Everyday Account + Visa Debit Card

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

Why?
Special offer
Features
Fees and charges
In detail

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Smarter banking that takes care of your needs

$0 account-keeping fee

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 eligible* 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

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.

Easy secure access to your money

Visa Debit Card

Your Visa Debit Card gives you access to exclusive offers and benefits from some of Australia's best-known brands as soon as you've activated your card. Feel safe and secure, knowing you can identify unknown transactions and secure your lost card directly from our app, plus we'll keep you protected 24/7 with Bank of Melbourne Secure.
Find out more.

Mobile Banking

Manage your money on the go with the Bank of Melbourne Mobile Banking App - winner of the 2021 Mozo People's Choice Award for Excellent 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.

Fast and secure ways to pay

Make contactless purchases using your choice of mobile wallet, including Apple Pay, Google Pay and Samsung Pay.

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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*The Detail

$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 St.George 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, including for fees and charges that may apply, before making a decision and consider if it is right for you.

Features

Spend Tracker

All your transactions grouped into categories to help you track your spending habits²

Card Lock

Misplaced your card? Temporarily lock your card for up to 15 days while you look for it

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

Quick Balance

Know exactly how much money you have on hand at a glance on your smartphone or watch

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 834KB)

In detail

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

T&Cs and Fees

Internet and Mobile banking T&Cs

How to open an account

Open your account in under 3 minutes.

Types of ID you can use

You can now use your account online.

Your Visa Debit will arrive in the mail.

Automatically import your payees and billers via your Internet Banking and switch your payments.

Switch your banking

Not right? Try these.

All transaction accounts

All accounts

All Savings accounts

Savings accounts

The Detail

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. 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.

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, 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.

©Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.