Home loans.

Move in sooner by finding the right home loan.

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Everyday banking.

An award-winning account with zero account-keeping fees.

Everyday transaction account

Online savings account.

Say yes to high interest and no to fees - and save faster.

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Low rate credit card.

Shop without the aftershock — with low interest.

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Term deposits.

Get ahead with our amazing term deposit rates.

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Personal loans.

Take control of debt with our low-rate personal loan.

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$2k cashback

Small deposits won't stop ME from giving you cash back.6

Purchase a home with ME and you'll get some cash back in your pocket.

Available to owner occupiers and investors on all ME home loan products if you:
  • Apply from 30 September 2024
  • Take out a home loan with a minimum loan of $400k
  • Have a LVR of over 80%, maximum investor LVR 90% and maximum owner occupier LVR 95%. Lenders Mortgage Insurance must be paid for any LVR over 80%.
Learn more about this cashback offer
HomeME high interest savings account

Take home up to 5.25% p.a. bonus interest.2

Save for your first home deposit, your next holiday, your dream car and more, sooner. With HomeME, you can earn up to 5.25% p.a.2 when you meet the monthly criteria. 

Find out more about HomeME.

Find the right term deposit

Competitive term deposits.

Make the most  of your nest egg with ME's term deposits competitive 12-month rate, guaranteed returns, no set-up or account keeping fees.

Learn more about term deposits 

 

All about ME.

We were created in 1994 as an alternative to the big four, with the purpose of helping everyday Australians reach the dream of owning their own home. And today, while we offer a full suite of banking products, we've never forgotten our roots.

Learn more about the bank making money good.

Over $2 million donated.

Over the last decade, we've helped raise over $2 million for the National Breast Cancer Foundation. 

See our causes

Our purpose.

We’ve been helping everyday Australians get the most out of their money since 1994 – and that’s not changing.

Our story

Lost & found.

Card gone missing? Block it till you find it.

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Deceased Estates

Please contact us when you’re ready.

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Financial strain.

Has the unexpected got you struggling with repayments? Get in touch.

Financial hardship

Support.

Looking for banking help? We got you.

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The legal stuff.

The legal stuff.

2. HomeME Account Bonus Interest terms and conditions.
The Bonus Interest Rate applicable to your HomeME Account will apply:

For each calendar month where: a minimum of $2,000 was deposited into your SpendME account in the previous calendar month from an External Account. The SpendME account to which money is deposited must be held in the same name (sole name account) or names (joint names account) as your HomeME account; and

  • to the balance of your HomeME account up to $1,000,000. 
  • 5.25% p.a. is payable on balances up to $100,000.
  • 3.00% p.a. is payable on balances between $100,001 to $1,000,000
  • 0.55% p.a. is payable on balances >$1,000,000

If you don’t the above bonus interest condition you will receive variable base rate interest only, however in any month we may without notice waive the requirement for you to meet the condition.

6. ME Cashback terms and conditions.
A $2,000 cashback offer is available for the purchase of an owner occupied or investment residential property with minimum new lending of $400,000 and a loan to value ratio (LVR) of over 80% and a maximum LVR of 95% inclusive of LMI for owner occupiers and maximum LVR of 90% inclusive of LMI for investors. Lenders Mortgage Insurance must be paid. To be eligible for this offer, applications must be received from 30 September 2024 and settle within 120 days of the loan application date.

This offer is available to Owner Occupier and Investors on all ME home loan products but is not available for home loan applications involving both a purchase and refinance. Only one cashback payment per eligible home loan regardless of the number of borrowers and for the first eligible loan only in.

The cashback amount will be paid within 60 days of loan settlement into the ME Everyday Transaction Account (ETA) held by the borrower first listed on the application. If the first listed borrower doesn’t hold an ETA, the cashback will be credited to the home loan it applies to. Terms, conditions, fees, and charges apply. Applications are subject to credit approval. The offer can be withdrawn or varied at any time.

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