Three steps to fatter savings.

On top of the healthy base rate, you could qualify for the Online Savings Account’s delicious variable bonus rate – every month. Follow these three simple steps to get your bonus.

1.30% p.a.1 variable base rate.

1. Open your accounts.

Open both your first ME Online Savings Account and an Everyday Transaction Account.

1.55% p.a.​variable bonus rate.

2. Tap & go™ weekly.

Make a weekly tap & go payment with your Everyday Transaction Account debit card.2

2.85% p.a.​variable base + bonus rate.2

3. Get paid.

At the end of the month, get a fat  2.85% p.a. on your Online Savings Account. That's a variable base rate plus a great variable bonus rate for balances up to $250,000.

Why go full fat?

Ongoing interest with no commitment – who says dreams don’t come true?


With no account-keeping fees, your cash stays right where it should.


Keep it casual – save as much or as little as you like, with no penalties.


Our bonus rate isn’t an introductory offer – just keep qualifying to get your extra savings.


See how fast we’ll get you there if you take out our Online Savings Account and Everyday Transaction Account and tap & goweekly.)

You'll need to save $0.0 with our 3.05% p.a.* Online Savings Account Bonus variable rate1. Conditions apply.


Apply now

You’ll need to have

• about 5 minutes
• your driver’s licence or passport
• your tax file number (optional)

You’ll need to be

• at least 16 years old
• an Australian citizen, permanent
resident or resident for tax purposes

What happens next

If we can verify you online, your account will open instantly – you can start earning interest today.

Help & support.

Deposit money.

You can make deposits whenever you like by transferring money from another account.

Depositing money

Withdraw money.

Transfer funds to your nominated account any time via internet banking.

Transfer money

Online banking.

Our mobile app is great for banking on the go. Get it free from the App Store or Google Play.

Online banking


A bank account that knocks out ATM fees.3

Everyday Transaction Account


Simple life hacks to grow your stash of personal cash.

Save for anything


Get schooled, with ME’s online school of money.

Get learning

The legal stuff.

The legal stuff.

Online Savings Account terms and conditions
Everyday Transaction Account terms and conditions
Fees and charges guide

1. Interest rate is current at 24-Feb-2018 and subject to change.
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 make a weekly purchase with your ETA debit Mastercard® using tap & goTM. Bonus interest is only payable on balances up to $250,000 on the first OSA you open. You’re automatically eligible for bonus interest on your first OSA unless it was opened before 10/08/15, in which case you’re only eligible upon request. If you don’t meet all of these bonus interest conditions you’ll 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.
3. Free ATM access terms and conditions.
Open your new Everyday Transaction Account & receive a refund on fees incurred at all ATMs in Australia within 30 days of the transaction. We may change or withdraw this offer at any time.
Terms, conditions, fees and charges apply.
This is general information only and you should consider if these products are appropriate for you.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Savings Calculator Information:

The results from this calculator are indicative only and shouldn’t be used for financial planning purposes. The calculation is based on the information input by you and assumes you qualify for the OSA bonus interest rate each month, the interest rate doesn’t change, you deposit the daily required savings each day and interest is calculated and paid in accordance with the OSA terms and conditions. This is general information only and you should consider if these products are appropriate for you.