$0 account-keeping fees

$0 account-keeping fees.

  • 0 account-keeping fees
  • 0 minimum deposits

0 is something worth celebrating with ME.

ATM fee refunds

ATM fee refunds.

Get hit with a transaction fee for using an Australian ATM? We’ll refund it.
Colour code your cash multi coloured cards

Colour code your cash.

Having different accounts in different colours helps you live within your means and keep on track for your goals. And if you want to bank for a good cause, choose a pink Buck card - and we’ll donate 1 cent for every card purchase to the National Breast Cancer Foundation.

Earn interest on your savings

Earn up to 1.10% p.a. interest on your savings.

If you open an Online Savings Account along with your Everyday Transaction Account, you could earn up to 1.10%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.

Digital wallets on Android and Apple phone

Digital wallets have arrived.

Let’s forget physical – you can now pay securely using your favourite device anywhere, anytime. So you can forget your wallet on purpose next time.

Purchases made in-store using your Everyday Transaction Account on your digital wallet device count towards your four tap & go™ purchases required to receive bonus interest on your Online Savings Account, so you can get tapping right away.

Get started with digital wallets

Open an account in minutes.

It takes about 5 minutes to apply.

Before you begin you’ll need to have

  • your passport, Australian driver’s 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

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

Open now

Money Minder of the Year

Simply, the best.

We've taken out the top spot for Money Magazine's 'Best Everyday Transaction Account' in the 2021 Best of the Best Awards.

That's right better than all the rest.

Facts & fees.

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 notes
ME have won Best Everyday Transaction Account – Bank category for our Everyday Transaction Account. The methodology for this award ranking is based on the impact on a $5,000 balance of four ATM transactions per month, two counter withdrawals per annum, two phone banking calls per annum and any applicable fees.

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.