Summary
Before you get started, here's a quick recap of what you're applying for:
Complete Freedom
- An everyday account with a Visa Debit Card¹ to make deposits and withdrawals, payments online or on the Bank of Melbourne Mobile App
- $0 Account-keeping fee
- You’re at least 14 years old with an Australian residential address (under 14s apply in branch with a parent or guardian).
What kind of account do you need?
Are you already a Bank of Melbourne customer?
What to have handy?
- Your Bank of Melbourne Internet Banking logon details.
Ready to get started?
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Pensioner Concession, Commonwealth Seniors Health Card or Health Care card? You may be eligible for a Bank of Melbourne Concession account.
What to have handy?
Your mobile
A secure code will be sent to your mobile to verify your phone number.
Two of these ID documents
- Passport
- Medicare card
- Australian driver licence
- Australian birth certificate
If your details are entered incorrectly or we’re unable to identify you, your application will need to be completed in branch.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
Tax details
- Foreign tax information. Only applicable if you’re liable to pay tax in another country
- Your Tax File Number (TFN). Providing this isn’t compulsory, however if you don’t provide it or provide a TFN exemption reason, tax may be withheld on the interest earned on the account.
By continuing you agree:
- You have read our Privacy Statement which explains how we collect, use and disclose your personal information, including marketing communications we send to you
- You agree to provide your consents to us
- You will need to also acknowledge your obligations under AML/CTF and disclose if you have any other reporting obligations
- You agree to Financial Service Guide and Credit Guide (PDF 150KB), Internet and Phone Banking Terms and Conditions, Transactions and Savings /Investments Terms and Conditions (PDF 654KB)
- You agree to comply with all applicable Australian and International laws relating to the account(s) including any exchange control laws.
Ready to get started?
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Pensioner Concession, Commonwealth Seniors Health Card or Health Care card? You may be eligible for a Bank of Melbourne Concession account.
Are both applicants already Bank of Melbourne customers?
What to have handy?
- Your Bank of Melbourne Internet Banking logon details.
Ready to get started?
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Pensioner Concession, Commonwealth Seniors Health Card or Health Care card? You may be eligible for a Bank of Melbourne Concession account.
Complete your application in branch together
To open your joint account, you’ll need to visit a Bank of Melbourne branch together.
Please make sure you bring:
- Your tax details. We’ll need your Tax File Number (TFN) and if you’re a foreign tax resident, we’ll also need your tax residency details
- Suitable ID. You’ll both need to be verified separately.
You can use our Bank of Melbourne Identification Checklist (PDF 661KB) to work out which documents you’ll need for your situation.
To ensure we’re best prepared to help you, please call the branch first to make an appointment.
If you’re Aboriginal or Torres Strait Islander and don't have the required documents, call our Indigenous Call Centre on 1800 061 548, 9am – 6.30pm ACST or visit your nearest branch.
- Are you 55 years or over and retired? You may be eligible for a Bank of Melbourne Retirement Access Plus account
- Do you have a Pensioner Concession, Commonwealth Seniors Health Card or Health Care card? You may be eligible for a Bank of Melbourne Concession account.