SpendME card plant

Make yourself at home with up to 5.55% p.a.2 interest.

A HomeME home deposit savings account helps you stash cash and smash your saving goals. It comes bundled with a SpendME Transaction Account, which helps you earn bonus interest on your savings by:
  • Depositing at least $2000 into your SpendME Transaction Account every month and;
  • Growing your saved balance in your HomeME account (excluding interest) by making regular contributions.
Learn more about bonus interest criteria.

Smarter features to Go.

The new ME Go banking app is full of helpful features to help you get the most out of your money.

Manage joint accounts.

Co-manage joint accounts from within the app.

Stay on budget.

Set budgets on categories like shopping or take-out.

Supercharge your savings.

Hit your savings goals sooner with personalised insights and goal tracking.

Round ME up.

Top up your savings with every tap (and without a thought) thanks to Round Ups.

Scan ME qr code

Get Go’ing in 5 minutes.

ME Go is app only, so you won’t need access to ME’s internet banking system. The ME Go app is compatible with smartphone devices running iOS 14.0+ and Android™ 8.0+.

  

 

 

Take a great rate home.


Take a great rate home.


Balance
up to

Base + Bonus Interest variable rate % p.a.

Base variable rate % p.a.

$0 - $100,000 5.55% 0.55%
$100,000 to $1,000,000 3.00% 0.55%
> $1,000,000 N/A 0.55%

Now… about that bonus on home savings deposit?

Month by month, we’ll help you stay on track to save for a home deposit through bonus payments. Here’s how:

Month 1 (e.g. January).
During the month, you deposit at least $2000 into your SpendME transaction account and grow the balance in your HomeME savings account (excluding interest). By doing this you’ve unlocked the bonus interest rate for next month.

Month 2 (e.g. February).
ME calculates interest daily based on the closing balance in your HomeME account each day.

Month 3 (e.g. 1st March).
ME pays your bonus interest into each HomeME savings account on the first day of the month.

First Month.
To help you get started on reaching your savings goals, you'll start earning Bonus Interest straight away after opening your HomeME account (for new customers only). To continue to earn Bonus Interest each month, you'll need to meet the above Bonus Criteria.

Now… about that bonus on home savings deposit?

Month by month, we’ll help you stay on track to save for a home deposit through bonus payments. Here’s how:

Month 1 (e.g. January).
During the month, you deposit at least $2000 into your SpendME transaction account and grow the balance in your HomeME savings account (excluding interest). By doing this you’ve unlocked the bonus interest rate for next month.

Month 2 (e.g. February).
ME calculates interest daily based on the closing balance in your HomeME account each day.

Month 3 (e.g. 1st March).
ME pays your bonus interest into each HomeME savings account on the first day of the month.

First Month.
To help you get started on reaching your savings goals, you'll start earning Bonus Interest straight away after opening your HomeME account (for new customers only). To continue to earn Bonus Interest each month, you'll need to meet the above Bonus Criteria.






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 HomeME 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 with accounts you access via Internet Banking, please note these 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 HomeME 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.
SpendME cards

We’re making spending feel good with SpendME.

SpendME is the everyday transaction account doing good every time you tap your digital wallet, with 1c donated to the charity connected to your card. And the best bit? The donations are all on ME.

SpendME also has no account-keeping or international transaction fees, and when bundled with a HomeME savings account, it helps you earn easy bonus interest on your home deposit goal.

Find out more about SpendME
SaveME savings bundle jar

Get a savings boost of up to 4.25% p.a.1 interest.

Get a savings boost with our SaveME account bundle, featuring a savings account and a linked SpendME transaction account. You can spend, save and earn 4.25% p.a.interest when you make four settled card transactions each month. Talk about taking control of your financial future.

Find out more about our SaveME

 
ME educational resources couch

Sit back and take notes from ME.

Saving for a house deposit may seem tough but ME is here to help you with educational resources packed with valuable information and practical advice.

ME keeps you on track to grow your home loan savings account balance by coaching you through the journey. Ready to reach your homeowner goals sooner?
 

Feel Safe with ME.

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:

Savings kept safe.

With one-time pins and biometric logins, your money’s always protected by a swipe or a smile.

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.

BOQ backed.

In 2021 ME became part of the Bank of Queensland Group (BOQ), another homegrown Australian bank with the same customer-first values.

FAQ

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.


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  30-Nov-2023 and subject to change.

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

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Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
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