Get greedy with a ME savings stacker.

Open an Everyday Transaction Account alongside your Online Savings Account, and you could qualify for a bacon-making bonus rate.


Variable base rate

You’ll always get the variable base rate – no matter what.1



Variable bonus rate

Make at least four tap & go™ purchases per calender month with your Everyday Transaction Account debit card and you could also get this variable bonus rate. Purchases must be settled (not pending) within the calendar month to be eligible for bonus interest.



Total variable rate1

You’ll get this total rate for any month in which you tapped four times, on balances up to $250,000 for each Online Savings Account.

Save more with ME.

Here’s a few ways you can get more out of your money.

Fee free.

We don’t charge you money to hold your money. The way it should be.

Multiple accounts.

Saving for a few goals? You can get the same great rate on all of them (up to $250,000 on each account).

No withdrawal limits.

Access your money as you need it – whether it’s for bills, new shoes or other emergencies.

Savings calculator.

See how fast we'll get you there if you combine an Online Savings Account with Everyday Transaction Account and Tap & Go™ at least 4 times per month.

Your target is lower than the amount you have currently saved.
Your target is lower than the amount you have currently saved.

You could save

with our 1.80% p.a. Online Savings Account bonus variable rate. Conditions apply.

To reach your goal

with our 1.80% p.a. Online Savings Account bonus variable rate. Conditions apply.

To reach your goal

with our 1.80% p.a. Online Savings Account bonus variable rate. Conditions apply.

Open an account.

Open 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 12 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.

Why ME?

Australia loves ME – with over 500,000 Aussies getting more from their money with us – and we love Australia back, reinvesting in a range of ways.

Rock solid.

We’re owned by 26 of Australia’s leading industry super funds – and 100% of our profits go right back to their members.

National Breast Cancer Research Foundation

One in a million.

Between our Pink cards and the Mother’s Day Classic, we’ve helped raise over $1 million towards research for the National Breast Cancer Foundation.

Fossil free.

At ME, we don’t invest in fossil fuels, coal mining, coal ports, coal power, gas power or liquid natural gas plants – and we never will.

Don't take our word for it.

Finder Best Savings Account 2018

Finder Best Savings Account 2018

ME took out the finder Award for Best Savings Account with the best interest rate across the year.

Money Minder of the Year awards

Money Magazine Awards 2019

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

Mozo Experts Choice 2018 Online Savings Account

Mozo Experts Choice 2019

Mozo placed ME's Online Savings Account in the top 10% for delivering exceptional value or benefits to our customers.

Canstar Online Savings Account 5-star Rating 2018

Canstar 5-star Rating 2018

Our Online Savings Account earned ME a 5-star Canstar rating for outstanding value.

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

Interest rate is current at 29-Mar-2020 and subject to change.
1. 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.

2. Free ATM access terms and conditions.
Open your new Everyday Transaction Account & receive a refund on fees incurred at all ATMs in Australia usually within 5 minutes of the transaction. We may change or withdraw this 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

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.

Award notes
ME took out the Finder Award for Best Savings Account with the best interest rate across the year. It was the highest interest rate, taking into account the base rate and bonus rate, averaged across four quarters between September 2017 and June 2018

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

Mozo Experts Choice Award: The awards recognise products that deliver exceptional value or benefits to consumers. Judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity. Experts Choice Awards are awarded to the top 10% of products that meet the selection criteria in each awards category.

Canstar ranks savings 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: Flexible Saver – customers looking to maximize their savings with no restrictions. To be eligible, the account must offer a base rate of 0.50% or higher on a balance of $25,000; and Regular Saver - for more active savers who are willing to meet stricter conditions to achieve higher levels of interest. To be eligible the account must offer a total rate (base plus conditional bonus rate) of 1% or higher on a balance of $10,000.

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.