As of 20 Sept 2026, ME Bank has 2 savings accounts in our dataset. The highest advertised rate is 5.35% p.a. on HomeME (first $1,000,000), which requires you to deposit at least $2,000 each month. Rates were last verified on 20 Sept 2026 against the bank's official product pages.
Deposit at least $2,000 into your linked SpendME everyday account from an external account in the previous month to earn 5.35% p.a. (0.05% base + 5.30% bonus) on balances up to $1,000,000.
Different portions of your balance earn different rates.
How to get the best rate
Deposit at least $2,000 each month.
Who can open it
Available from age 14.
Requires a linked SpendME account.
Available to Australian residents.
Requires an Australian residential address.
Intended for personal use only.
Conditions are assessed on a calendar-month basis.
Meeting the conditions affects the rate 1 month later.
Interest is credited on day 1 of the next month.
SaveME + SpendMe Transaction
Make at least 4 settled Visa Debit card purchases per month using your linked SpendME account to earn 4.35% p.a. on combined SaveME balances up to $500,000.
