Summary
Before you get started, here’s a quick recap of what you’re applying for.
The Bank of Melbourne Maxi Saver account comes with a Complete Freedom everyday account so you can easily transfer money in and out. We’ll only open a Complete Freedom account if you don't already have one.
To open you’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).
To open an account for a trust or self-managed super fund, please visit us in branch.
Maxi Saver
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Complete Freedom (if you don't already have one)
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Want $50 cashback on your new account?
Open a new Complete Freedom account with an eligible savings account by 30 September 2026.
Within 15 days of opening your account, spend a total of $50 or more using your debit card on eligible purchases.
Once you meet the eligibility criteria, you could receive a one-time $50 payment into your new savings account.
Must not have held a Bank of Melbourne Complete Freedom account or savings account in the past 2 years. T&Cs apply.*
What kind of account do you need?
Are you already a Bank of Melbourne customer?
What to have handy?
- Your Bank of Melbourne Internet Banking logon details.
By continuing you agree:
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide and Credit Guide (PDF 223KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Transactions and Savings/Investments Terms and Conditions (PDF 743KB) and the Terms and Conditions for Internet Banking and Phone Banking (PDF 615KB) that apply to the products and services you are applying for.
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To acknowledge your obligations including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
What to have handy?
Your mobile
A secure code will be sent to your mobile to verify your phone number.
At least 1 of these ID documents
- Passport
- Australian driver licence
- Australian birth certificate
- Medicare card (can only be used in conjunction with a second form of ID)
If your details are entered incorrectly or we’re unable to identify you, your application will need to be completed in branch.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Tax details
- Foreign tax information. Only applicable if you’re liable to pay tax in another country
- Your Tax File Number (TFN). Providing this isn’t compulsory, however if you don’t provide it or provide a TFN exemption reason, tax may be withheld on the interest earned on the account.
By continuing you agree:
To begin, you acknowledge:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications which we send to you.
- You have read our Financial Services Guide and Credit Guide (PDF 223KB) which provides important information on the financial services and products we offer as a financial services licensee.
By opening the account, you agree:
- To the Transactions and Savings/Investments Terms and Conditions (PDF 743KB) and the Terms and Conditions for Internet Banking and Phone Banking (PDF 615KB) that apply to the products and services you are applying for.
- To provide your consents to the actions we may take in processing your application including:
- for us to contact you about this application
- for you to receive communications about your account, as well as account statements and terms and conditions electronically. You may change your communication preferences in Online Banking or by contacting us at any time. If you are not registered for Online Banking, you will receive account statements in paper form.
- To acknowledge your obligations including Anti-Money Laundering/Counter-Terrorism Funding requirements and our other reporting obligations if you are a foreign tax resident.
Ready to get started?
Are both applicants already Bank of Melbourne customers?
Complete your application in branch or over the phone
- Phone, with both applicants on the call. 13 22 66, 8am – 8pm (Sydney Time) Monday to Friday (excluding public holidays), or +61 3 8536 7870 from overseas
- Visit a branch, with both applicants attending. To ensure we’re best prepared to help you, please call the branch first to make an appointment. Find nearest branch
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Complete your application in branch together
Please make sure you bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our Bank of Melbourne Identification Checklist (PDF 661KB) to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.The Detail
This promotion runs from 9 June 2026 to 30 September 2026.
To be eligible you must:
- 18+ and have not held any transaction account or savings accounts with Bank of Melbourne in the last 2 years from the date the last transaction or savings account closure.
- Open a new Complete Freedom account AND, either a Incentive Saver OR Maxi Saver. Accounts must be in the same name, activated and ready to use.
- Make eligible purchases totalling at least $50 using the debit card linked to your account within 15 calendar days of the first account being opened. Transaction(s) must be processed (not pending) by the end of the 15th day.
- Transaction(s) must be customer-initiated and does not include interest payments, direct debits or internal transfers between your Bank of Melbourne accounts.
- Keep the account open for a minimum of 60 days after you meet all other eligibility criteria.
- Hold the accounts in one name only. These accounts cannot be joint accounts.
If you meet the above:
- You're eligible for a one-time $50 payment.
- The $50 payment will be made to your Incentive Saver OR Maxi Saver account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Incentive Saver or Maxi Saver account, the $50 payment will only be made once into the first savings account opened and activated.
- This promotion may be varied or withdrawn at any time. It is not available in conjunction with any other offer unless otherwise stated.