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Exclusive to the ME Go app, SpendME gives you instant payments, no international transaction fees and supports 5 different charities. Get Go’ing in 5 minutes today.
SpendME Everyday
Transaction Account.
Exclusive to the ME Go app, SpendME gives you instant payments, no international transaction fees and supports 5 different charities. Get Go’ing in 5 minutes today.
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Good spending starts with SpendME.
Sign up to a SpendME Transaction Account and you can say sayonara, adios and arrivederci to international transaction fees. Plus, every time you tap your SpendME digital card, we donate 1c to charity. Feel good knowing you’re doing the right thing and feel better knowing ME donates on your behalf. And of course, SpendME has no account-keeping fees.
Learn more about our charities.
More features than a rap album.
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Spending is an everyday part of life, which is all the more reason to get more out of an everyday bank account with every transaction.
No monthly account keeping fees.
ME supports digital wallets and wearables for Apple, Google and Samsung devices. Pay securely anywhere, anytime – and forget your wallet on purpose.
No international transaction fees.
Say adios and au revoir to foreign transaction fees from ME when you spend or withdraw cash overseas.
Osko and PayID.
Send and receive money instantly to and from your SpendME account with just a phone number or email. Bye bye BSB's and account numbers.
A total in-app experience.
Squeeze a whole bank into your pocket. And an all in-app experience means no more internet banking on desktops. It’s all in your hands.
Ditch international fees for good.
Say adios, arrivederci and au revioir to international transaction fees when you travel abroad with SpendME. That means not getting slugged with extra charges for purchases made overseas. Save those dollars, dong and dineros for your holiday!
With A SpendME Transaction Account, you'll also get:
- $0 account keeping fees
- $0 ATM fees at over 10,000 locations, no need to pay money to get money.4
Budgeting tools that help you spend smarter.
Spending Tracking – Gives you a snapshot of what you’re spending on fast food or fashion to see where you can reign it in.
Bill Tracker – Never pay a bill late again with this handy tool that alerts you to upcoming bills so you can budget accordingly.
Meet our charity partners.
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Good causes that you can support with every digital tap.
Learn more
For 10+ years, ME’s supported the National Breast Cancer Foundation and raised $2m+ for research through our pink debit card.
Find out more
ME’s partnered with Minus18 to support LGBTQIA+ youth and transform communities through education, training and resources.
Find out more
ME supports conservation efforts by the Australian Wildlife Conservancy, giving hope to our nation’s wildlife and their habitats.
Find out more
ME partners with Orange Sky to provide Melbournians experiencing homelessness with warm showers, clean clothes and conversation.
Find out more
ME supports Beyond Blue’s 24/7 support service so Australians can speak with a trained mental health professional at no charge.
Find out more
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?
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+.
Things you should know.
Things you should know.
Our SpendME 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, you can access these accounts via Internet Banking, but please note your 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.
Bundle your accounts.
Smash your Go'als.
Whether you want to budget like a boss, or save for a home (or anything else), there’s a savings account for everyone in the ME Go Banking app. Bundle your savings accounts with a SpendME Transaction Account to help you get more from your money, all conveniently on the Go.
Hit your next goal sooner with our highest interest savings account.
Whether your next big savings goal is a new home deposit, a holiday or a car, our high interest HomeME Savings Account can help with up to
5.55% p.a.2 bonus interest when you meet the monthly criteria.
Find out more about HomeME
Get a savings boost of up to
4.25% p.a.1 interest.
Get a savings boost with a SaveME account bundle, featuring a Savings Account and a linked transaction account. You can spend, save and earn
4.25% p.a.1 interest when you make four settled transactions each month using the Visa Debit Card linked to your SpendME account held in the same name. Talk about taking control of your financial future.
Find out more about SaveME
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:
Lost your card?
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.
Your savings’s safe with ME.
One-time pins and biometric logins mean your hard-earned savings is always protected by a swipe or a smile.
What are the charities that the SpendME account supports?
ME Bank currently has 5 different colours and charities that you can support with your SpendME account.
These include:
- Pink, which supports the National Breast Cancer Foundation
- Rainbow, which supports LGBTQIA+ youth with Minus 18
- Blue, which supports mental health awareness with Beyond Blue
- Green, which supports environmental conservation with the Australian Wildlife Conservatory
- Orange, which supports homelessness help with Orange Sky
What is a transaction account?
A transaction account is a type of bank account used for daily transactions such as depositing and withdrawing money, paying bills, and transferring funds.
What does pending transaction mean on my bank account?
A pending transaction on a bank account means that a transaction has been authorised by the account holder, but it has not yet been processed to the account.
This can occur when a merchant or service provider has obtained authorisation to charge the account, but has not yet completed the transaction. This is usually why you'll see a pending transaction right after you've paid for a good or service.
How to open a transaction account?
Simply download the ME Go app from the
App Store and
Google Play Store and follow the instructions. If you’re opening a joint account, 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.
Is a SpendME account the same as an Everyday Transaction Account?
No. The SpendME account is a brand-new transaction account available exclusively on the ME Go banking app. To access an existing Everyday Transaction Account please use the ME Bank app or Internet Banking.
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.
Can I open a business account?
No. Our transaction and savings accounts are for personal use only.
Are there any monthly account keeping fees?
No. We don’t charge you monthly fees on any of our ME Go accounts. For details on any other fees that might apply, you can check them out our
account fee page here.
Are there any ATM fees?
With a SpendME transaction account, you can access the following ATMs fee free:
- Over 2,100 atmx by Armaguard ATMs, our preferred ATM network
- All BOQ Branch ATMs
- The major four banks’ ATMs in Australia (Commonwealth Bank, NAB, ANZ, Westpac)
If you are traveling overseas, you can also access the following too:
- No international ATM Fees (for balance enquiry and withdrawal)
- No foreign currency conversion fees
ME won’t charge you a fee to withdraw or make an enquiry at an ATM overseas, however the ATM owner may charge you a fee which should be displayed on the screen. You can check out our
full list of fees here.
Are there international transaction fees?
With a SpendME transaction account, you can travel overseas without worry with:
- No international ATM Fees (for balance enquiry and withdrawal)
- No foreign currency conversion fees
ME won’t charge you a fee to withdraw or make an enquiry at an ATM overseas, however the ATM owner may charge you a fee which should be displayed on the screen. You can check out our full list of fees
here.
Can I use my SpendME account as an offset account for my ME home loan?
Not at this time. To find out more about our offset account options please call ME on
13 15 63.
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. ATM operators.
Some ATM operators may charge a fee for transactions using your Visa Debit card to access your account.
With a SpendME transaction account, you can access the following ATMs fee free:
- Over 2,100 atmx by Armaguard ATMs, our preferred ATM network
- All BOQ Branch ATMs
- The major four banks’ ATMs in Australia (Commonwealth Bank, NAB, ANZ, Westpac)
If you are traveling overseas, you can also access the following too:
- No international ATM Fees (for balance enquiry and withdrawal)
- No foreign currency conversion fees
ME won’t charge you a fee to withdraw or make an enquiry at an ATM overseas, however the ATM owner may charge you a fee which should be displayed on the screen. You can check out our
full list of fees here.
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
11-Oct-2024 and subject to change.
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