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Why bucket budget?

Why bucket budget?
It’s harder to track your spending when all your money’s in one place. With its simple and colour coded approach, bucket budgeting helps you break down your spending to really get on top of your finances.

Colour code your cash.

With five colours to choose from, Buck – our award-winning Everyday Transaction Account – helps you stay on top of your spending, spreeing and saving.
Green buck card

The green grind.

Petrol? PT? Pears? Tap avocado for your day-to-day needs.

Yellow buck card

Yellow is not YOLO.

This is purely for savings, emergencies and big-ticket times.

Blue buck card

Bills got you blue?

Home loans, utility bills and debts – this is your blue ‘blegh’ card.

Red buck card

Paint the town red.

Well, lobster red. Marvel movies, date nights, new shoes?

Pink buck card

Pink to support the girls.

We’re all different, so however you bucket budget, choose pink and for every purchase we’ll donate 1c to the National Breast Cancer Foundation.

Why ME?

With no-account keeping or ATM fees, our award-winning Everyday Transaction Account makes sure your money stays where it belongs.

No monthly fees

Banking with zero monthly account keeping fees. You earned it, you spend it.

ATM fee refunds

Refunds on all ATM fees on all ATMs in Australia1.

No minimum deposits

Open an Online Savings Account and you could earn a bank-load of bonus interest.

Watch it grow.

Open an Everyday Transaction Account alongside your Online Savings Account, and you could qualify for a delicious monthly bonus rate2.

Find out more

0.05%p.a.


Variable base rate

You’ll always get the variable base rate – no matter what.

+

4.20%p.a.


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.

=

4.25%p.a.


Total variable rate

You’ll get this total rate for any month in which you tapped four times, on balances up to $250,000, for each Online Savings Account.

Open an account.

Switch to an Everyday Transaction Account today with the bank that pays back all your Australian ATM fees.1

Open now

You’ll need to have

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

You’ll need to be

• at least 16 years old
• an Australian citizen, permanent resident or resident for tax purposes with an Australian residential address.
• opening an account for personal use

What happens next

If we can verify you online, we’ll instantly open your new Everyday Transaction Account and pop your card in the mail.

More from ME.

Why you need to start ‘bucket budgeting’.

Budgets are like diets. We go in with the best intentions, but they’re so restrictive and complex, that we’re often set up for failure. Keto? Fruitarianism? Beyonce’s juice cleanse?

Read more

Living within your budget.

Follow these five simple strategies to help you avoid budget burnout

Read more

How to set budget goals.

Budgeting is hard. Even when you think you’ve got it under control, a really cute cardi just leaps off the rack and suddenly you’re struggling again.

Read more

The legal stuff.

The legal stuff.

1. 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 of the transaction. We may change or withdraw this offer at any time.

2. Online Savings Account (OSA) variable bonus interest terms and conditions.
Interest rate is current at  22-Dec-2024 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.


Other important information

Terms, conditions, fees and charges apply. This is general information only and you should consider if this product is right for you.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

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ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.