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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


on us!

Get $50 with a new Complete Freedom everyday bank account when you apply by 19th January 2021, and deposit $500 and make 5 eligible debit card purchases within 30 days. New transaction account customers only. Exclusions, 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


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

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.

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 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.