skip to content
Apply for a rainbow SpendME Everyday Account and support Minus18 with every tap of your
digital wallet. Let’s make it rain(bow) for LGBTQIA+ youth!
Do some good for
LGBTQIA+ youth.
Apply for a rainbow SpendME Everyday Account and support Minus18 with every tap of your
digital wallet. Let’s make it rain(bow) for LGBTQIA+ youth!
MINUS18 is leading change, building social inclusion and advocating for an Australia where all queer or LGBTQIA+ young people are safe, empowered and surrounded by people that support them.
When you choose ME's rainbow debit card, every time you tap your digital wallet, ME will donate 1c to MINUS18.
Small change can turn into big change.
Open a SpendME and add your Visa Debit card to your digital wallet in 5 minutes flat. Plus you can instantly transfer money with Osko or PayID.
ME Supports most digital wallets and wearables so you can pay securely using your favorite Apple, Samsung and Google devices anywhere, anytime.
Open now
The impact of ME and you.
ME has partnered with MINUS18 to help champion LGBTQIA+ youth. We’re doing this by helping over 1.1 million LGBTQIA+ young people, parents, teachers and allies access education and resources through the MINUS18 website. This will increase LGBTQIA+ knowledge in the community.
Features.
![]()
All the features you need and will love are good to Go.
Learn more
Bill Tracker.
Never experience bill shock again.
Spend Tracker.
Get real-time and personalised alerts on categories like shopping or dining out.
No account keeping fee. No international transaction fees.
No kidding.
Instant payments (Osko & PayID).
Need cash? Just a tick. Send and receive money instantly.
Stick to your savings goals with ME.
Pair your SpendME account with a savings account to earn bonus interest on your savings and meet your goals sooner, whether that’s saving for your first home or just a night away from it.
- SaveME is a goal-oriented savings account, packed with smart features and a
4.25% p.a.1 interest rate when you meet the monthly criteria.
- HomeME is a saving account that is especially designed to help you save for a home deposit or your next big thing. Earn up to
5.25% p.a.2 interest when you meet the month criteria.
Get Go’ing in 5 mins.
Open a new account directly in the ME Go app in minutes or apply online now.
Get started online
On a desktop?
Grab your phone and scan the QR code (we’re all experts in this now). Download the banking app and apply for an account easily today.
App Store.
Grab your phone search for ME GO in the App Store. Compatible with smartphone devices running iOS 14.0+.
Google Play.
Grab your phone search for ME GO in Google Play. ME Go banking app is Compatible with smartphone devices running Android™ 8.0+.
Things you should know.
Things you should know.
Our SpendME account is only available on the ME Go app and ME Go Internet Banking and can't be accessed via ME Internet Banking.
If you're already a ME account holder with accounts you access via Internet Banking, please note these accounts aren't accessible from the ME Go app. We’re working towards moving our current range of products over for customers and will be communicating that exciting journey to you in more detail soon. We have a whole page that explains this in more detail if you’d like to
learn more.
To open a ME Go account, you’ll need to be:
- over 14 years of age.
- an Australian resident with an Australian residential address.
- The account holder (applications cannot be completed and submitted by an Executor/Administrator/Power of Attorney/Legal Representative).
- Opening the account for personal use.
What is the rainbow card?
The Rainbow Visa Debit card is the card that comes with ME Bank's new SpendME transaction account, designed for everyday banking. It comes with a range of features and benefits, including no monthly account-keeping fees, no ATM fees at over 10,000 locations and access to the ME Go app. Best of all, feel good knowing every time you tap with your digital rainbow card, Minus 18 gets a donation from ME.
How do I open a SpendME account with a rainbow card?
You can apply for a SpendME rainbow card online in just a few minutes. Simply apply online and follow the instructions provided. You will need to provide some personal and financial information, as well as identification documents.
What fees are associated with the rainbow card?
With a SpendME rainbow card, feel good knowing your account has no monthly account-keeping fees, no international fees and no ATM fees at over 10,000 locations, you'll be able to make your money good, your way.
What features does the Rainbow SpendME Everyday Account come with?
The SpendME account has been packed with features to make you and your money feel good. It comes with a range of features and benefits, including no monthly account-keeping fees, no ATM fees at over 10,000 locations and access to the ME Go app. Best of all, every time you tap with your rainbow card, the Minus 18 gets a donation from ME.
Can I use my rainbow card overseas?
Yes, you can use your SpendME rainbow card overseas, wherever visa is accepted. Your rainbow card also comes with 0 international fees (some international ATM operators may charge a fee.), so you can still support LGBTQIA+ youth even when you're overseas.
Is my rainbow card available on my digital wallet?
Yes, you can access and use your SpendME rainbow card using your digital wallet. The card is supported on all digital wallets, including Apple Pay, Samsung Pay & Google Pay, meaning you can take your rainbow card wherever you go. Not only this, but when you tap using your digital card, you'll still be supporting Minus 18 with a 1c donation for every tap on ME.
Does ME only donate when I use my digital card?
Yes, ME will donate on your behalf every time you tap using your digital card via a digital wallet (like Apple Pay, Samsung Pay & Google Pay). You no longer have to worry about forgetting your wallet at home. Dive into the convenience of using your digital wallet for all your everyday transaction needs and know that every time you do, your favourite charity is receiving a donation from ME.
What is Minus 18?
Minus 18 is a charity organisation working to improve the lives of LGBTQIA+ youth in Australia. We're leading change in Australia, building social inclusion and advocating for an Australia where all young people are safe, empowered and supported. We create spaces where LGBTQIA+ youth are celebrated, deliver training and digital campaigns to equip all individuals with the resources they need to support LGBTQIA+ young people.
How can I support Minus 18?
There are a variety of ways you can get involved and support LGBTQIA+ youth empowerment with Minus 18. Every time you tap your SpendME rainbow digital card, you'll be supporting Minus 18 with 1c donations from ME. You can also support Minus 18 by contributing one off donations, volunteer, partner and/or attend our events and campaigns.
How can I donate to Minus18?
You can make contributions to Minus 18
on the donations page. Simply choose the frequency of your contributions (one off, daily, weekly, monthly, quarterly or yearly) and then choose your desired amount.
Minus 18 also receives a 1c donation from ME every single time you tap using your digital rainbow card.
The legal stuff.
The legal stuff.
1. SaveME Account Bonus Interest terms and conditions.
The Bonus Interest Rate applicable to your SaveME Account will apply:
For each calendar month where you made four or more card transactions in the previous calendar month using the Visa debit card linked to a SpendME account in the same name (sole name account) or names (joint name accounts) as your SaveME account. Transactions that are pending do not count as a transaction for the previous calendar month and will be counted in the following calendar month; and to the combined balance of your SaveME accounts up to a maximum combined SaveME account balance of $500,000.
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.
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.
Terms, conditions, fees and charges apply. This is general information only and you should consider if these products are right for you.
Interest rates current as at
21-Nov-2024 and subject to change.
BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android, Google PayTM and Google Play are trademarks of Google Inc.