everyday transaction account FAQs.

What’s the BSB number for my Everyday Transaction Account?

At ME, we use two BSB numbers for our ETA accounts:

  • 944 300
  • 944 600

Be sure to check your statement or internet banking to confirm your account’s BSB.

EFT transactions using your debit card

Electronic -access -webpage -table -debit -card

Am I eligible to open an Everyday Transaction Account?

You're eligible to open an Everyday Transaction Account if you are at least 16 years old and either:

  • an Australian citizen, 
  • an Australian permanent resident or 
  • an Australian resident for taxation purposes, and 
  • have an Australian residential address.

Note, the account holder should complete the application.

When can I start using my account?

Why wait? You can start using it right away.

We’ll send out your buck Debit MasterCard® within 10 business days of your account being opened. Once you’ve got your card in your hot little hands, you can activate it online or by calling us on 1300 307 986.

What is the minimum deposit amount?

There is no minimum deposit required. 

How do I activate my card?

Once you’ve got your card, the quickest way to get started is to activate it by choosing a 4 digit PIN. You can do this online, using our internet banking service.

You can also activate your card by calling 1300 307 986 anytime, day or night.

Looking for more info on activating your card?

Online? Here you go.

Over the phone? Here you are.

How do I deposit money into my Everyday Transaction Account?

There are a number of ways you can make deposits:

1. Salary Payments

The easiest way is to have your salary/income credited directly to your account. You will need to advise your Payroll department of your new account details.

2. Online Banking

Use ME Online Banking to transfer funds from an internal account or a nominated external account.

Alternatively, you can transfer funds from non-ME financial institutions into your ME Everyday Transaction Account by using the institution’s own online transfer system. You will need your BSB number 944 300 and your ME Everyday Transaction Account number.

3. Deposit Cash

Cash can be deposited at any Australia Post office displaying the Bank@Post™ symbol. All transactions made at Bank@Post require your card and PIN.

4. Deposit Cheque

You can deposit a cheque

  • at an Australia Post office displaying the Bank@Post™ symbol 
    • Australia Post cannot accept cheques that have been issued in joint names. You can mail these cheques to us.
  • by posting a cheque to us at

Transaction Banking - ME Bank
Reply Paid 1345, Melbourne VIC 8060

On the back of the cheque, write the account number you would like the cheque paid into.

Cheques must be made payable to either the cardholder depositing the cheque or to ME.

Once your cheque has been deposited into your account, please allow three to five working days for the funds to clear.

ME is unable to accept foreign currency cheques.

5. Regular Automatic Payments

Set up a regular automatic electronic deposit from another account into your Everyday Transaction Account. Simply download and complete the Direct Debit Form and return it by fax or mail to:

Transaction Banking - ME Bank

Reply Paid 1345, Melbourne VIC 8060

6. Other payments

If you receive regular payments such as dividends or rent, you can arrange to have them credited into your Everyday Transaction Account.

How do I withdraw money from my Everyday Transaction Account?

There are a number of ways you can withdraw money from your Everyday Transaction Account:

1. ATM

Receive free access to ME ATMs and our preferred ATM network of Westpac, St.George, BankSA and Bank of Melbourne ATMs. Open your ME Everyday Transaction Account from 31 July 2015 and receive a refund on fees incurred at all other ATMs in Australia within 30 days of the transaction.


Your buck Debit MasterCard can be used at any retailer displaying the EFTPOS symbol. This enables you to pay for goods and services using your debit card instead of cash. Many retailers also provide a cash withdrawal service at the time of purchase.

Just like withdrawing cash at an ATM, you can choose from 'SAV' (Savings) or 'CRE' (Credit). Credit gives you the added bonus of MasterCard's security features such as SecureCodeTM at participating merchants.

3. Bank@Post™

You can also withdraw cash using your card and PIN at any Bank@Post outlet.

Please note that a $2,000 limit per day, per card, applies to withdrawals made using a debit card. Also, retailers and other financial institutions may impose additional restrictions or transaction limits.

4. Online Banking

You can use ME Online Banking to transfer funds from your Everyday Transaction Account to other selected ME accounts or third party accounts (held at any Australian Financial Institution). An initial limit of $2,000 applies per customer per day, but this can be increased to any amount up to $20,000.


You can use BPAY via Online Banking to pay your bills from your Everyday Transaction Account. BPAY is registered to BPAY Pty Ltd ABN 67 079 137 518.

6. Personal Cheque

You can write a cheque if you have an optional cheque book. If you would like to set one up, please call us. Please note, cheque books cannot be issued to a person under the age of 18 years.

7. Bank Cheque

If you need a bank cheque, all you need to do is ask. There’s no need to go anywhere: just call us, and we’ll draw up a cheque and express post it to you. If it’s an emergency, let us know – in most areas, for an additional fee we can send it out by courier.

A bank cheque fee applies, see our Everyday Transaction Account fees and charges guide.

Can I have the Everyday Transaction Account with buck?

The Everyday Transaction Account automatically comes with a buck Debit MasterCard. You can choose the colour of your card, from Avocado Green, Pineapple Yellow, Lobster Red or Shark Blue-Grey. 

How is a buck Debit MasterCard® card different to an EFTPOS card?

A buck Debit MasterCard is just like a credit card, but it uses your own funds from your Everyday Transaction Account. You can use it anywhere MasterCard is accepted - just press 'Credit' when using the 'terminal' - and you are protected from unauthorised transactions at more than 30 million locations worldwide. Terms and conditions apply.

What is the ME pink card?

The pink card is part of our ongoing partnership with the National Breast Cancer Foundation (NBCF) – for every transaction our customers make using their pink Debit MasterCard, one cent is donated to help fund breast cancer research. 

What is Tap & go™?

Tap & go is like having the exact change wherever you go. Just 'tap' your card on the contactless reader. There's no signing your name or entering a PIN for purchases of $100 or less.

Can I withdraw money using Tap & go?

You can’t - when making a purchase, you can only withdraw cash by swiping or inserting your card into an EFTPOS machine, choosing ‘Savings’ and entering your PIN. 

Can I use my account overseas?

Absolutely, our buck Debit MasterCard lets you access your account at more than 30 million locations.

For more info on fees when using your card overseas, see the Everyday Transaction Account factsheet.

Can I use my account to make purchases online?

Yes. You can access your account with your buck Debit MasterCard, which allows you to shop securely online - using your own money.

Are there any fees on my account?

Yes. Please refer to the Fees & Charges Guide for a full list.

Can I open an Everyday Transaction Account for business use?

No, this account is for personal use only.

Will my Everyday Transaction Account appear on internet banking?

Yes, you can view your account details, transfer money and make payments using ME Online Banking. If you are not already registered for Online Banking, simply call us on 13 15 63 to register. If you already have access to ME Online Banking, you can use your Customer ID and Access Code to log in and access your account.

Will I earn interest on the Everyday Transaction Account?

No, the account does not earn interest. However, you can link your Everyday Transaction Account to our Online Savings Account, which is an account designed to earn high interest and provide easy access to your money.


Do I have to provide my Tax File Number when I apply for an account?

No. As the account does not earn interest, we do not require your Tax File Number (TFN). However, if you apply to open an ME Online Savings Account then you will need to provide your TFN. We are only authorised to use your TFN for lawful purposes.

How often will I receive statements for my Everyday Transaction Account?

Statements are issued quarterly at the end of March, June, September and December.

What do I do if my card is lost or stolen?

You can put a temporary block on your card using internet banking – that way, if you find your card later, you can just reactivate it.

You can also use internet banking to completely cancel any of your ME cards and order replacement cards.

Looking for more info on blocking or cancelling your card online? Here you go.

If you’d prefer to speak to someone over the phone about a lost or stolen card, just give us a call – if you’re in Australia call 13 15 63, or if you’re overseas call +61 3 9708 4001.

We’ll do whatever we can to help you out, no matter where you are.

If my card is lost, stolen or damaged is there a cost for replacement?

There is no charge for replacing your card if it's lost, stolen or damaged. If however, you request that your replacement card be sent to you by courier or change your card colour, a fee is required. Please refer to the Fees & Charges guide for more information.

What is secure chip technology?

For improved security, your buck Debit MasterCard features a microchip. This encryption chip technology helps prevent fraudulent use and authenticates your point-of-sale purchases or ATM transactions.

What do I do if I think there are unauthorised transactions on my card?

You can always check your recent transactions online – it’s a good idea to do this regularly, just to be sure.

If you think there might be unauthorised transactions, call us immediately on 13 15 63.