• Incorrect contact details
• A person you share banking with, may be currently ineligible

For now, please continue to use your ME Bank accounts and Debit Mastercard as per normal.

We will give you a minimum of 30 days notice if you can be transitioned at a later date.

Your account numbers, transaction history, account balance, and personal information will remain unchanged as your accounts transition to the ME Go app and internet banking.

However, your BSB code will be updated as a part of this transition and change to 944-100. You will not need to update your BSB code for any existing payments, ME has taken care of this for you. For any new direct debits and payments to be set up, please ensure you use your new BSB code.

Your open date will display as your accounts transition date in ME Go.

During the month your accounts transition to ME Go, your transaction history will be split across two statements. Within a week, you’ll automatically receive an interim statement that will include transactions up to your accounts transition date. In the following six-monthly statement, you’ll find transactions from the date of your account transition onward. 

You will continue to receive your statements the same way you received them before your transition to ME Go. You can access your statements for the current and previous financial year downloadable as a PDF through the ME Go app and internet banking.

For more information, visit our interim statements page here.

Once you transition to ME Go, you can access your transaction history in two ways:

• For recent transactions (up to the last 6 months): View them directly in your account under the ‘Transactions’ tab.
• For older transactions (from the current and previous financial year): Download your statements by following the instructions below.
• For Term Deposits: Your transaction history is not being transitioned to ME Go. You can view your transaction history in your Statement or Letters, and these documents will be transitioned to ME Go for the current and previous Financial Year. If you are having trouble accessing your Statements or Letters, please call ME on 13 15 63.

ME Go app  
1. Click ‘Profile’ icon on the bottom left of the screen.  
2. Select ‘Statements and documents’.  
3. Tap the account you would like to see the statement for.
4. Choose the statement you would like to view.
  
ME Go Internet Banking  
1. Log in to ME Go Internet Banking.  
2. Select ‘Statements' .  
3. Choose an account from the drop-down box.  
4. Select either the 'View' or 'Download' option.

You may be receiving duplicate emails because your email address is currently shared with another customer. If you prefer, you can take no action, as sharing an email address won’t cause any issues for your transition to ME Go.  
 
If you want to update your email address to an individual, not shared email address so that you aren’t receiving duplicate emails, follow the simple steps below:   
 
1. Log in to your ME Bank app or internet banking.  
2. Click on the ‘My details’ tab.
3. Select ‘View personal details’.  
4. Verify your identity (you will receive an SMS with a one-time password to use).  
5. Update your email address.   

You may only be receiving SMS and not emails for a few different reasons. The email address we have on your current banking profile may be invalid or missing. Your inbox could be full or bouncing the emails ME is sending to you.  
  
To ensure you’re receiving all communications from ME about your transition to ME Go, please check and update your details in your current ME Bank app or internet banking.   
  
You can do that by following these simple steps:  

1. Log in to your ME Bank app or internet banking.
2. Click on the ‘My details’ tab then
3. Select ‘View personal details’.  
4. Verify your identity (you will receive an SMS with a one-time password to use).  
5. Update your email address   

Please check your inbox is not full and alternatively you can call ME on 13 15 63.  

Not just yet. The old ME platform lets you export transactions in different file formats (like CSV or OFX), which you can manually upload into your accounting software. Handy, but not a direct integration.

The new ME platform doesn’t currently support transaction exporting—but good news: it’s in the works. We know how important this feature is, and we’re working on bringing it to you soon. In the meantime, you might need to manually enter transactions or use your bank statements to keep your books balanced.

Saved payee descriptions in ME Go can only be 35 characters or less. This may be the reason why your saved payee description has changed or has been shortened. Please check all your details are correct in ME Go and update the description to your personal preference.

If you currently have an authorised third party arrangement in place with ME – such as an enduring power of attorney, financial administrator, or authority to operate – rest assured that this arrangement will continue as your accounts transition to ME Go. We’ll send a letter and provide ongoing communication to your nominated third party, so they remain informed during the transition. 

If you’re an authorised person for another ME customer, you will receive a letter with important updates and ongoing communication as their accounts move to ME Go, so you’re kept informed. You may be an authorised person for a ME customer whose accounts are not transitioning just yet. Please know that customer accounts will be transitioned to ME Go across different dates. We will communicate with you individually when their accounts will be transitioned. This may mean you’ll need to manage accounts across two apps and internet banking platforms for a period of time. 
 

When we transition your accounts over to ME Go, there will be some changes, like a new name and new features, but features like your account number will remain the same. 

The full details of the changes you’ll experience can be found in your Deposit Accounts Notice of Change located here. 

The Terms and Conditions that apply to your accounts, and your electronic access, will be replaced with the following new ME Go Terms and Conditions from the date your accounts transition. Visit our website to view the terms and conditions below: 

• ME Go Deposit Account Terms and Conditions: These terms govern the use of your ME Go Deposit Accounts.
• ME Go Deposit Accounts Interest Rates, Transaction Limits, Fees and Charges: Explains all the fees and charges, transaction limits and the interest rates associated with your accounts.
• PayID Terms and Conditions: Explains how to create and use PayID for your accounts. 
• Digital Wallet Terms and Conditions: Terms and Conditions that cover the use of Apple Pay, Google Pay and Samsung Pay.
• ME Go App Terms of Use: Sets out the terms for using the ME Go app.

A product comparison table highlighting key features, fees, and benefits is also available on our website here.

If you have an existing joint authority set up, you will receive a replacement Visa debit card. However, you cannot use this card whilst the joint authority is in place. 

There will also be a change to how you request actions on your joint authority accounts: 

• Before transition to ME Go: A written request would need to be submitted via mail, fax or email. 
• After transition to ME Go: You can make the request by calling ME on 13 15 63, or by contacting us on live chat in the ME Go app.

Fees and charges that apply to your accounts are replaced with the fees and charges set out in the ME Go Deposit Accounts interest rates, transaction limits, fees and charges guide which can be found here.

Your bonus interest rate criteria is changing. Make four settled card transactions in a (any) calendar month on any SpendME Account in the same name (sole name account) or names  ( joint name accounts) as your SaveME Account, to be eligible to earn bonus interest in the next calendar month, with bonus interest paid on the 1st day of the following month.

Your bonus interest rate cap is changing:

• Before your transition to ME Go: bonus interest is applied up to $250,000 per Online Savings Account.
• After your transition to ME Go: bonus interest is applied up to $500,000 on each of your SaveME Accounts.

Information on interest rates can be found in the ME Go Deposit Accounts interest rates, transaction limits, fees and charges guide found on our website here.

Month 1 (e.g. January)
You make four settled transactions (tapping in-store, or paying a bill, etc) with your SpendME Visa debit card.

Month 2 (e.g. February)
ME calculates interest daily based on the closing balance in your SaveME account each day.

Month 3 (e.g. 1st March)
ME pays your bonus interest into each SaveME savings account on the first day of the month.

To continue to earn bonus interest each month, you'll need to meet the above Bonus Criteria.

If you have a SaveME account that had a transaction account in the same name before transitioning to ME Go, ME will be waiving the bonus interest criteria for the first two calendar months.   
  
To continue to receive the bonus interest, you will need to meet the new Bonus Criteria below. We recommend from your Go Day you start to meet the criteria to avoid missing a month of bonus interest.   
  
Make four settled card transactions in a (any) calendar month on any SpendME Account in the same name (or joint names for jointly held accounts) as your SaveME Account, to be eligible to earn bonus interest in the next calendar month, with bonus interest paid on the 1st day of the following month. Bonus interest applies to the  balance of your SaveME account up to  $500,000. 
  
If you’re unsure whether you’re getting bonus interest, you can always check your eligibility for the next month in the bonus tracker found in the ME Go app.
  
1. Log in to your ME Go app.   
2. Click on the accounts icons.  
3. Tap on SaveME account.  
4. View bonus rates activated next month.   
 
Month 1 (e.g. January)
You make four settled transactions (tapping in store, or paying a bill etc) with your SpendME Visa debit card.

Month 2 (e.g. February)
ME calculates interest daily based on the closing balance in your SaveME account each day.

Month 3 (e.g. 1st March)
ME pays your bonus interest into each SaveME savings account on the first day of the month.

To continue to earn Bonus Interest each month, you'll need to meet the above Bonus Criteria.



Find out more about your bonus criteria

If you have an Online Savings Account(s) but no transaction account in the same name, the following information applies.   
  
Your Online Savings Account will change to a SaveME Account as part of your transition to ME Go.

Your SaveME account requires you to also have a SpendME account in the same name but don’t worry, ME has you covered. If you choose to keep your SaveME account, on your Go Day we will open a SpendME account for you in the same name as your SaveME account.  
  
Your options:   
    
1. Choose to keep your SaveME account and agree to the opening of your new SpendME account: Just log in to the ME Go app or internet banking on or after your Go Day and this will acknowledge:   

• your agreement for ME to open your new SpendME account   
• your agreement that we have provided you the Terms and Conditions documents and other information described below, electronically with your consent   
• that you agree to the documents and information described below.   

Your use of or access to the SpendME account in any way on or after your Go Day will also be confirmation of your agreement.    
   
If your Online Savings Account is a joint account, your SpendME account will also be a joint account. Agreement in the ways described above by any account holder will be treated as agreement on behalf of all account holders unless you contact us and tell us before your Go Day.    
   
2. Choose to close your Online Savings Account: If you do not wish to have ME open a SpendME account on your behalf as part of your transition to ME Go, or you do not agree to any of the Terms and Conditions documents or other information described below, you will need to close your Online Savings Account.

Please call ME before the Tuesday the week of your Go Day on 13 15 63 and our team can assist you in closing your Online Savings Account.

Do not log in to the ME Go app or internet banking or otherwise seek to use or access your new SpendME account as this will be deemed as your agreement for ME to open a SpendME account on your behalf. 
   
Here is some important information you should know about your new SpendME account:

• Terms and Conditions: The Terms and Conditions that will apply to your new SpendME account are set out in the ME Go Deposit Account Terms and Conditions available on our website (including the other applicable ME Go Terms and Conditions described in those Terms and Conditions).   

• Fees and charges: The fees and charges that will apply to your SpendME account are set out in our ME Go Deposit Accounts Interest Rates, Transaction Limits, Fees and Charges guide available on our website.  If you would you like more information about the amounts payable by you in respect of your new SpendME Account, call ME on 13 15 63.   

• Electronic notices and information: SpendME accounts are a fully digital product and we may give you notices and other communications electronically only to your email address or by making the information available on our website or in the ME Go app. Statements for your SpendME account will also be provided electronically through the ME Go app or ME Go Internet Banking.  

You should not choose to keep your SaveME account and agree to the opening of your SpendME account if you are not able or willing to receive communications electronically.   

• Visa Debit card: You can choose to add a digital Visa Debit card linked to your new SpendME account to your digital wallet or request that we issue you a physical Visa Debit card through the ME Go app from your Go Day. A digital or physical Visa Debit card will not be issued for your new SpendME account unless you request it in the ME Go app on or after your Go Day.    

•  Financial Claims Scheme: SpendME accounts are protected under Australian Government’s Financial Claims Scheme and you may be entitled to a payment under the Financial Claims Scheme depending on your circumstances. Payments under the Financial Claims Scheme are subject to a limit for each account holder that applies across all balances held by you with Bank of Queensland Limited across all its divisions and brands.  Further information about the Financial Claims Scheme can be obtained from www.fcs.gov.au.   

• Tax residency: Our existing records relating to your tax residency for your Online Savings Account will be applied to your new SpendME account unless you tell us otherwise. You must tell us about any changes to your tax residency.

If you log in to the ME Go app or internet banking on or after your Go Day or otherwise agree to your new SpendME account, by doing so you certify to us that:   

• you are not a United States of America citizen or resident for tax purposes, or a tax resident of any country other than Australia, unless you have told us otherwise; and   
• there have been no changes to the tax residency information or certifications that you have previously provided to us.

If you agree to ME opening a SpendME Account on your behalf, ME will not be waiving the bonus interest criteria for the first two months. In order to earn bonus interest, you will need to request a Visa Debit card so you can meet your new SaveME Account’s bonus interest criteria.   
  
Bonus interest criteria 
 
Make four settled card transactions in a (any) calendar month on any SpendME Account in the same name (sole account) or names (joint account) as your SaveME Account, to be eligible to earn bonus interest in the next calendar month, with bonus interest paid on the 1st day of the following month.  Bonus interest applies to the balance of your SaveME account up to  $500,000.  
  
If you would like to request a physical Visa Debit card for your SpendME Account, please follow the steps below:    
  
1. Log in to the ME Go app
2. Tap on the ‘Profile’ icon   
3. Select ‘Manage cards’   
4. Choose your SpendME Account   
5. Click ‘Request a physical card’ and follow the prompts    
   
If you would like to access your SpendME Account straight away, you can also request to add your digital card to your digital wallet.

If you have a Debit Mastercard, your recurring payments set up with your existing card number will need to be updated with your new replacement Visa Debit Card details. So, wherever you’ve saved your card information e.g. Utilities, Spotify and Netflix – take a moment to update these with your replacement Visa Debit card details so that you continue to pay on time and with ease.

For more support, refer to our list of common recurring card payments, or please call 13 15 63 to request a list of you recurring card payments.

Yes, you will no longer be able to transfer funds by Operator Assisted Banking once your accounts have transitioned to ME Go. You will only be able to transfer funds via the ME Go app or ME Go Internet Banking. If you experience a problem, you can call ME on 13 15 63.

There are no changes to how you use Bank@Post. You can continue make deposits and withdraw cash at any Australia Post office across the country that displays the Bank@Post symbol with your physical SpendME card and PIN.

Find out more here.

For customers who have an Everyday Transaction Account (a SpendME Account on ME Go), your ATM access is changing:

ME will no longer rebate all ATM Operator fees incurred at ATMs in Australia as part of your transition to ME Go. You can receive fee-free ATM withdrawals at: 

• All BOQ Branch ATMs
• Commonwealth Bank, NAB, ANZ and Westpac ATMs in Australia.

Other ATMs not listed above can be used but may not always be fee-free.

Find a fee-free ATM.

There is no change for customers who hold an InterestME Savings Account.

You can add your replacement Visa Debit card to your Apple, Google and Samsung wallets by following the steps below: 

1. Log in to the ME Go app
2. Click on the 'Profile' icon.
3. Select 'Manage cards'.
4. Choose your SpendME Account.
5. Follow the prompts and you're ready to Go. 

For more information, head to our digital wallets page.

Follow the simple steps here if you need to set a new PIN on ME Go.

The manage card section in your ME Go app will show you which card is linked to each account you hold with ME.

If you have multiple cards of the same colour, a simple way to check which card is related to each account is by renaming your SpendME Account in ME Go. Follow the steps below: 

1. Click on the ‘Accounts’ icon.
2. Select the account you want to rename. 
3. Click the three dots in the top righthand corner.
4. Select ‘Rename account’ and add a new name.

By renaming your SpendME Accounts, you will now be able to identify the card associated to the SpendME Account by following these steps: 

1. Log in to the ME Go app.
2. Click on the ‘Profile’ icon.
3. Select ‘Manage cards’.

As your accounts transition to the new banking platform on ME Go, you will be issued a replacement card. For each Debit Mastercard you currently hold with ME, you will be receiving a colourful replacement Visa Debit card. 

Soon you’ll be saying hello to your colourful replacement Visa Debit card, where every time you tap to pay with your new digital card, ME will donate 1 cent to a charity linked to your new card ─ and the donation comes out of our pocket, not yours.

Find out more about your replacement Visa Debit card.

You should receive one replacement Visa Debit card for each transaction account that you had with ME prior to your accounts transition to ME Go. 

If you have not received anything, there may be a few reasons: 

1. The card has not yet arrived. Your card should arrive at your nominated address around one week before your transition date. 
2. Your card was sent to the incorrect place. Please check your nominated address in the ME Bank app or internet banking to ensure it is up to date. 

If there are any other issues, please contact ME on 13 15 63.

If you want to change the colour and charity of your replacement Visa Debit card, you can do so once your accounts have transitioned to ME Go and you have activated the card you received in the mail. 

As a customer transitioning to ME Go, you will not be charged $10 to change card colour and charity.

Call ME on 13 15 63 to request a new replacement Visa Debit card in the colour and charity of your choice.

If you would like to request a physical Visa Debit card for your SpendME Account, please follow the steps below:  

1. Log in to the ME Go app. 
2. Tap on the ‘Profile’ icon. 
3. Select ‘Manage cards’. 
4. Choose your SpendME Account. 
5. Click ‘Request a physical card’ and follow the prompts.     
 
If you would like to access your SpendME Account straight away, you can also request to add your digital card to your digital wallet.

You can read about the changes to your home loan(s) in your Notice of Change – available here.

Your current ‘Part 2 – Additional Terms and Conditions for ME Flexible Home Loans, ME Standard Home Loans and ME Basic Home Loans’ or ‘Ultimate Offset Account Part 2 – Additional Terms and Conditions of Your Housing Loan’ is replaced with the new ‘Home Lending Terms and Conditions’.

Your current ‘Electronic Access Terms and Conditions’ will be replaced with the ‘Electronic Banking Terms and Conditions’, and ‘ME Go App Terms of Use’ 

If you have linked a PayID to your Loan Account then this will be governed by the ‘PayID Terms and Conditions’. 

You can access all updated documents related to your Terms and Conditions here.

A complete list of the fees and charges that apply to your new Home Loan products can be found in the Lending Guide to Fees and Charges, which can be found here .

You can also find a comparison between your old fees and new fees in your Notice of Change, which can be found here. 

After your accounts transition to ME Go, your Member Package agreement will continue until its next scheduled renewal date, at which time it will end. If it’s due for renewal before the transition, it will renew as usual and remain in place for another 12 months.

Here’s what you need to know about what happens when your Member Package ends:

1. You will retain your discounted rate: There will be no change to your CompleteME base rate or discount.
2. Top-up and valuation fees: Your CompleteME Home Loan has no top-up fee, so you can top up your loan without any fees. Additionally, you won’t have to pay valuation fees under $300 on your CompleteME home loan.
3. Annual fee: An annual fee of $395 from your home loan account on your next Member Package renewal date after your accounts transition to ME Go, and then annually on the same date each year. The annual fee will become payable once it is debited to your loan and we will be in touch with you closer to this date to share more information on how you can pay this fee.

Once your accounts have transitioned to ME Go, your annual fee will be debited based on the following options:

• If you have a SpendME account linked for repayments: The annual fee will be debited to your home loan account and then paid from your SpendME  account. If there are insufficient funds in your SpendME account and you have available redraw then your redraw balance will be reduced by the amount of the fee.
• If you have an OFI (Other Financial Institution) account linked for repayments: The annual fee cannot be debited from this account, and you will need to make a payment into the home loan account for this fee. If you have available redraw then your redraw balance will be reduced by the amount of the fee.

Important: If there are no funds available in either your SpendME account or your redraw (depending on your setup), your loan may go into arrears, which could impact your repayment history and credit score.

To avoid this, make sure to:

• Keep sufficient funds in your SpendME account or make an extra repayment into your loan account so your redraw balance covers the fee.
• Regularly check the Account Overview screen in your app, which clearly shows the next annual fee due date and the amount.

ME will send you information on how you can pay your annual fee before it is due.

Existing offset accounts will remain linked and will be called SpendME Accounts post transition.

Post transition you will also be able to link up to 10 SpendME accounts to offset your home loan.

The offset benefit displayed on your customer statement may be slightly understated for the first repayment period after your account transition to ME Go – this is because the offset benefit displayed is only from the day your account is transitioned. Please know that the calculation is correct, and future statements will display the correct offset benefit. 

There will be no change to the amount of redraw you have on your loan on the day of transition. Any additional funds paid into a fixed loan will become available when the fixed term expires. The minimum amount you can redraw from your loan on ME Go will change from a minimum of $500 to a minimum of $100.

If you currently have a fixed rate there is no change to your rate. New terms and conditions will apply if you fix your rate after the transition, which you can find here.

You can fix your interest rate on your EconoME or CompleteME Home Loan for 1 to 5 years. Please review the new terms and conditions that will apply. If you currently have a fixed rate, the existing terms and conditions will remain in effect until your current fixed rate term expires.

For customers transitioning from Flexible Home Loan accounts to CompleteME Home Loan accounts:
Please note two key changes in the terms and conditions if you fix all or part of your loan after transitioning to ME Go:

1. Prepayment Fee: The formula used to calculate the fixed rate prepayment fee is changing and will be renamed to Early Repayment Charge. Details of the new formula are in the Early Repayment Charge clause in the new Home Lending Terms and Conditions.
2. Annual Prepayment Limit: The amount you can pay into your fixed loan without incurring a cost will change from $30,000 per fixed interest rate period to $10,000 per annum.

Your current interest rate will remain unchanged, and interest will continue to be calculated daily. However, the composition of your existing and future variable interest rates will be adjusted.

If your home loan is interest-only, and you currently make repayments weekly or fortnightly, your repayment frequency will change to monthly once your accounts transition to ME Go.

Details regarding changes to your variable interest rates and repayment schedule will be provided in an email or letter from ME at least 30 days before your transition date.

The minimum repayment on your account will not change on the date of your transition to ME Go. However, once your accounts transition to the ME Go platform, this will trigger a future recalculation, which may change the minimum repayment amount. If your payment changes, we will notify you of the new repayment amount at least 30 days before the change takes effect.

If you hold a standard home loan with ME and your loan is on variable principal and interest repayments, the way of calculating your minimum principal and interest repayments is changing. ME will send you an email and direct mail with an estimate of your minimum repayment amount and important details about this change to you at least 30 days before your Go Day.

‘Pay Someone’ Payments: The standard daily limit for 'Pay Someone' payments will increase to $5,000, with an option to raise it up to $20,000 per day.

Please note that these changes to transaction limits may increase your liability for any unauthorised transaction that we determine you are partly or fully responsible for under the account’s Terms and Conditions, which can be found on our website here mebank.com.au/support/me-go-transition-terms-and-conditions/. 

No, repayment holidays will no longer be available if you are ahead of your repayments. For assistance on support available, visit mebank.com.au/support/financial-hardship.  

1. Annual Prepayment Limit: The limit will be adjusted from $30,000 per fixed interest rate period to $10,000 per annum.
2. Prepayment Fee Formula: The formula is being updated and will be renamed to Early Repayment Charge. For more details, please refer to the new Home Lending Terms and Conditions.

If you have an Online Savings Account(s) but no transaction account in the same name, the following information applies.   
  
Your Online Savings Account will change to a SaveME Account as part of your transition to ME Go. Your SaveME account requires you to also have a SpendME account in the same name but don’t worry, ME has you covered. If you choose to keep your SaveME account, on your Go Day we will open a SpendME account for you in the same name as your SaveME account.  

Your options:
  

1. Choose to close your Online Savings Account: If you do not wish to have ME open a SpendME Account on your behalf as part of your transition to ME Go, or you do not agree to any of the terms and conditions documents or other information described in this email, you will need to close your Online Savings Account. Please call ME on 13 15 63 and our team can assist you in closing your Online Savings Account.  
2. Choose to keep your SaveME Account and agree to the opening of your new SpendME Account: If you log in to the ME Go app or internet banking on or after your Go Day without calling ME to let us know that you want to close your Online Savings Account, this will acknowledge:

•  your agreement for ME to open your new SpendME Account 
• your agreement that we have provided you the terms and conditions documents and other information described below, electronically with your consent 
• that you agree to the documents and information described below

If your Online Savings Account is a joint account, your SpendME Account will also be a joint account. Agreement in the ways described above by any account holder will be treated as agreement on behalf of all account holders unless you contact us and tell us otherwise before your Go Day.    

Please find important information about this change in your emails. 

At present, you have an Ultimate Offset Account home loan, which combines one or more loan facilities* and a transaction facility into one overall loan account.  
 
However, we do not offer this specific type of ‘all in one’ home loan and offset product on ME Go. Instead, we have separate standalone products that can be linked together to operate in the same way – the Complete ME Home Loan and a deposit account called a SpendME transaction account.   

It’s important to understand that when we transition you to ME Go, although your products will change, the existing setup of your accounts and balances will be maintained. 
 
When we transition you to ME Go, we will be: 

• converting your Ultimate Offset Account Home Loan to a CompleteME Home Loan  
• if you have a split loan, maintaining a separate CompleteME Home Loan account for each of your existing Ultimate Offset Account loan facilities 
• opening a SpendME transaction account on your behalf (in the same name(s) as your Ultimate Offset Account) to replace your existing Ultimate Offset Account transaction facility, and linking it to your CompleteME Home Loan as an offset account; and 
• closing the transaction facility for your Ultimate Offset Account and transferring the existing account number and balance to your new SpendME transaction account. 

If your existing Ultimate Offset Account home loan is a split loan, we will link the SpendME transaction account as an offset account to the CompleteME Home Loan account that corresponds to your current linked home loan for your Ultimate Offset Account. 
 
This transition means: 

• You will have the same offset benefits as you currently have – interest will continue to be calculated daily on the loan account balance less the balance of your linked SpendME Account while your loan account has a variable rate. 
• You can continue to access the funds in your offset account via the ME Go app or internet banking. 
• Any existing direct debits and payments established for your Ultimate Offset Account transaction facility using your BSB and account number will be automatically transferred to your new SpendME Account and will continue. 
• Your existing Debit Mastercard will be replaced with a Visa Debit card and you will need to update any recurring payment arrangements with merchants to reflect your new debit card details. See here for a list of common recurring payment examples. 
• Any PayID linked to your Ultimate Offset Transaction facility will be linked to your new SpendME account. 
• Your SpendME Account will be protected under the Australian Government’s Financial Claims Schedule (as it will be a standalone deposit account) and you can also keep it open after paying off and closing your CompleteME Home Loan. 

Importantly, this transition ensures that your account setup in ME Go closely mirrors what you currently have, except that the transaction facility is now a separate deposit account, with separate terms and conditions, and not part of the home loan. 
 
*These are referred to as credit facilities in your current loan Terms and Conditions. 

If you log in to the ME Go app, internet banking, or try to use or transact on your SpendME account (including recurring debits) on or after your Go Day without calling ME to opt out of having the SpendME account, this will be deemed as: 

• your agreement to ME opening your new SpendME Account 
• your agreement to ME transferring the balance of your Ultimate Offset Account transaction facility to the SpendME Account 
• your agreement that ME has provided you the terms and conditions documents and other information described below in this email, electronically with your consent, and 
• your agreement to the documents and information. 

Currently, your minimum repayment amount on your Standard Home Loan is based on your outstanding loan balance. If you access your redraw, your outstanding loan balance will increase, and then your minimum repayment amount will increase, to ensure your loan is paid off within the original term. 

With your new CompleteME Home Loan, the minimum repayment amount will be based on your scheduled balance ─ which is the sum of your outstanding loan balance and any available redraw. This means your minimum repayment amount stays consistent, even if you access redraw, giving you more certainty and aligning with standard industry practice.

If your home loan is currently on variable principal and interest repayments, this change will take effect on Go Day and we have sent you your estimated minimum repayment amount over email and direct mail. 

If your home loan is currently on a fixed rate or interest only repayments, the upcoming change will not take effect until your loan transitions to a variable rate with principal and interest repayments. 

It’s important to be aware that this change will affect your minimum repayment amount in the future. When your loan transitions, you may choose to reduce the impact by using part or all of your available redraw balance. Alternatively, you’re welcome to contact ME at that time to discuss support or explore your options. 

If you need assistance or are concerned about these changes, please contact ME on 13 15 63. If you are worried you can't pay what you owe, won't be able to manage your upcoming repayments, or if you are having difficulty meeting your repayments, please contact our dedicated Customer Assistance Team as soon as you can on 1300 500 520.

We understand that an increase to your minimum repayment amount can be challenging. We’re here to help you. Here are some options for you to consider: 

Option 1: Absorb all redraw  
You can choose to absorb your full redraw balance into your loan. This will remove the repayment increase but means you’ll no longer have access to those funds. To action this change, please call ME on 13 15 63 to request. 

Option 2: Absorb part of your redraw  
You can absorb part of your redraw to reduce the repayment increase while keeping some funds available for future use. To action this change, please call ME on 13 15 63 to request. 

There are more options available to you.  To explore what’s possible, please call ME on 13 15 63. ME is here to help. 

If you are worried you can't pay what you owe, won't be able to manage your upcoming repayments, or if you are having difficulty meeting your repayments, please contact our dedicated Customer Assistance Team as soon as you can on 1300 500 520.

If you have set a home loan repayment to an amount higher than the minimum—for example, choosing to pay $1,200 each month when your minimum repayment is $1,000—this arrangement will not be transferred to ME Go. To continue making payments above your minimum amount after your accounts move to ME Go, you'll need to set up extra repayments in the ME Go app. 
 

Log in to your account > Go to Accounts > Select your loan from the list. 

1. Click the (…) More Options menu. 
2. Choose Manage home loan account. 
3. Select Manage repayments. 
4. Click Update repayment amount. 
5. Follow the prompts to complete the update.

If you’ve set up any recurring direct debits to credit your home loan account that are not aligned to your minimum repayment due date or frequency, they’ll be cancelled. These recurring direct debit payments won’t carry over to ME Go as the platform cannot support them.

After your accounts move to ME Go, you can set up and manage repayments in the app. You can add or change your repayment account, update frequency and date, and make extra repayments on top of your minimum amount.  

Steps in the ME Go app > Accounts > Select your loan > Manage home loan account > Manage repayments.  

Alternatively, you can transfer funds from ME or another bank using your home loan’s BSB and Account number. 

No – your account will still be called a ME Bank Term Deposit Account. 

Your account number, balance, and personal details will stay the same during the transition. Your BSB will change to 944-100 once your account moves to ME Go.

No. The minimum amount for a Term Deposit is still $5,000.

If you’ve chosen email or mail for your communications, those preferences will remain.

Heads up: To keep you in the loop during the transition, we’ll send some important updates to the email address and mobile number we have on file—even if you usually get mail.

On ME Go, you can choose from 3, 4, 6, 7, 9 or 12 months.

Terms like 1, 2, 5, 10, 11 and 13–60 months won’t be offered anymore.

No. External accounts won’t be supported. You’ll need a SpendME, SaveME or HomeME account linked as your nominated account.

If your current term isn’t available on ME Go, your maturity instructions will default to close when your account moves over.

Want to reinvest? You can pick one of the available terms in ME Go internet banking or give us a call on 13 15 63.

Interest will only be paid at the end of your Term Deposit term. Mid-term interest payments won’t be available.

Partial withdrawals or top-ups at maturity are not available on ME Go. If you want to change the amount, you’ll need to close the Term Deposit and open a new one.

All new ME Go Terms and Conditions are available here.

This includes:

• ME Go Deposit Accounts Terms and Conditions
• Interest Rates, Transaction Limits, Fees and Charges
• ME Go App Terms of Use

If you have a Financial Hardship arrangement in place, we want to reassure you that your existing Financial Hardship Arrangement will continue as agreed, and the transition of your account to ME Go won’t affect it.

If your circumstances have changed since we last spoke, please contact our Customer Assistance Team on ​1300 500 520. We’re here to help and can talk through the options available to you.

You can also find additional support—including independent counselling and practical tools to help manage your money here.

If you are deaf, hard of hearing or have a speech impairment:
The free National Relay Service (NRS) is a useful tool.

• Telephone Typewriter (TTY): For type telephone service call 133 677
• SMS relay: For relay service send a text message to 0423 677 767
• NRS Chat (Internet Relay): For Internet relay service, connect to the NRS website or app.
• Speak and listen (Voice Relay): Voice relay service, available if you have a speech impairment – call 1300 555 727 then ask for ME 13 15 63. The NRS relay officer is present throughout the call to ensure smooth communication but doesn’t change or interfere with what the parties say. 

You can find information about which type of call is right for you and information about their privacy policy on the Access Hub website: https://www.accesshub.gov.au/about-the-nrs 
 
If English is your second language:

If English isn’t your first language, and you would rather speak to us in another language, we can arrange a free interpreter to help you. To arrange a free interpreter, you can call us on 13 15 63.

If at any time you’re not satisfied with our products, services, staff or our complaint handling process, we want you to tell us. For more information about our complaints handling process and how to make a complaint visit our Complaints and Feedback page