3 steps to creamy bonus interest.

1. Open your first ME Online Savings Account

With 1.30% p.a.1 variable interest calculated daily and paid monthly, an Online Savings Account is a great way to start saving.

2. Open an Everyday Transaction Account.

Our Buck debit Mastercard™ is great for your day-to-day banking. There are no monthly account-keeping fees and you can open an Everyday Transaction Account at the same time as your Online Savings Account.

3. Tap & go weekly to enjoy bonus interest.2

Make a weekly tap & go™ purchase with your Buck debit™ Mastercard and you'll earn a bonus 1.55p.a.variable interest for the month on your Online Savings Account. The bonus rate is available for balances up to $250,000.

Why go full fat?

No regular or minimum deposit.

Save whenever and as much as you like.

No monthly account keeping fees.

Your money's yours and only yours.

Knock out ATM fees.

Use Buck debit Mastercard® and get refunds on ATM fees Australia-wide.3

Ongoing bonus interest.

No introductory offer. Just ongoing bonus interest when you tap & go™ weekly with your Buck debit Mastercard®.


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 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.

Don't take our word for it.


Outstanding value savings account

best Online Savings Account Money minder of the year award
Money Magazine Awards 2018

Money Minder of the Year

Online Savings Account Mozo Experts Choice award
Mozo Experts Choice 2018

Regular Saver

The legal stuff.

The legal stuff.

Online Savings Account terms and conditions (28 pages)
Everyday Transaction Account terms and conditions (37 pages) and fees and charges guide (1 page)


1. Variable interest rate is current at 18-Jun-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 & go™. 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.

Award notes

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.