Complete Freedom Account + Visa Debit Card
You could get $50 cashback with our no-account-keeping fee, feature-packed Complete Freedom account. Minimum spend required. Read on to find out more.
Get $50 when you bank and save together
Open a Complete Freedom everyday account and an eligible savings account. Accounts must be in the same name.
For new account holders who’ve not held a Complete Freedom account or savings account in the past 2 years.
Once you meet the criteria, we'll add $50 into your savings account. Offer ends 20 April 2026.
New customers only. T&Cs apply*
Freedom and control
Safer shopping with your Digital Card
It's a digital version of your debit card, available in the Bank of Melbourne App. Use it just like your physical card to shop online, pay bills, and set up your recurring card payments. The dynamic CVV refreshes in your App every 24 hours – making your card details even more secure and reduces the risk of fraudulent card activity by over 50%.
$0 international transfer fees
AUD $0 fee per transaction when you send foreign currency overseas via Internet Banking.
Internet and Mobile Banking
Manage your banking needs wherever you are with Internet Banking and features such as Quick Logon and Push notifications via the Mobile App. For more information please read Internet and Mobile Banking T&Cs (PDF 626KB).
Safe and secure banking
Card Lock
Instantly put your card on temporary lock if it's lost, stolen, or misplaced to reduce the risk of unauthorised transactions.
Notifications
Choose the alerts you want to receive to get push-notifications straight to your phone to monitor your account activity.
Fraud money back guarantee
We ensure that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Bank of Melbourne promptly.3
Get rewarded for banking with us
Your Visa Debit Card gives you access to great offers and benefits from some of Australia's best-known brands as soon as you've activated your card.
Shop through ShopBack. Get Cashback.
Link and pay with your eligible Bank of Melbourne debit card to get exclusive bonus Cashback when you shop on the new Bank of Melbourne Lounge on the ShopBack app.
Download the Bank of Melbourne App
The Detail
Read the Terms and Conditions (PDF 732KB), including for fees and charges that may apply, before making a decision and consider if it is right for you.
1. To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over.
2. My Offers Hub is available to eligible consumer debit and credit card customers only.
This promotion runs from 1 February 2026 to 20 April 2026.
Eligibility criteria:
You must:
- Not have held either a transaction account or savings accounts with Bank of Melbourne in the last 2 years (applies to both account holders for joint accounts)
- Open a new Complete Freedom Account AND, either an Incentive Saver OR Maxi Saver. Accounts must be in the same name, and active and ready to use.
- Open both accounts and deposit $50 or more into your Complete Freedom transaction account within 10 calendar days. Deposit(s) must be processed (not pending) by the 10th day.
- Deposit must be customer-initiated and does not include interest payments into the account.
- Keep the account open for a minimum of 60 days after your eligible deposit.
If you meet the above:
- You're eligible for a one-time $50 payment.
- The $50 payment will be made to your Incentive Saver / Maxi Saver account within 60 days of you meeting all Terms and Conditions and eligibility criteria.
- If you open more than one Incentive Saver / Maxi Saver account, the $50 cashback will be made to one account only. It will be the first savings account opened and active.
Read the Apple Pay Terms and Conditions (PDF 382KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Read the Google Pay Terms and Conditions (PDF 112KB) before making a decision and consider if it is right for you. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions (PDF 29KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.