Summary
Before you get started, here’s a quick recap of what you’re applying for.
Complete Freedom
- An everyday account with a Visa Debit Card¹ to make deposits and withdrawals, payments online or on the Bank of Melbourne Mobile App
- $0 Account-keeping fee
- You’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).
What kind of account do you need?
Single
Joint
Are you already a Bank of Melbourne customer?
Yes
No
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 us sending you a Visa debit card and linking it to your account, as set out in the Visa Debit Terms and Conditions (PDF 376KB).
- 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?
Other options
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are you a low or no income earner where a low-cost account may be appropriate for you? You may be eligible for a Concession Account
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 us sending you a Visa debit card and linking it to your account, as set out in the Visa Debit Terms and Conditions (PDF 376KB).
- 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?
Other options
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are you a low or no income earner where a low-cost account may be appropriate for you? You may be eligible for a Concession Account
Are both applicants already Bank of Melbourne customers?
Yes
No
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 us sending you a Visa debit card and linking it to your account, as set out in the Visa Debit Terms and Conditions (PDF 376KB).
- 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.
- To hold the account in joint names (to open an account in trust you’ll need to visit a branch).
- That you have permission to give us personal information about any joint applicants.
- That both account holders can transact on the account individually, for example, withdraw funds without permission from the other account holder.
Ready to get started?
Other options
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are you a low or no income earner where a low-cost account may be appropriate for you? You may be eligible for a Concession Account
Other options
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are you a low or no income earner where a low-cost account may be appropriate for you? You may be eligible for a Concession Account
The Detail
1. To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over.