Skip to main content Skip to main navigation Skip to accessibility page Skip to search input

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.

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




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


In detail

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

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

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.