Offset Account | 100% Home Loan Offset

ME Bank

Home Loans

Linking an offset account.

The type of home loan you have with us will determine the type of offset account you will need.

Learn about linking an offset

Flexible Home Loan

As a Flexible Home Loan customer, you can link up to 8 Everyday Transaction Accounts to offset your variable rate home loan.

To link your Everyday Transaction Account, get in touch with us via internet banking or give us a call.

CompleteME

As a CompleteME Home Loan customer, you can link up to 10 SpendME Accounts to offset your home loan.

You can link these accounts when you open your home loan or anytime via the ME Go app.

Not a ME home loan customer?

If you don't have a home loan with ME and would just like to open an everyday account, then please open a SpendME Transaction Account. Please note that Everyday Transaction Accounts are only available to Flexible Home Loan customers.

Learn about SpendME.

An offset account that does good for your home. And your hood.

Link up to 10 SpendME Accounts to your variable rate CompleteME home loan and enjoy 100% interest offset.

Meaning less interest for you—and with every tap, ME donates 1c to charity. It’s money that works hard for your loan and your local community.
Learn more

Get offset to a great start with ME.

Exclusive to ME Flexible Home Loan customers, our Everyday Transaction Account can be linked as a 100% offset account.
Open now

Features.

There’s nothing everyday about our transaction accounts.

$0 account keeping fees

Nothing. Nil. Nada. All month every month.

Digital wallets.

It’s compatible with any Apple, Google and Samsung device.

Open in 5.

Get started and spending in just 5 minutes.

Open an account in minutes.

It takes approximately 5 minutes to apply and have your card ready to use in a digital wallet.

To open a ME Go account,
you’ll need to be:

over 14 years of age.
an Australian resident with an Australian residential address.
opening the account for personal use.
the account holder (applications cannot be completed and submitted by an Executor / Administrator / Power of Attorney / Legal Representative).

What happens next?

If we can verify you online, your account will open instantly – you can start using your account today.
If we cannot verify your identity online via our online verification tool, you will need to go to Australia Post and verify in person.

Important note:

To apply for an Everyday Transaction Account you will need to be:

an existing ME Flexible Home Loan customer
or in the process of applying for a ME Flexible Home Loan.

Good chat.

Have home loan questions? We offer a number of ways to get in touch with us for a high quality support, including a call centre located right here in Australia.

Join ME.

Want to find out more? Just let us know a few things about yourself and we will be in touch.

Enquire now

Talk to ME.

Monday to Friday 8am–8pm
Saturday 9am–5pm
(AEDT) Excluding public holidays.

1300 540 181

The legal stuff.

Terms, conditions, fees and charges apply. This is general information only and you should consider if these products are right for you.

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

Offset Accounts

Linking an offset account.

Flexible Home Loan

CompleteME

Not a ME home loan customer?

Not a ME home loan customer?

An offset account that does good for your home. And your hood.

Get offset to a great start with ME.

Features.

$0 account keeping fees

Digital wallets.

Open in 5.

Open an account in minutes.

To open a ME Go account, you’ll need to be:

What happens next?

Important note:

Good chat.

Join ME.

Talk to ME.

The legal stuff.

The legal stuff.

To open a ME Go account,
you’ll need to be: