ME Go Terms of use
Me Go Deposit Accounts Terms and Conditions
ME Go Interest rates, transaction limits, fees & charges
Electronic Access Terms and Conditions
1. Interest rates are current as at 8am
20-Jan-2026 and subject to change. The above rates are based on interest paid at maturity.
Terms and conditions apply. Fees and charges may apply. This is general information only and you should consider if this product is right for you.
Rates are for deposits of $5,000 and greater. For any queries contact ME on 13 15 63.
You will get the interest rate that applies to your term deposit on the day your account is opened, as long as it is funded within 5 days of opening.
Deposits are protected by the Australian Government’s Financial Claims Scheme, up to $250,000 per person per authorised deposit-taking institution.
3. 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.
4. 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; and
If you don’t meet the above bonus interest condition you will receive variable base rate interest only, however in any month we may without notice waive the requirement for you to meet the condition.
4.60% p.a. is payable on balances up to $100,000.
4.60% p.a. is payable on balances between $100,001 to $1,000,000
0.05% p.a. is payable on balances >$1,000,000
Calculator information.
The Term Deposit Calculator calculates the approximate total interest earned in a term deposit based on the investment amount, term duration and interest rate (per annum) selected.
The calculator assumes that a year has 12 months of exactly equal lengths. Given some months are longer than others, actual interest earned will vary depending upon the month.
The actual duration of our terms are in calendar months, and the interest earned depends on the number of days the term deposit is open for.
The interest rates displayed are for amounts from $5,000 up to $2,000,000 and are based on the term duration and interest payment frequency selected.