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Young adult or tertiary student looking for an everyday account

Bank of Melbourne Complete Freedom is a transaction account designed for day-to-day banking needs
No account-keeping fees
Every dollar counts! You won’t pay any account-keeping fee on your Complete Freedom transaction account
My Offers Hub

Access to offers and benefits on popular lifestyle brands just for being an eligible5 cardholder

 

Fraud money back guarantee
We’ll refund you 100% of any money taken from your account if you’re a victim of fraud provided you let us know right away1

    


 

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 card (if you are 14 years and over)2. If you’re heading overseas you can also use it for your travel expenses – from tickets and accommodation, to shopping worldwide anywhere Visa is accepted.
 

Mobile Banking

Manage your money on the go with the Bank of Melbourne mobile banking app. Not only can you check your account balance with just a swipe, you can also transfer money between accounts or to someone else, find your nearest ATM and keep tabs on your transactions.
 

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

 

Here are some clever ways you can manage your money

Lost your card?
Lock your card in a flash with the Bank of Melbourne app (you can still get cash out from your account with Cardless Cash3)
Get balance alerts
Set up alerts to let you know if your balance is low or when you’ve been paid
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
Monitor your budget
With Spend Tracker4 you can keep tabs on where your money goes day-to-day within our banking app. It automatically categorises your transactions so you can see in an instant where your money is going

The legal stuff

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

Here’s how to get started

1.
Get your ID ready and open your account online – it only takes a few minutes
Types of ID you can use
2.
Start using your account instantly online while we get your Visa Debit card in the mail
3.
Have a job? Ask your employer to deposit your pay straight into your account – the same goes if you’re getting an allowance
1. Our Bank of Melbourne Fraud Money Back Guarantee ensures 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. Refer to your card’s conditions of use for full details, including when a customer will be liable.
 
2. To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over. If you’re 12 or 13 years old and have an Australian residential address, you can request a Freedom Card in branch.

3. 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.
 
4. 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.

5. Refer to Terms and Conditions for more details

Read the  Apple Pay Terms and Conditions (PDF 31KB) 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.