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High schooler looking for an everyday account

Start out in the right direction with a Complete Freedom account
No account-keeping fees
Every dollar counts! You won’t pay any account-keeping fee on your Complete Freedom transaction account
Part time job?
Arrange to get paid straight into your new account
ATMs everywhere!
Use any major bank ATM in Australia without having to pay an ATM withdrawal fee (other fees may apply)



Easy access to your money

Visa Debit Card 

In a store, overseas, online or on the phone – pay for what you need with your own money using a Visa Debit card1 (if you’re under 14, you get a Freedom card). You can also use it to get money out from ATMs.

Mobile Banking

With the Bank of Melbourne mobile banking app you can take your bank with you on your phone – see how much you’ve got in your account with just a swipe, transfer money between your accounts and find your nearest ATM.

Apple Pay

Fast, secure, contactless. Apple Pay lets you pay in-store and online with your Bank of Melbourne Visa Debit card using your favourite Apple device. Find out more


Smarter ways to manage your own money

Lost your card?
No worries! You can lock it in an instant with the Bank of Melbourne app (you can still get cash out from your account with Cardless Cash2)
Budget with ease
With Spend Tracker3 you can keep an eye on where your money is going – it’s an easy way to see where you might be able to tweak your spending
Need to split a bill?
Pay or get paid by anyone, anytime, securely and in real time with the Beem It app when you link your Visa Debit Card
Keep tabs on your cash
Finding out how much you have in your account is as easy as taking a quick glance at your smartphone or watch


The technical stuff

Before making a decision, please read the terms and conditions and ensure you're aware of all fees and charges.

Getting started is as easy as 1, 2, 3...

Get your ID ready and open your account online – it only takes a few minutes
Types of ID you can use
Start using your account instantly online while we get your Visa Debit card in the mail
Already have a job? Ask your employer to deposit your pay straight into your account– the same goes if you get an allowance from your parents

1. To be eligible for a Visa Debit Card, you must have an Australian residential address and be over 14 years of age. If you’re under 14, you can apply for a Freedom Card.

2. Cardless Cash limit of 3 cardless transactions per day, subject to daily withdrawal limit of $500 and weekly withdrawal limit of $1,000. All Cardless Cash limits apply across Bank of Melbourne, St.George, BankSA and Westpac accounts and Mobile Banking apps.

Cardless Cash is only available on the above accounts if the account is active and is not subject to an account block/restriction. An account may be subject to a block/restriction for a number of reasons including bankruptcy and account disputes.

3. The Spend Tracker tool provides general information only and does not take into account your personal circumstances. It is intended to be a guide only.

Read the Apple Pay Terms and Conditions (PDF 40KB) 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.