Older products. 

These products are no longer offered to new ME customers. If you are an existing ME customer, you can still find important information like rates and fees by clicking learn more. 
ME Go app and digital services

Ways to bank with ME.

We keep things digital, so we can bring you low fees, high returns and 24/7 services.  Check out our apps and services today.

Learn more about the ways to bank with ME

Your money’s safe with ME.

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:

Lost your card?

You can temporarily lock your card in the mobile 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.

BOQ backed.

ME’s the small bank with big backing from BOQ Group (Bank of Queensland, Virgin Money). 

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. 
  • 5.55% p.a. is payable on balances up to $100,000.
  • 3.00% p.a. is payable on balances between $100,001 to $1,000,000
  • 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. Online Savings Account (OSA) Variable Bonus Interest terms and conditions.

To receive bonus interest on your OSA for any calendar month you must have a ME Everyday Transaction Account (ETA) and during that month you make at least four tap & go™ purchases with your ETA debit Mastercard® which are settled by us with the relevant merchant. 

Your OSA(s) and ETA(s) must be in the same name (sole name accounts) or names (joint name accounts) for you to be eligible for bonus interest. 

Bonus interest is only payable on balances up to $250,000 on each OSA you open. 

You’re automatically eligible for bonus interest on each of your OSAs unless they were opened before 10/08/15, in which case you’re only eligible for bonus interest upon request from the date of the request. 

Purchases made in a calendar month which are settled by us in the next calendar month (for reasons beyond our control) do not count towards the four card purchases needed in the calendar month, but will contribute to the next calendar month’s count. If, on the day you close your OSA, there have been purchase transactions at the time of closure which have not yet been settled by us, these will not be eligible purchases for bonus interest. 

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. We may change or withdraw the bonus interest offer at any time.

Terms, conditions, fees and charges apply. This is general information only and you should consider if these products are right for you.

Interest rates are current as at 8am 14-Apr-2024 and subject to change.

5. The above rates are based on interest paid at maturity for terms up to 12 months and interest paid annually and at maturity for terms greater than 12 months.
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