Open Banking with ME.

Sharing your ME data with accredited providers is secure, easy to set up, and you can stop sharing at any time.

No, sharing your data is always your choice. You’ll be in full control of what data you share, who you share it with, and for how long.

Yes. By banking with ME, you put your trust in us – and that’s not something we take lightly. ME is committed to protecting your information. All data sharing requests must be initiated by you through a secure environment. ME cannot do this for you. Accredited providers must meet strict privacy and information security standards established by the Australian Competition and Consumer Commission (ACCC).

ME will never ask you to share your banking access code with accredited providers requesting your data through Open Banking. If you choose to share your banking data with an accredited provider, a one-time password (OTP) will be sent via SMS to your registered mobile phone number. You can cancel your data sharing arrangement at any time.

For more information about Open Banking and security, please see cdr.gov.au

Open Banking is available to ME customers that meet the following criteria:

• Must be an individual or joint account holder
• Must be 18 years of age or over
• Must have a valid mobile phone number (this is needed to support authentication using a one-time password)
• Must have active online banking
• Must have at least one open account

 
Account eligibility

Open Banking is available to the following ME accounts:

• Must be either an open account, or an account that has been closed within the last 24 months
• Must have digital access to the accounts through ME Internet Banking, the ME Bank app, or the ME Go app
• May be an individual or joint account
• Where a business account, the account holder must be an individual account holder i.e. a sole trader

We’ll be making more ME customer and account types, including non-individual accounts.

Must be 18 years of age or over
Must have a valid mobile phone number (this is needed to support authentication using a one-time password)
Must have digital access to the accounts through ME Internet Banking, the ME Bank app, or the ME Go app
Must have at least one open account
 

You can share your ME customer, account, balance, transaction history, payee, direct debit and scheduled payments data.

This is the unique customer identifier you use to log in to Internet Banking. Click here if you’ve forgotten your customer ID.

To authorise and manage sharing for accounts available in the ME Go app, please login using your mobile number (10 digits).

We’ll never ask for your Internet Banking access code to share data with accredited providers. If you choose to share your ME data with accredited providers, we’ll send you a one-time password to your registered mobile. This one-time password will expire after 5 minutes.

To start sharing your banking data, you need to firstly provide your consent on the website or app of the accredited provider you want to share your ME data with.

The accredited provider will tell you what data they need and how long they want you to share your data for. This may be once-off or ongoing for up to 12 months. The accredited provider will let you know what happens to your data after they’ve used it and you can also choose to delete your data.

If you consent to sharing your data:

• You’ll be connected to ME and prompted to enter your customer ID. This is the unique customer identifier you use to log in to Internet Banking. Click here if you’ve forgotten your customer ID. To authorise and manage sharing for accounts available in the ME Go app, please login using your mobile number (10 digits).
• We’ll authenticate you by sending a one-time password via SMS to your registered mobile number. We’ll never ask for your internet banking access code to share data with accredited providers.
• Once you’ve been identified, select the accounts that you want to share and have one last check of what you’ll be sharing.
• ME will securely share your data with the accredited data provider.

Yes, you can see who you’re sharing data with, and what type of data you’re sharing, using the data sharing dashboard.

For accounts accessed in ME Internet Banking or the ME Bank app:

• Once logged in, go to data sharing customer dashboard, select 'data sharing arrangements'.
• This will display an option to select active or inactive arrangements.
• All your active and expired sharing arrangements will be displayed. You can search for, and click on specific sharing arrangements, to find out more information.

Find out more about who you’re sharing data with.

For accounts accessed in the ME Go app:

• Once logged in, go to data sharing dashboard, and select ‘Sharing started by you’
• This will display an option to select active or inactive arrangements.
• All your active and expired sharing arrangements will be displayed. You can search for, and click on specific sharing arrangements, to find out more information.

Yes, you can choose to stop sharing data with an accredited provider at any time. You can do this by using the accredited provider’s service or through the data sharing dashboard.

Before you decide to stop sharing your data, ME encourages you to check out the accredited provider’s policy on deleting or de-identifying your data and how this may affect you. If you want your data to be deleted, you must make that choice before you stop sharing your data.

If you stop sharing your data and you change your mind, your data sharing cannot be reinstated. You’ll need to initiate the process again from the accredited provider’s website or app that you want to share your ME data with.

You can also choose to stop sharing data from arrangements you have consented to anytime by heading to the data sharing customer dashboard and select data sharing arrangements, then manage data sharing. Please note that once you have disabled data sharing, any existing arrangements in place will no longer be available.

To proactively disable data sharing on your joint accounts you can make this update in the data sharing dashboard:

• For accounts accessed in ME Internet Banking or the ME Bank app, by heading to data sharing arrangements, select the account, and disable data sharing.
• For accounts accessed in the ME Go app, by heading to accounts management, select joint accounts, select the account, and disable data sharing. 

You can only choose to share your banking data with third parties accredited by the Australian Competition and Consumer Commission (ACCC).

You can find more information on the current list of accredited providers on CDR site here.

Once you create a consent and share your data with an authorised representative, this information will be visible for you in the data sharing customer dashboard:

• For accounts accessed using ME Internet Banking or the ME Bank app, next to each consent it will show the start and expiry dates and which accounts you have selected. These can be cancelled at any time.
• For accounts accessed using the ME Go app, next to each consent, click the icon to view more details, then expand the Key dates section.

Changes to account settings such as disclosures and notifications can only be updated by you.

To make these changes:

• For accounts accessed using ME Internet Banking or the ME Bank app, go to the data sharing customer dashboard, and select account settings. Here, you will see options you can select for each account.
• For accounts accessed using the ME Go app, go to the data sharing customer dashboard, and select Sharing started by you, and click the icon next to each consent to view more details. Here, you will see options you can select for each account.

If you need assistance, please contact our team and we can walk you through this.

If your joint account is set to 'sharing enabled', any account holder can consent to share the account.

When this occurs, all account holders will be notified.

• For accounts accessed using ME Internet Banking or the ME Bank app, account holders will be notified via an email in Internet Banking.
• For accounts accessed using the ME Go app, account holders will be notified via email or text.

If you do not wish for your joint account to be shared, you can disable data sharing.

• For accounts accessed using ME Internet Banking or the ME Bank app, you can do this via the data sharing customer dashboard, account settings menu.
• For accounts accessed using the ME Go app, you can do this via the data sharing customer dashboard, accounts management menu.

All account holders must be over 18 years old in accordance with CDR legislation.

All new accounts are set to 'sharing enabled'. This means that if one account holder gives permission to share data, you will not need to be asked to approve the request. If you would like to make a change to this:

• For accounts accessed using ME Internet Banking or the ME Bank app, you can do this via the data sharing customer dashboard, select account permissions, and change your preference on one or all of your joint accounts.
• For accounts accessed using the ME Go app, you can do this via the data sharing customer dashboard, accounts management menu.

When you log in to the data sharing dashboard, you can select from the following options:

• Enable Data Sharing (default)
• Sharing Disabled

You will be notified when another joint account holder performs an action that impacts your account. 

For accounts accessed using ME Internet Banking or the ME Bank app, you are unable to stop them; however, you can change how often you receive them. Log in to the data sharing customer dashboard and choose from:

• Immediately
• Weekly
• Monthly

There are certain notifications we need to send you instantly; these preferences will not stop those notifications from being sent to you.

For accounts accessed using the ME Go app, you can disable your notifications in the data sharing customer dashboard, notification management menu. If you turn off notifications you will not be alerted when a consent provided by another account holder including joint account(s) is created, amended, expires or is revoked. You will also not be alerted when another joint account holder stops data sharing for a joint account you included in an arrangement. We will still alert you when all data sharing has been disabled for your joint account(s).

Unfortunately, no, you will not be able to share any data related to the disabled account. Any existing arrangements will not share data related to the data sharing disabled account.

All account holders must approve requests to enable data sharing on an account. When a request is made to enable sharing, the other account holders are notified and have 7 days in which to approve the request otherwise the request will expire.

If one of the account holders has made a request to enable sharing on your joint account, you will receive a notification.

• For accounts accessed using ME Internet Banking or the ME Bank app, account holders will be notified via an email in Internet Banking. Go to the data sharing dashboard and view the data sharing requests menu.
• For accounts accessed using the ME Go app, account holders will be notified via email or text. Go to the data sharing dashboard and view the sharing started by others menu.

Preferences for disclosure and notifications are only options on joint accounts.

A secondary user is someone else who has approved account privileges to the account, such as an authorised third party or a secondary card holder.

As an account holder, may create a secondary user instruction that will allow the secondary user to share account-related data via Open Banking.  Only if a secondary user instruction is created can the secondary user share your account data via Open Banking.  It is an opt-in process.

For accounts accessed using ME Internet Banking or the ME Bank app, if your account has a secondary user, you can add the instruction in the data sharing dashboard by viewing Account Settings > then selecting the account you wish to apply the secondary user instruction > select Enable secondary users > then select the secondary user you wish to enable for the account.

For accounts accessed using the ME Go app, you can add the instruction in the data sharing dashboard by viewing Accounts management > Secondary users.

Secondary users only appear in the customer data sharing dashboard if your account has a secondary user.  To have a secondary user your account must have an authorised third party or a secondary credit card.

For accounts accessed using ME Internet Banking or the ME Bank app, to disable a secondary user instruction, log on to the customer data sharing dashboard using your Internet Banking login and the one-time password that will be provided.

If your account has a secondary user instruction, you can remove the instruction by viewing Account settings > then selecting the account you wish to remove the secondary user instruction from > select Disable secondary users > then select the secondary user you wish to disable for the account.

For accounts accessed using the ME Go app, go to accounts management menu, secondary users screen.

If a secondary user creates or cancels arrangements on your account, you will receive an email notification:

• For accounts accessed using ME Internet Banking or the ME Bank app, you will receive an email to your personal email registered on your account. This will direct you to log in to Internet Banking for more details under the messages section.  All joint account holders will receive the same notifications.
• For accounts accessed using the ME Go app, account holders will be notified via email or text.

For accounts accessed using ME Internet Banking or the ME Bank app, joint account holders will receive a notification in their personal email and secure mail when a new secondary user instruction is created for their account or when a secondary user shares or cancels an arrangement on their account.

For accounts accessed using the ME Go app, joint account holders will be notified via email or text.

If you disable a secondary user instruction, any existing arrangement will no longer share data. If the secondary user was re-enabled then the existing arrangement would then begin to share data again.

To be nominated, the individual must also an authorised representative on the account and have internet banking access to the business accounts.

A nominated representative can be authorised for data sharing as part of the account opening process which can be found on our website when adding signatories or by submitting a change of details form.  You can request this from us by calling 1300 658 108 Monday to Friday 9am–5pm (AEST/AEDT) or email businessadmin@mebank.com.au.

Nomination to share can be revoked using the change of details form.  You can request this from us by calling 1300 658 108 Monday to Friday 9am–5pm (AEST/AEDT) or email businessadmin@mebank.com.au

When an authorised representative is removed, we will also revoke their nomination to share data.

Note: Any arrangements to share that have been created prior to the nominated representative being revoked will continue. Contact us directly for these to be withdrawn.

Any arrangements to share that have been created prior to the nominated representative’s authorisation being removed will continue until they expire.  If you would like information on arrangements or to withdraw arrangements, call us on 1300 658 108 Monday to Friday 9am–5pm (AEST/AEDT) or email businessadmin@mebank.com.au
 

The nominated representative that created the arrangement may revoke at any time  using the ME Data Sharing Dashboard by using the Internet Banking ID they use to view the business accounts.

Account holders that did not create the arrangement may revoke it by contacting us on 1300 658 108 Monday to Friday 9am–5pm (AEST/AEDT) or emailing businessadmin@mebank.com.au

The account holder and nominated representative will receive an email notification when the nomination is complete, and the nominated representative can begin to share data.  There are no other customer notifications for non-individual data sharing. 

Non-individual data sharing is disabled by default. Within Open Banking non-individuals/organisations can authorise a Nominated Representative to share a business entity’s banking data with accredited service providers.