Mobile Banking

With a wide range of new features and a contemporary design, our mobile banking solution makes banking on-the-go convenient, simple and easy.

What's new

  • Cardless Cash – withdraw cash without your card. Now available at over 3,000 Bank of Melbourne and Westpac ATMs across Australia1.
  • Fingerprint login – now available on supported Android smartphones.
  • Customise and reorder your accounts in Mobile Banking
  • 3D Touch for iPhone – press down on the Bank of Melbourne Mobile Banking app icon for quick and easy access to our most popular Mobile Banking features – Quick Zone, Brand ATM Locator, Cardless Cash and Contact us. Available on iPhone 6s and above.
  • Expense Splitter – paying for group expenses like concert tickets, presents or a holiday? Use Expense Splitter to keep track of what you’re owed, send SMS reminders, and record who has and hasn’t paid you back.
  • Set up Bank of Melbourne Widget on your smartphone. View your account balances without opening the app using the St.George widget. Now also available on iPhone 5 and above.

Key features

  • Quick Balance - check your available balance without logging in. You can view the available balance of up to three eligible accounts, and you can tap on your balance to view your last 5 transactions (from the last 14 days).
  • Login with just your Security Number
  • Login using your fingerprint on iPhone 5s, 6 and 6 Plus (with iOS 8 and above)
  • Cardless Cash – withdraw cash without your card from any Bank of Melbourne, St.George Bank, BankSA or Westpac ATM in Australia2
  • See your Global Currency Card balances and transfer funds instantly from eligible accounts.
  • Notifications - choose from 7 types of alerts: Low Balance, Withdrawal, Deposit, Dishonour, High Balance, Daily Balance and Credit Card Reminder
  • Call us with Connect - no need to answer security questions as you’re already logged in2
  • BT Super for Life - open a new account, view your transaction details or email payroll to change your super account. 

Making payments

  • Make payments to BPay Billers, Payees and existing overseas payees
  • Pay to Mobile – make a payment to a mobile phone number
  • Quick Pay - set up to 5 favourite payments and make a simple one tap payment to your most favourite
  • Overseas Transfers - send money overseas in your chosen currency to existing payees
  • Schedule future and recurring payments up to 24 months in advance.
  • Tap & Pay - pay with your eligible Samsung smartphone using Visa® payWave or Mastercard® PayPass™. Available on supported devices.

Other services

  • Set up notifications, SMS alerts and email alerts to help you stay in control of your money   
  • Change your ATM and EFTPOS daily cash withdrawal limit3
  • Activate your new credit or debit card
  • Temporarily lock your card for up to 15 days4
  • Apply for a credit card, home loan or a personal loan or open a new account
  • Tell us when you are going overseas so we can help protect your accounts while you are away
  • Request a St.George Global Currency Card5
  • View interest earned for the past 2 years
  • Locate your nearest Bank of Melbourne, St.George Bank or BankSA ATM, branch or banker in Australia.
  • Save on ATM withdrawal fees when overseas by using the Global ATM Alliance Locator to find one of the 50,000 Global Alliance ATMs6
  • Order ahead from selected cafes with Hey You7.
  • Decrease or increase your Credit Card limit in Internet and Mobile Banking.
  • Quick Balance Widget for Android - view balances for up to 3 accounts from the home screen. To set up, see FAQs.
  • Convenience - do your banking via your smartphone anytime, anywhere
  • Access - supported across multiple operating systems and device types
  • Security - robust security access via Bank of Melbourne Secure Code.

How we protect you

Bank of Melbourne guarantees your Mobile and Tablet Banking security with Bank of Melbourne Secure. With years of experience in internet banking, we take pride in our excellent security record. And we continue to safeguard your financial and personal information with ongoing improvements to our systems and security measures.

Find out more

How you can protect yourself

There are plenty of simple steps you can take to protect your information and your money.

Find out more

Download our Apps

Important information

1. Available on eligible Bank of Melbourne personal transaction accounts with a linked debit or credit card. Cardless Cash limit of 3 withdrawals per day, subject to $500 daily withdrawal limit and $1,000 weekly withdrawal limit. Only available at St.George, Bank of Melbourne, BankSA or Westpac ATMs in Australia. All Cardless Cash limits apply across St.George, Bank of Melbourne and BankSA accounts and Mobile Banking apps. Read the Cardless Cash terms and conditions at bankofmelbourne.com.au before making a decision and consider whether the product is appropriate for you.

2. Standard call or data charges apply.

3. Daily limit can be changed to $0-$2000. Available on personal and business accounts with credit card and debit card access (except corporate accounts, Corporate and Business Vantage Credit Cards, Freedom Cards, Corporate Debit Cards, and Heritage Debit Cards).

4. Card lock will temporarily stop all future card transactions on a Visa debit or personal credit card for 15 days, unless you reactivate or cancel your card earlier. This mean all scheduled or recurring payments using your card details will be stopped, but any direct debits on a linked bank account will continue as usual.

5. St.George Bank is the distributor of the St.George Bank Global Currency Card. Rêv Australia Pty Ltd ACN 117 378 953 AFSL 401610 manages the Global Currency Card product for Cuscal Limited ACN 087 822 455 AFSL 244116, an authorised deposit-taking institution. Cuscal Limited is the issuer of the product but does not take deposits from you. St.George is not responsible for and does not guarantee this product or card or your ability to access any prepaid value or the use of this product or card.

6. The $5 ATM withdrawal fee is waived if you withdraw cash using your debit card or credit card at a Global Alliance ATM. A 3% Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 2% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. Other fees and charges may be payable. A list of Global Alliance members is available at https://www.bankofmelbourne.com.au/personal/bank-accounts/transaction-accounts/global-atm-alliance Excludes American Express® cards.

7. The minimum required Mobile Banking app versions to access the $5 Hey You credit offer are: iOS v7.42 or Android v5.4. The minimum required Hey You app version is: iPhone v3.0.1 or Android v3.0.1. Visit bankofmelbourne.com.au/heyyouterms for details.

Some features and functions including fingerprint login may not work on jailbroken or rooted devices.

Read the Mobile Banking Terms and Conditions before making a decision and consider whether the product is appropriate for you.

BT Funds Management Limited is the issuer of BT Super for Life, a part of Retirement Wrap ABN 39 827 542 991. Consider the Product Disclosure Statement, which can be obtained by calling 1300 653 553 or from bt.com.au, before deciding whether to invest. An investment in BT Super for Life is not an investment in, deposit with or any other liability of Bank of Melbourne, a Division of Westpac Banking Corporation, which does not stand behind or otherwise guarantee BT Super for Life.

Apple, the Apple logo, iPhone are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. BPAY® Registered to BPAY Pty Ltd ABN 69 079 137 518.