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; and
- to the balance of your HomeME account up to $1,000,000.
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4.85% p.a. is payable on balances up to $100,000.
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2.85% p.a. is payable on balances between $100,001 to $1,000,000
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0.05% p.a. is payable on balances >$1,000,000
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.
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.
You can withdraw cash or check your account balance at BOQ ATMs fee-free, however, other ATM owners may charge you a fee. Within Australia, any ATM fees should be displayed on the ATM screen before you proceed with the transaction.
Locate your nearest BOQ ATM.
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
19-Jul-2025 and subject to change.
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