Everyday accounts

Everyday Account + Visa Debit Card

With no monthly account fees, our feature-packed Complete Freedom account makes managing your money a breeze

Open now

Smart Banking, everyday, everywhere

$0 monthly account fee
We’ve removed our monthly account fee for all our customers, so there’s no need to make a minimum deposit each month. Learn more
Global ATM Network
No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world via the Global ATM Alliance and partner ATMs (other fees may apply)
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 at home and overseas
 

Visa Debit Card

With a Visa Debit card you can use your own money to shop in-store, online or over the phone. Heading overseas? You can also use your card while you’re away – from tickets and accommodation to shopping anywhere in the world 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.

    

Special offer

$50

on us!

Get $50 with a new Complete Freedom everyday bank account when you apply by 6th October 2020, and deposit $500 and make 5 eligible debit card purchases within 30 days. T&Cs apply*

Open now

Easy, secure, and a fast way to pay with Apple Pay

Enjoy all the benefits of your eligible card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

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

  • FREE eftpos and Visa Debit transactions
  • $0.00 Monthly account service fee
  • FREE ATM use in Australia (Bank of Melbourne/ St.George Bank/ BankSA and Westpac ATMs in Australia)
  • $5.00 Overseas cash withdrawal ($0 when you use our Global Alliance ATM )
  • FREE Overseas cash withdrawal from a Global Alliance Partner ATM
  • 3.00% Foreign currency conversion
  • FREE Internet, mobile and phone banking transactions
  • $4.00 Periodical payment
  • FREE Direct debit
  • $2.00 Frequent statement (request statement outside of cycle)
  • FREE Cheque
  • $0.20 ATM mini transaction history request (Bank of Melbourne/ St.George Bank/ BankSA and Westpac ATMs in Australia)
  • FREE Staff assisted (branch and telephone)
  • $15.00 Payment Honour fee
  • $5.00 Dishonour fee

Other fees and charges may apply. Please refer to the Terms and Conditions (PDF 474KB)

Complete Freedom Fee Removal FAQs

Starting on 2 June 2020, we will no longer be charging a monthly account service fee on our Complete Freedom transaction accounts.


See all FAQs

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

1.
Read both the terms and conditions, and fees above
2.
Give yourself a few minutes
3.
Have your contact details handy
Open now

Not right? Try these.

All transaction accounts

All accounts

All Savings accounts

Savings accounts

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 38KB) 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.