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Save yourself money, time and effort with ME's goal-oriented savings account, packed with smart features. Exclusive to the ME Go banking app.
SaveME
Savings Account.
Save yourself money, time and effort with ME's goal-oriented savings account, packed with smart features. Exclusive to the ME Go banking app.
Tap into bonus savings with
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4.25 % p.a.1 interest from ME.
Bundle your SaveME Savings Accounts with a SpendME transaction account to earn bonus interest and reach your goals sooner by meeting the simple monthly criteria:
- Make at least four Visa Debit card purchases per month – which must be settled, not pending – using your linked SpendME account.
- Bonus interest applies to balances up to $500,000.
Got multiple goals?
Get multiple savings accounts.
Whether you’re saving for Rome, renos or rainy days, you can create savings accounts for each of your life goals – and name each of them.
*Our
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4.25% p.a.1 interest rate applies to balances up to a combined balance of $500,000 on all SaveME accounts when you meet the bonus rate criteria.
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Saving and
budgeting just
got personal
with SaveME.
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Meet the tools designed to help you spend
and save better.
ME N Item - 4 Col (c#) Keep ‘em separated (your savings goals)
Open up to nine online savings accounts and name them after goals to keep you motivated.
Stay on budget.
Set spending limits on categories like groceries or going out.
Supercharge your savings.
Hit your savings goals sooner with personalised insights and goal tracking.
Round ME up.
Top up your savings with every tap (and without a thought) thanks to Round Ups.
SpendME and do good with every tap.
When you open a SaveME savings account, you’ll also get a SpendME transaction account with a card that donates 1c to an aligned charity every time you tap.
Learn more about SpendME
Go home sooner with up to
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5.55% p.a.2 interest.
HomeME is the savings account specifically designed to help you save for a home deposit. It’s a savings account with a linked transaction account where you can earn up to
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5.55% p.a.2 interest on savings by meeting the simple monthly criteria. Get in the front door of your first home sooner with ME.
Find out more about HomeME
ME Go is app only, so you won’t need access to ME’s internet banking system. The ME Go app is compatible with smartphone devices running iOS 14.0+ and Android™ 8.0+.
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Now...about that savings account bonus?
Ditch the piggy bank and get your savings account working for you. Here’s an example of how you can earn interest on your savings.
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.
First Month.
To help you get started on reaching your savings goals, you'll start earning Bonus Interest straight away after opening your SaveME account (for new customers only). To continue to earn Bonus Interest each month, you'll need to meet the above Bonus Criteria.
Now...about that savings account bonus?
Ditch the piggy bank and get your savings account working for you. Here’s an example of how you can earn interest on your savings.
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.
First Month.
To help you get started on reaching your savings goals, you'll start earning Bonus Interest straight away after opening your SaveME account (for new customers only). To continue to earn Bonus Interest each month, you'll need to meet the above Bonus Criteria.
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Get Go’ing in 5 mins.
ME Go is a mobile banking app only, so you won’t be able or need to use ME’s internet banking system.
Want to apply online from this device instead?
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Get started online
On a desktop?
Grab your phone and scan the QR code (we’re all experts in this now). Download the banking app and apply for an account easily today.
App Store.
Grab your phone search for ME GO in the App Store. Compatible with smartphone devices running iOS 14.0+.
Google Play.
Grab your phone search for ME GO in Google Play. ME Go banking app is Compatible with smartphone devices running Android™ 8.0+.
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Things you should know.
Things you should know.
Our SaveME account is only available on the ME Go app and can't be accessed via Internet Banking.
If you're already a ME account holder with accounts you access via Internet Banking, please note these accounts aren't accessible from the ME Go app. We’re working towards moving our current range of products over for customers and will be communicating that exciting journey to you in more detail soon. We have a whole page that explains this in more detail if you’d like to
learn more.
To open a ME Go account, you’ll need to be:
- over 14 years of age.
- an Australian resident with an Australian residential address.
- The account holder (applications cannot be completed and submitted by an Executor/Administrator/Power of Attorney/Legal Representative).
- Opening the account for personal use.
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Your money’s safe with ME.
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Not only does our system constantly monitor your card to help prevent fraudulent behaviour, we’ve got loads of other security measures in place to help protect you:
ME N Item - 3 Col (c#) Lock lost cards.
You can temporarily lock your card in the ME Go app if you think you may have misplaced it (or it’s in your pocket... again).
Government guarantee.3
Your money is protected by the government guarantee, with up to $250,000 per person covered by the government’s Financial Claims Scheme.
Savings made safe.
One-time pins and biometric logins mean your hard-earned savings are always protected by a swipe or a smile.
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How much does it cost to open a bank account?
It's absolutely free to open a SaveME account, with no account opening or account keeping fees. However, you must be at least 14 years of age or older and have valid identification to open an account with ME Go.
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What is a savings account?
A savings account is a bank account where you can deposit your money and earn interest. It is a great way to save money, especially if you're saving towards a goal like a holiday, new laptop or house deposit.
With a SaveME account, you'll be able to round up payments directly into your savings account, track upcoming bills and so much more!
To have a better idea of what savings account is right for you,
compare ME’s range of high interest savings accounts.
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How to calculate savings interest?
Interest is calculated from the day funds are credited to your account. It is calculated daily by applying the applicable interest rate to the closing balance of your account each day as follows:
Daily closing balance x interest rate (per annum)
------------------------------------------------------
Number of days in the year (365 or 366 days)
We will credit interest to your account at the close of business on the last day of each calendar month. The interest credited to your account will only be included in the closing balance from the first day of the next calendar month.
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How to open a savings account?
To open a SaveME savings account, all you need to do is download the ME Go app from
App Store and
Google Play Store, sign up, provide all the required information and then start using your account!
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How to save money?
A great way to get started with saving your money is finding the right savings account and then start budgeting! With a SaveME account, you get access to the ME Go app, which we've packed with a bunch of features to supercharge your savings. To learn more about what the ME Go app can do,
find it here.
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How does a savings account work?
When you open a savings account, you deposit money into your account. In return for depositing your money, your savings balance will build up interest each day and we'll pay it to you at the end of the month. So in other words, we'll pay you interest just for saving your money! To learn more about our rates, see
here.
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What are the benefits of having a savings account?
Savings accounts are a great way to save money for short-term and long-term goals. Whether you have a big purchase coming up, or are just saving for a rainy day, having the right savings account for you could help build your savings.
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Does ME Go support joint accounts?
Yes, you can open a joint transaction account through the ME Go app. After completing the application we'll send a message to the other party and the account will be opened once they have provided their details.
Important to know that all applicants must complete formal identification before the account can be opened.
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Are there any monthly account keeping fees?
No. We don't charge you monthly fees on SpendME transaction accounts or any other account on ME Go. For details on any other fees that might apply, you can check them out
here.
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How do I qualify for bonus interest with me SaveME account?
For the SaveME account, you need to make four settled card transactions in a month on your linked SpendME transaction account.
Bonus interest is paid on the total balance of all SaveME accounts that are held in the same name. The amount of bonus interest you will earn is determined by the balance in your account. Bonus interest will only be paid for combined balances up to $500k.
To help kickstart your savings, you will earn bonus interest in your first month with ME. Just make sure you meet the bonus interest criteria before the end of the month to continue earning it in the following month.
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The legal stuff.
The legal stuff.
1. SaveME Account Bonus Interest terms and conditions.
The Bonus Interest Rate applicable to your SaveME Account will apply:
- For each calendar month where you made four or more card transactions in the previous calendar month using the Visa debit card linked to a SpendME account in the same name (sole name account) or names (joint name accounts) as your SaveME account. Transactions that are pending do not count as a transaction for the previous calendar month and will be counted in the following calendar month; and
- To the combined balance of your SaveME accounts up to a maximum combined SaveME account balance of $500,000.
If you don’t meet all of these bonus interest conditions you will receive variable base rate interest only, however in any month we may without notice waive the requirement for you to meet all of these conditions.
2. HomeME Account Bonus Interest terms and conditions.
The Bonus Interest Rate applicable to your HomeME Account will apply:
For each calendar month where:
- A minimum of $2,000 was deposited into your SpendME account in the previous calendar month from an External Account. The SpendME account to which money is deposited must be held in the same name (sole name account) or names (joint names account) as your HomeME account;
- The closing balance of your HomeME account on the last day of the previous calendar month was higher than the closing balance of your HomeME account on the last day of the calendar month before that (excluding interest paid by ME or any adjustments processed by ME)
- to the balance of your HomeME account up to $1,000,000.
-
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5.55% p.a. is payable on balances up to $100,000.
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3.00% p.a. is payable on balances between $100,001 to $1,000,000
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0.55% p.a. is payable on balances >$1,000,000
If you don’t meet all of these bonus interest conditions you will receive variable base rate interest only, however in any month we may without notice waive the requirement for you to meet all of these conditions.
3. Government guarantee.
Deposits are protected by the
Australian Government’s Financial Claims Scheme, up to $250,000 per person per authorised deposit-taking institution.
4. ATM operators.
Some ATM operators may charge a fee for transactions using your Visa Debit card to access your account.
5. Savings calculator information.
The results from this calculator are indicative only and shouldn’t be used for financial planning purposes. The calculation is based on the information input by you and assumes you qualify for the SaveME bonus interest rate each month, the interest rate doesn’t change, you deposit the daily required savings each day and interest is calculated and paid in accordance with the SaveME terms and conditions.
Terms, conditions, fees and charges apply. This is general information only and you should consider if these products are right for you.
Interest rates current as at
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16-Apr-2024 and subject to change.
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