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Say adios to foreign transaction fees with ME, when you spend or withdraw cash overseas.3
Go overseas
without the fees.
Say adios to foreign transaction fees with ME, when you spend or withdraw cash overseas.3
Ditch international fees with our SpendMe everyday account.
Say arrivederci and au revioir to international transaction fees when you travel abroad a SpendME everyday debit card. That means not getting slugged with extra charges for purchases made overseas. Save those dollars, dong and dineros for your holiday!
You'll also get:
- $0 account keeping fees
- $0 ATM fees at over 10,000 locations, no need to pay money to get money.3
Travel money goes further with ME
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Without paying international transaction fees, find out what you could spend that money on instead.
*Based on a 3% foreign transaction fee charged by some card providers. Other fees and charges may apply. All dollar values are in AUD
Lunch in the USA
AUD equivalent.
$100
Foreign transaction fee you wont pay with SpendME.*
$3
What you can buy instead.
A subway fare home.
Car hire in Italy
AUD equivalent.
$500
Foreign transaction fee you wont pay with SpendME.*
$15
What you can buy instead.
A few slices of Neapolitana
from the birthplace of pizza.
Ski pass in Japan
AUD equivalent.
$300
Foreign transaction fee you wont pay with SpendME.*
$9
What you can buy instead.
A bowl of your favourite Ramen.
ETA
Good spending starts with SpendME.
Every time you tap with your SpendME digital card, we donate 1c to the charity aligned with your card. Feel good knowing you’re doing the right thing and feel better knowing ME donates on your behalf.
Learn more about our charities.
More features than a rap album.
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Spending is an everyday part of life, which is all the more reason to get more out of an everyday bank account with every transaction.
Open an account in minutes.
Add your card to your digital wallet before you jet off, to start spending straight away.
Manage ME on the move.
ME has squeezed an entire bank into the ME Go app, making it easy to manage your money on the go, right from the palm of your hand.
No monthly account keeping fees.
ME supports digital wallets and wearables for Apple, Google and Samsung devices. Pay securely anywhere, anytime – and forget your wallet on purpose.
Osko and PayID.
Send and receive money instantly to and from your SpendME account with just a phone number or email. Bye bye BSB's and account numbers.
Hit your next goal sooner with our highest interest savings account.
Whether your next big savings goal is a new home deposit, a holiday or a car, our high interest HomeME Savings Account can help with up to
5.00% p.a.2 bonus interest when you meet the monthly criteria.
Find out more about HomeME
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.
Travelling overseas.
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Before you spread your wings, remember there’s more to a travel checklist than socks, jocks and swimmers.
Your money’s safe with ME.
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Not only does our system constantly monitor your card to help prevent fraudulent behaviour, we’ve got loads of other security measures in place to help protect you:
Government guarantee.2
Your money is protected by the government guarantee, with up to $250,000 per person covered by the government’s Financial Claims Scheme.
Lost your card?
You can temporarily lock your card in the ME Go app if you think you may have misplaced it (or it’s in your pocket... again).
Your savings’s safe with ME.
One-time pins and biometric logins mean your hard-earned savings is always protected by a swipe or a smile.
What are the charities that the SpendME account supports?
ME Bank currently has 5 different colours and charities that you can support with your SpendME account.
These include:
- Pink, which supports the National Breast Cancer Foundation
- Rainbow, which supports LGBTQIA+ youth with Minus 18
- Blue, which supports mental health awareness with Beyond Blue
- Green, which supports environmental conservation with the Australian Wildlife Conservatory
- Orange, which supports homelessness help with Orange Sky
What is a transaction account?
A transaction account is a type of bank account used for daily transactions such as depositing and withdrawing money, paying bills, and transferring funds.
What does pending transaction mean on my bank account?
A pending transaction on a bank account means that a transaction has been authorised by the account holder, but it has not yet been processed to the account.
This can occur when a merchant or service provider has obtained authorisation to charge the account, but has not yet completed the transaction. This is usually why you'll see a pending transaction right after you've paid for a good or service.
How to open a transaction account?
Simply download the ME Go app from the
App Store and
Google Play Store and follow the instructions. If you’re opening a joint account, we’ll send a message to the other party and the account will be opened once they have provided their details. Important to know that all applicants must complete formal identification before the account can be opened.
Is a SpendME account the same as an Everyday Transaction Account?
No. The SpendME account is a brand-new transaction account available exclusively on the ME Go banking app. To access an existing Everyday Transaction Account please use the ME Bank app or Internet Banking.
Does ME Go support joint accounts?
Yes, you can open a joint transaction account through the ME Go app. After completing the application we'll send a message to the other party and the account will be opened once they have provided their details.
Important to know that all applicants must complete formal identification before the account can be opened.
Can I open a business account?
No. Our transaction and savings accounts are for personal use only.
Are there any monthly account keeping fees?
No. We don’t charge you monthly fees on any of our ME Go accounts. For details on any other fees that might apply, you can check them out our
account fee page here.
Are there any ATM fees?
You can withdraw cash or check your account balance at BOQ ATMs fee-free, however, other ATM owners may charge you a fee. Within Australia, any ATM fees should be displayed on the ATM screen before you proceed with the transaction.
Locate your nearest BOQ ATM.
If you are traveling overseas, you can also access the following too:
- No international ATM Fees (for balance enquiry and withdrawal)
- No foreign currency conversion fees
ME won’t charge you a fee to withdraw or make an enquiry at an ATM overseas, however the ATM owner may charge you a fee which should be displayed on the screen. You can check out our
full list of fees here.
Are there international transaction fees?
With a SpendME transaction account, you can travel overseas without worry with:
- No international ATM Fees (for balance enquiry and withdrawal)
- No foreign currency conversion fees
ME won’t charge you a fee to withdraw or make an enquiry at an ATM overseas, however the ATM owner may charge you a fee which should be displayed on the screen. You can check out our full list of fees
here.
Can I use my SpendME account as an offset account for my ME home loan?
Not at this time. To find out more about our offset account options please call ME on
13 15 63.
The legal stuff.
The legal stuff.
1. 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.
-
5.00% 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.
2. Government guarantee.
Deposits are protected by the
Australian Government’s Financial Claims Scheme, up to $250,000 per person per authorised deposit-taking institution.
3. ATM operators.
Some ATM operators may charge a fee for transactions using your Visa Debit card to access your account.
You can withdraw cash or check your account balance at BOQ ATMs fee-free, however, other ATM owners may charge you a fee. Within Australia, any ATM fees should be displayed on the ATM screen before you proceed with the transaction.
Locate your nearest BOQ ATM.
If you are traveling overseas, you can also access the following too:
- No international ATM Fees (for balance enquiry and withdrawal)
- No foreign currency conversion fees
ME won’t charge you a fee to withdraw or make an enquiry at an ATM overseas, however the ATM owner may charge you a fee which should be displayed on the screen. You can check out our
full list of fees here.
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
25-Apr-2025 and subject to change.
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