Everyday Account + Visa Debit Card
You could get $40 cashback on your grocery shopping with our no-account-keeping fee, feature-packed Complete Freedom account*.
Hot offer for new Complete Freedom account customers:
Get $40 cashback on your grocery shopping
Open a Complete Freedom account, then activate your Bank of Melbourne Visa Debit Card to link it to your account and add to your mobile wallet.
Offer expires 30 Sep 2025. Customers ages 14+ only.
Spend at least $160 on your new digital Visa Debit Card within 60 days at Woolworths or Coles.
Mobile wallet only, either through Tap & Pay or online payment.
$40 cashback will be deposited into your account within 60 days of meeting the eligible spend requirement.
Customers who have held a Bank of Melbourne Transaction account in the last 2 years are ineligible for this offer.
T&Cs apply*
Freedom and control
Safer shopping with your Digital Card
It's a digital version of your debit card, available in the Bank of Melbourne App. Use it just like your physical card to shop online, pay bills, and set up your recurring card payments. The dynamic CVV refreshes in your App every 24 hours – making your card details even more secure and reduces the risk of fraudulent card activity by over 50%.
$0 international transfer fees
AUD $0 fee per transaction when you send foreign currency overseas via Internet Banking.
Internet and Mobile Banking
Manage your banking needs wherever you are with Internet Banking and features such as Quick Logon and Push notifications via the Mobile App. For more information please read Internet and Mobile Banking T&Cs (PDF 375KB).
Safe and secure banking
Card Lock
Instantly put your card on temporary lock if it's lost, stolen, or misplaced to reduce the risk of unauthorised transactions.
Notifications
Choose the alerts you want to receive to get push-notifications straight to your phone to monitor your account activity.
Fraud money back guarantee
We ensure 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.3
Get rewarded for banking with us
Your Visa Debit Card gives you access to great offers and benefits from some of Australia's best-known brands as soon as you've activated your card.
Shop through ShopBack. Get Cashback.
Link and pay with your eligible Bank of Melbourne debit card to get exclusive bonus Cashback when you shop on the new Bank of Melbourne Lounge on the ShopBack app.
Download the Bank of Melbourne App
The Detail
Read the Terms and Conditions (PDF 627KB), including for fees and charges that may apply, before making a decision and consider if it is right for you.
1. To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over.
2. My Offers Hub is available to eligible consumer debit and credit card customers only.
* $40 cashback offer:
To be eligible for this offer, you must:
1. Open a new Bank of Melbourne Complete Freedom account either online or in branch between 1st February 2025 to 30th September 2025 and have a linked Bank of Melbourne Visa Debit Card on the account.
2. Spend a minimum of $160 on eligible transactions (detailed below) within 60 days from the account opening, at Coles or Woolworths supermarkets (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers).
3. The offer will commence from the opening date of your Complete Freedom account.
- This offer is available only to customers who open a new Complete Freedom account, either online or in branch. Accounts opened via 3rd Party Brokers are excluded.
- To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years. For example:
- If you currently hold a Bank of Melbourne (BOM) account, you can still open a St.George or BankSA account and be eligible, as long as you haven’t held an account with St.George or BankSA in the last two years.
Eligible Transactions:
- Payments must be contactless, and made using your Visa Debit Card via a mobile wallet only, either through Tap & Pay or online payment (in-store tapping/swiping/inserting of physical cards is not eligible).
- When a mobile wallet is used, the payment option must be set to Visa.
- The minimum total spend of $160 at Coles or Woolworths supermarkets, (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers), must be processed to your account within the 60 days from the account opening. Refunds, cancelled purchases, and ineligible transactions (as listed below) are excluded.
Ineligible Transactions:
- EFTPOS cash-out only transactions, purchase of gift cards in a single transaction, third party grocery delivery services (such as Uber), purchases processed through PayPal, Buy Now Pay Later providers, and purchases settled via a linked credit card or Freedom card are ineligible.
- Refunds or cancelled purchases are ineligible spend.
- Joint accounts: Each cardholder’s Visa Debit Card contributes towards the 60 day spending requirement, but only one cashback reward will be issued per joint account. At least one account holder must not have held a Bank of Melbourne transaction account in the last 2 years.
- Account closure: The Complete Freedom account must remain open during the promotion period to be eligible for cashback. If the account is closed, you will forfeit any cashback reward that has not been credited.
Cashback Credit:
- $40 total cashback is available when you meet the $160 eligible spend within 60 days of account opening.
- Cashback will be credited within 60 days of meeting the eligible spend requirement.
- This offer is not available in conjunction with any other offer and can be withdrawn at any time.
- Fees and charges apply. Read the Terms and Conditions (PDF 1MB) (PDF 1MB), including for fees and charges that may apply, before making a decision and consider if it is right for you.
Important Note:
Newly opened Debit Accounts will not require approval. However, card delivery [generally] takes 7 – 10 business days to be mailed to customers.
Read the Apple Pay Terms and Conditions (PDF 31KB) 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.
Read the Google Pay Terms and Conditions (PDF 30KB) before making a decision and consider if it is right for you. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions (PDF 29KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.