Get greedy with ME’s Spend & Save Bundle.

Open an Everyday Transaction Account alongside your Online Savings Account, and you could qualify for a delicious monthly 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 calendar month in which you tapped at least four times, on balances up to $250,000.

Savings made simple.

Here’s a few ways you can make  more out of your savings.

Fee frees.

We don’t charge you to hold your  money, I mean you worked for it so you should get to keep ALL of it.

Multiple accounts.

You can earn bonus interest on each savings account you open, for balances up to $250,000.

No withdrawal limits.

Get a great saving rate and get access to your money as you need it, It’s yours, so we won’t punish you for it.


See how fast we’ll get you there if you take out our Online Savings Account and Everyday Transaction Account and make four tap & go payments a month.

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


Open now

You’ll need to have

• about 5 minutes
• your passport, Australian driver’s licence or Medicare card
• 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.

Don't take our word for it.

Money Minder of the Year awards

We're on the Money.

The Money Minder of the Year 2020 award recognised ME as the best place to stash your cash.

Canstar Bank of the Year for Savings in 2020.

A Canstar is born.

ME was named Bank of the Year for Savings in 2020.

Finder awards 2020 savings account

 You won't Finder better savings account than ME.

Our Savings Account was a winner at the 2020 Finder Awards for competitive rates and less fees.

Awarded RateCity’s Gold award for the Best Savings Account in the Regular Savers Category 2020

RateCity rate ME.

Awarded RateCity’s Gold award for the Best Savings Account in the Regular Savers Category 2020.

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 05-Dec-2020 and subject to change.

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.
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. We may change or withdraw this offer at any time.
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.
The Money Minder of the Year award recognised ME for being most likely to deliver value for money in term deposits and personal, children’s, regular saver and online saving accounts.

Canstar Bank of the Year – Savings is awarded to the institution that provides the strongest combination of products across the Savings Account Star Ratings profiles, as well as excelling in products from the Term Deposit Award.

Accounts were assessed based on the return on a monthly deposit of $500 over 12 months, including bonus interest.

Rate City Gold Award: Winners determined by averaging the daily Real Time Ratings™ over a three-month period to identify the savings accounts consistently performing at the top of the market.
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

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, Tap & go and the circles design are a trademarks of Mastercard International Incorporated.”