Get everything you need for day-to-day banking, all for a monthly account-keeping fee of $0 (that’s zero, zip, nada).

ATM refunds.

Use any ATM, anywhere in Australia, and we'll refund your ATM fees usually within 5 minutes1.


Banking with zero monthly account-keeping fees. You earned it, you spend it.


It’s your money; we won’t tell you what to do with it. Say yes to convenience, no to obligations.


Use any ATM, anywhere in Australia.

Find ATMs


Open an Online Savings Account with your Everyday Transaction Account and you could earn a bank-load of bonus interest.2

Online Savings Account


Mastercard® Identity CheckTM gives you added protection against online fraud, so the only steals will be the bargains.

Learn more

Facts & fees.

Open an account.

Here’s how to open a bank account online with ME – in just 5 minutes.

Open now

You’ll need to have

  • about 5 minutes
  • your driver’s licence or passport

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
  • opening an account for personal use

What happens next

If we can verify you online, we’ll instantly open your new Everyday Transaction Account and pop your card in the mail.

Don't take our word for it.

Money Minder of the Year award

Money Magazine Awards 2019

The Money Minder of the Year award recognised ME as the best place to stash your cash.

Canstar 5-star Rating 2018

Canstar 5-star Rating 2018

Our Everyday Transaction Account earned ME a 5-star Canstar rating for outstanding value.

Money Minder of the Year award

Money Magazine Awards 2018

The Money Minder of the Year award recognised ME as the best place to stash your cash.

Help & support.

Card lost or stolen?

You can stop your card instantly using internet banking.

Stopping your card

Move your money.

Wondering how to use your Everyday Transaction Account? We got you.

Depositing & withdrawing

Activate your card.

Get it done online in seconds, so you can get to working that plastic.

Get activated


Your Debit Mastercard® works in over 200 countries, so you’ll be looked after wherever you go (transfer fees apply).

You & ME abroad


Hone your finance skills with Ed, the online school of money that’s fast and free.

Get schooled


Feel like you’re never getting ahead financially? Try these budget hacks.

Real-life budgeting

The legal stuff.

The legal stuff.

Everyday Transaction Account Terms and Conditions
Fees and charges guide
Online Savings Account 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.

Government guarantee

Your total deposits in ME are protected up to a limit of $250,000. This protection is provided as part of the Financial Claims Scheme (FCS), which is an Australian Government scheme that provides protection and quick access to deposits in banks, building societies and credit unions in the unlikely event that one of these financial institutions fails. For more information about the FCS go to www.fcs.gov.au

Award info

Money magazine, Money Minder of the Year is awarded to the provider most likely to have an account that delivers value for money and includes personal transaction accounts, children’s accounts, regular saver accounts, online saving accounts and term deposits

Canstar ranks transaction accounts based on value-for-money measures and then awards a star rating according to rank. The top accounts will be awarded a five-star (or outstanding) rating. ME was awarded a 5-star rating in the following categories: Low Transactor – requires full access to the account including ATM, EFTPOS and BPAY and conduct an average of 10 transactions per month; and High Transactor – requires full access to the account including ATM, EFTPOS and BPAY and conduct an average of 35 transactions per month.

Mozo Bank of the Year award: Mozo recognised ME as the most successful bank over the last 12 months. Having picked up awards for best value in home loans, credit cards, savings accounts and term deposits, ME was found to have the widest range of highly-ranked products of any bank.

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.