Everyday accounts

Everyday Account + Visa Debit Card

With no account-keeping fee, our feature-packed Complete Freedom account makes managing your money a breeze.

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Freedom and control


Zero fees

Every dollar counts! Pay zero account-keeping fees on your Complete Freedom transaction account.

Visa debit card

Whether you're in a store, online or on the phone - pay for what you need with your own money using a Visa Debit card1 (if you're between 12 and 14 you get a Freedom card).

Internet and Mobile Banking

Manage your banking needs wherever you are with Internet Banking and features such as Cardless Cash, Quick Logon and Push notifications via the Mobile App. For more information please read Internet and Mobile Banking T&Cs (PDF 309KB).

Rewards & Offers

Get access to My Offers Hub2 where you can find discounts and benefits on popular lifestyle brands just for being an eligible cardholder.

Special offer

$40

on us!

Get $40 with a new Complete Freedom everyday bank account when you apply online by 28th September 2022 and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases. New transaction account customers only. Exclusions, T&Cs apply*.

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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 St. George 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.

 

Standard Fees and Charges

  • $0.00 Account-keeping fee
  • $0.00 Cash withdrawals on major bank ATMs in Australia (Certain ATM providers may still charge a fee)
  • $5.00
    Overseas withdrawal fee ($0 when you use our Global Alliance ATMs)
  • 3.00% Foreign currency conversion
  • $15.00 Overdrawn fee

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 937KB)


 


 

Download the Bank of Melbourne App

 

Not right? Try these.

All transaction accounts

All accounts

All Savings accounts

Savings accounts

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. If you’re 12 or 13 years old and have an Australian residential address, you can request a Freedom Card in branch.

2. My Offers Hub is available to eligible consumer debit and credit card customers only.

3. 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.
 
* $40 Offer:  Fees and charges apply. Read the terms and conditions available at bankofmelbourne.com.au before making a decision and consider whether the product is right for you. To be eligible for the $40 offer you must: open a new Complete Freedom account online between 1/04/2022 and 28/09/2022, and within 30 days of account opening deposit $500 and make 5 eligible debit card purchases. Eligible card purchases are purchases made using your Bank of Melbourne Bank debit card linked to your Complete Freedom account and have these settled (not pending). The following transactions are ineligible: ATM transactions, BPAY, EFTPOS cash out only transactions, gambling transactions and purchases settled to a credit card account. If eligible you will receive $40 into your Complete Freedom account within  approximately 50 days of opening. The account must remain open during this period in order to be eligible for the offer. New Complete Freedom account customers only. All account holders on the new Complete Freedom account must not currently hold or have previously held a Bank of Melbourne, St.George or BankSA transaction account, or received this cashback offer at any time to be eligible. Where a joint account is opened, if one of the joint account holders has already received their cashback in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account. Offer is limited to one eligible account and is not available in conjunction with any other offer.
 

Read the Terms and Conditions (PDF 937KB), including for fees and charges that may apply, before making a decision and consider if it is right for you.

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.

Read the Google Pay Terms and Conditions (PDF 321KB) 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 343KB) 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.

Internet connection may be needed to make purchases using Google Pay or Samsung Pay and normal mobile data charges apply.
 
Android, Google Pay and Google Play are trademarks of Google Inc. 
 
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
 
Mastercard, PayPass and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.