Savings account
HomeME Account — ME Bank
Current savings rate from ME Bank. Compare the ongoing rate, bonus conditions, and eligibility in one place.
HomeME Account
View on bank website ↗The Bonus Interest Rate applicable to your HomeME Account will apply:For each calendar month where: a minimum of $2,000 was deposited into your SpendME account in the previous calendar month from an External Account. The SpendME account to which money is deposited must be held in the same name (sole name account) or names (joint names account) as your HomeME account; and 5.60% p.a. is payable on balances up to $100,000. 5.60% p.a. is payable on balances between $100,001 to $1,000,000 0.05% p.a.
Bonus rate applies on balances up to $1,000,000
Rate History
The HomeME Account rate has changed 2 times since we started tracking on 29 May 2026. Current rate: 5.60% p.a. — High: 5.60%, Low: 5.10%.
| From | To | Ongoing rate p.a. |
|---|---|---|
| 18 Oct 2026 | — | 5.60% Current |
| 4 Jun 2026 | 18 Oct 2026 | 5.35% |
| 29 May 2026 | 4 Jun 2026 | 5.10% |
What to know
This page focuses on the ongoing rate: 5.60% p.a.
To earn the full rate, you need to meet these conditions: The Bonus Interest Rate applicable to your HomeME Account will apply:For each calendar month where: a minimum of $2,000 was deposited into your SpendME account in the previous calendar month from an External Account. The SpendME account to which money is deposited must be held in the same name (sole name account) or names (joint names account) as your HomeME account; and 5.60% p.a. is payable on balances up to $100,000. 5.60% p.a. is payable on balances between $100,001 to $1,000,000 0.05% p.a.
If you miss the conditions in a given month, you earn only the base rate: 0.05% p.a.
This account has 3 balance brackets, each with its own rate — see the full breakdown below.
| Balance range | Base rate | Bonus rate | Total rate |
|---|---|---|---|
| $0 – $100,000 | 0.05% | 5.55% | 5.60% |
| $100,000 – $1,000,000 | 0.05% | 5.55% | 5.60% |
| $1,000,000+ | 0.05% | 0.00% | 0.05% |
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The information on this page is general in nature and does not constitute financial advice. Rates are subject to change — verify directly with the provider before making a financial decision.