Concession Account
A low-cost account for individuals who hold a Concession or Health Care card, or receive an Australian Government benefit payment that makes you eligible to hold a Concession or Health Care card.
An everyday bank account with features to help you access your money with ease
Easy access to your money at home and overseas
Visa Debit Card
With a Visa Debit card you can use your own money to shop instore, online or over the phone. You can also use Visa payWave for purchases under $2003, so you all need to do is wave and go without needing to enter a PIN.
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Mobile Banking
Manage your money on the go with the Bank of Melbourne mobile banking app. Not only can you check your account balance with just a swipe, you can also transfer money between accounts or to someone else, find your nearest ATM and keep tabs on your transactions.
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.
Features to help you keep track of your money
Spend Tracker
All your transactions grouped into categories to help you track your spending habit2
Quick Balance
Know exactly how much money you have on hand at a glance on your smartphone or watch
Card Lock
Misplaced your card? You can place a temporary lock on your card for up to 15 days while you look for it
In detail
How to apply?
The Concession account is available to individuals who hold a Concession or Health Care card, or receive an Australian Government benefit payment that makes you eligible to hold a Concession or Health Care card.
A list of eligible payments can be found at Service Australia and Department of Veterans' Affairs.
Apply now online or apply in branch or over the phone
The Detail
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.
3. Our Bank of Melbourne Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted St.George promptly. Refer to your card’s conditions of use for full details, including when a customer will be liable.
To be eligible for a Visa Debit Card, you must have an Australian residential address and be 14 years old or over.
Read the Terms and Conditions (PDF 1MB) (PDF 627KB), including for fees and charges that may apply, before making a decision and consider if it is right for you.
Read the Google Pay Terms and Conditions (PDF 54KB) (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 54KB) (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.
Internet connection may be needed to make purchases using Apple Pay, Google Pay or Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.