SpendME
The everyday account that does good, every day.
Fees
| Fee | Type | Amount |
|---|---|---|
| Debit Interest Rate (applied to overdrawn Accounts) Interest is charged on a daily basis on all debit balances and debited to the relevant Account monthly. | Event | $0.00 |
| Paper Statement - International Charged monthly · Charged for each paper statement that is required to be posted to an International Address. | Ongoing | $5.00 |
| International ATM Withdrawal Charged when a withdrawal is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner and should be displayed on the screen before proceeding with the withdrawal. | Withdrawal | $0.00 |
| BPAY, Pay Someone, Card Transactions There is no fee charged by BOQ for performing a BPAY Payment, Pay Anyone or making a Card transaction. Merchants may charge fee in respect of card transactions which should be advised to you at the time of making the transaction. | Payment | $0.00 |
| Unclaimed Monies Charged when the unclaimed monies process starts which is after 7 years of inactivity. | Other | $30.00 |
| Direct Debit Dishonour Charged for each direct debit that is dishonoured on the same day that the dishonour takes place. |
Features
- No withdrawal fees at thousands of Australian ATMs.
- Make payments and transactions in real-time. Send and receive money in an instant with PayID enabled accounts.
- Charged when a balance enquiry is performed at an ATM outside of Australia. A fee may also be charged by the ATM owner which should be displayed on the screen before proceeding with the enquiry or associated withdrawal.
- No overdrawn fees if you happen to overdraw your account.
- Make transactions all from the palm of your hand. Make your money mobile and pay on the go with Apple Pay, Samsung Pay or Google Pay.
- Manage your money easily. Set spending budgets on specific categories like groceries, bills and more. And get personalised insights and real-time alerts all in the palm of your hands with our handy banking app.
- Never miss a payment on your everyday bills or recurring transactions. We'll give you a heads up when your bills are due, so you can make sure you've got the funds available.
Eligibility
- Minimum age — 14 yearsFourteen (14) years of age or over
- An Australian mobile number
- An Australian residential address
- A smartphone that supports iOS 12.0+ or Android 8.0+.
- Individuals onlyApplying for a personal account and not in the name of a business or trust. There should be no more than two account holders for this account
- An Australian drivers licence or Australian passport or Medicare card
- Residency status — Resident or CitizenA citizen or permanent resident of Australia
More Information
Published by ME Bank - ME Go under the Consumer Data Right · Last updated 6 July 2026 · Product ID 77126e21-102c-ee11-9966-002248e1dc43 · View on CDR.gov.au