Have a card in 5 minutes (not 5 days).

Open an Everyday Transaction Account and add your Buck card to your digital wallet in 5 minutes flat. 

Pay securely using your favourite device anywhere, anytime. Purchases made in-store using your Everyday Transaction Account on your digital wallet device count towards your four tap & goTM purchases, and are required to receive bonus interest on your Online Savings Account, so you can get tapping right away.
Shark blue grey

Colour code your cash - with the 5 colours of money.

ME's Buck Everyday Transaction Account cards were inspired by the colours of Australian bank notes. Having different accounts in different colours helps you live within your means and keeps you on track for your goals.

So whether you're putting a lobster towards bills or shouting a round with a pineapple, Buck's vibrant colours make life easier.

$0 account-keeping fees

$0 account-keeping fees.

  • 0 account-keeping fees
  • 0 minimum deposits

0 is something worth celebrating with ME.

0 need for cash. 

Want to find out if your phone or wearable is compatible with ME Buck debit cards? Head to our digital wallets information page here. 

Learn more about digital wallets

ATM fee refunds

ATM fee refunds.

If you get hit with transaction fees at any Australian ATM, we'll refund it instantly. And that's not just other banks, we're talking service stations, nightclubs and convenience stores. The next sausage roll is on ME.  
Earn interest on your savings

Got 2 more mins?
Earn up to 2.20% p.a. interest on your savings.

If you open an Online Savings Account along with your Everyday Transaction Account, you could earn up to 2.20%p.a. on balances up to $250,000. To qualify, you’ll need to make at least four tap & goTM purchases per calendar month using your Everyday Transaction Account debit card2.

Learn more about the Online Savings Account.

Open an account in minutes.

It takes about 5 minutes to apply and add your card to your digital wallet.

Before you begin you’ll need to have

  • your passport, Australian driver licence or Medicare card
  • your Tax File Number (optional)

Concession card holder?

If you hold a Commonwealth Seniors Health Card, Health Care Card or Pensioner Concession Card our Benefit Everyday Transaction Account might be right for you.

Find out if you’re eligible.

You’ll need to be

  • at least 16 years old
  • an Australian citizen, permanent resident or resident for tax purposes with an Australian residential address

What happens next

In order to open an account within 5 minutes, we need to verify your identity including your address. Once verified we’ll instantly open your new Everyday Transaction Account and you can add your card to your digital wallet. We’ll also pop your physical Buck card in the mail.

If we cannot verify your identity online via our online verification tool, you will need to go to Australia Post and verify in person.

Open now

We’re on the Money (again).

Money Magazine awarded ME Money Minder of the Year as the best place to stash your cash in 2021…and 2020, 2019 and 2018.3

Facts & fees.

The legal stuff.

The legal stuff.

Everyday Transaction Account Terms and Conditions
Fees and charges guide
Online Savings Account Terms and Conditions
Electronic Access Terms and Conditions

1. Free ATM access terms and conditions
Open your new Everyday Transaction Account & receive a refund on fees incurred at all ATMs in Australia. We may change or withdraw this offer at any time.

2. 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.

3. Award notes
The Money Minder of the Year award recognised ME for being most likely to deliver value for money in term deposits and personal, children’s, regular saver and online saving accounts.

Government guarantee

Deposits are protected by the Australian Government’s Financial Claims Scheme, up to $250,000 per person per authorised deposit-taking institution.

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

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.