Managing your day-to-day just got easier

Take the hassle out of managing your everyday spending with a YouMoney account, or choose one of our other transaction or savings accounts. 

YouMoney. Extraordinary banking.

YouMoney is super smart banking that starts with an account1. Once you try it, you’ll never want to go back. Your YouMoney transaction account opens the door to: 

  • Multiple accounts for your savings and everyday use
  • A smart money-management tool
  • Beautifully simple internet banking

Get organised

With a range of tools at your fingertips it's easy to be organised. Open and close up to 25 everyday accounts as and when you need them. On top of this,  you can also open and close savings accounts.

See your progress

It’s quick and easy to set a savings goal, no matter what you’re saving for. The progress bar lets you see how you’re going and helps you to stay on track.

Hone in on the detail

Now you can split your money up the way you spend or save it. With enhanced visibility of your accounts, there's no excuse for lazy dollars or idle pennies — you can put each one to work.

Have fun

Take the hassle out of banking, quickly transfer between accounts and pay bills with drag and drop - it's a whole new way to pay. Plus you can put your own stamp on it by attaching images to each payee or account.

Our transaction accounts

Manage your everyday spending effortlessly with one of our transaction accounts. See our rates and fees


Our most popular transaction account. Get unlimited transactions on up to 25 accounts, and unlock the full features of online banking. 

Get YouMoney

More about YouMoney


A good option for homeowners. Use the credit balance of your TotalMoney accounts to reduce the amount of interest you pay on your home loan and you could shave years off the length of your loan. 

Get TotalMoney

More about TotalMoney

Our savings accounts

Whether you're saving towards a goal or for a rainy day, our savings accounts make it easy.  Interest is calculated daily and paid monthly and all our rates and fees are subject to change. See our rates and fees.

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Rapid Save

Earn bonus interest if your balance increases each month (on top of any interest earned), and you make no more than one withdrawal per month2. Your bonus interest is not affected by any Rapid Save fees.

Interest rate

% p.a. Total rate
-% base + -% bonus)

Get Rapid Save

More about Rapid Save

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Personal OnCall

Access your money whenever you need and still earn interest. A good option if you need to dip into your savings from time to time.3

Interest rate

-% p.a.

Get Personal OnCall 

More about Personal OnCall

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Group your everyday TotalMoney accounts together (yours plus other family members) and earn interest on the combined balance.4

Interest rates

  • -% p.a. (-)
  • -% p.a.(-)

Get TotalMoney

More about TotalMoney 

Quick and easy access to your money

Flexi Debit Visa is an everyday card you can use for your day-to-day expenses, online shopping, or overseas wherever Visa is accepted.5

Get a Flexi Debit Visa

Find out more

Small Print

Account opening, lending criteria, terms and fees apply. Establishment fee and facility fees also apply.

  1. YouMoney is only available for individuals and joint accounts. 
  2. A month refers to the period from the last business day of the previous month to the second to last business day of the current calendar month. For the month that an account is opened, the opening balance is nil. In order to qualify for bonus interest, a deposit must be made to the account at any time before the end of that month. Bonus criteria regarding one withdrawal a month still applies.
  3. Personal OnCall is not available for Companies and Trusts.
  4. Maximum of 50 accounts in a TotalMoney group. Establishment fee and facility fees apply. 
  5. A $10 annual account fee applies.