Bank of Melbourne
Transaction & Savings Accounts
13Set aside pre-tax income in profitable years to establish cash reserves and manage low income periods with our farm management deposit account product.
Complete everyday business bank account, ideal for customers who mainly transact electronically, but have a high number of branch and cheque transactions each month.
The Bank of Melbourne Freedom Business Account is a transaction account for business customers to deposit or withdraw funds by various channels. The account has a monthly plan fee and is designed for those who mainly bank electronically.
A savings account that offers a great interest rate with access to funds through a linked account via Internet and Phone Banking.
An account that rewards you with bonus interest for regular saving to help you save faster.
An everyday bank account that has all the features to help make managing your day-to-day money a breeze
A business savings account that allows you to set money aside for payments such as GST and other taxes.
This product is a specific purpose account for members of professional associations such as solicitors, real estate agents, conveyancers, motor dealers who are required to meet specific legal requirements when holding and managing funds on behalf of their clients.
A basic, low-cost account for individuals who hold a Concession or Health Care card, receive an Australian Government benefit payment that makes you eligible to hold a card, or are a low or no income earner.
Foreign Currency Accounts would mainly suit the business involved in both import and export as a Foreign Exchange Risk management tool.
Retirement Access Plus is a transaction account for eligible retirees aged 55 or over to deposit and withdraw funds by various channels including Visa Debit Card and also offers interest on account balances.
The Investment Cash Account is a bank account that offers a variable interest rate, with easy access to funds. It can be used to make deposit and withdrawals through a variety of channels for individuals and Self-Managed Superannuation Funds (SMSF).
The Bank of Melbourne Society Cheque Account is a transaction account for not-for-profit organisations to deposit or withdraw funds by various channels.
Term Deposits
2Lock away your money for a period of time and get a guaranteed return
Get a fixed interest rate for your fixed term investment.
Home Loans
5Our full-featured variable rate loan, with an offset account and redraw.
Lock in a little certainty with a fixed interest rate for 1-5 years.
Our no-frills variable home loan rate, with redraw and no establishment or ongoing monthly fees.
Ready to buy your new home but haven't sold your old one yet? Our relocation loan could let you buy now and sell later and make your move smoother.
Ready to buy your new home but haven't sold your old one yet? Our relocation loan could let you buy now and sell later and make your move smoother.
Credit & Charge Cards
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Our top-tier credit card for Qantas point lovers
An everyday card with a low rate on purchases, and a low monthly card fee.
Our mid-tier credit card for Qantas point lovers
Our top-tier credit card that lets you earn Amplify points
Our mid-tier credit card that lets you earn Amplify points
Amplify Business is a personal liability business credit card that rewards you for your business expenses. Earn something more rewarding with uncapped points on eligible business purchases.
A low interest rate on purchases to help manage your business cash flow
Personal Loans
3Our secured loan offering to provide you with lower interest rates with your car as a security for the loan
Our unsecured loan offering to meet your requirement for car, renovation, consolidation of debt or something else.
Our unsecured loan offering to meet your requirement for car, renovation, consolidation of debt or something else.
Business Loans
6With one of the longest business lending terms in the market, we can help you grow your business whilst optimising your repayments.
A goods loan is the most popular type of business vehicle and equipment finance. With a goods loan, you source the vehicle and your business owns the vehicle from the beginning of the loan term without tying up valuable working capital. The loan is generally secured against the vehicle and your business can usually claim the interest on payments and depreciation if the vehicle is used to produce income.
A Commercial Hire Purchase is an agreement for the Bank to purchase an asset at the customer's request. The Bank gives the customer possession and use of the asset in return for regular repayments. Once fully repaid ownership in the asset is transferred to the customer.
With one of the longest business lending terms in the market, we can help you grow your business whilst optimising your repayments.
A flexible term lending facility of $250,000 or more with market-linked pricing. Suitable for businesses seeking funding for; business acquisition, expansion, or investment in property, plant or equipment.
Our Construction Loan offers flexible finance options to suit the needs of property developers.
Overdrafts
2Easy access to approved finance to manage everyday business expenses.
This product is for consumers who wish to obtain a flexible unsecured line of credit with a variable interest rate
Leases
2A Finance Lease is a tax effective method of acquiring eligible new or used vehicles or equipment for business use without tying up working capital. The Bank makes the purchase and rents it to the borrower for the agreed term
As part of our salary sacrificing arrangements you can lease a car and pay your lease and running costs from your pre-tax salary with our Novated lease offering
Data published by Bank of Melbourne under the Consumer Data Right · ABN 33007457141 · Register entry updated 1 July 2026 · View on CDR.gov.au