SpendOne SaveOne

Everyday spending and saving made easy*.


Zero Fee Spending

Receive your zero fee2 debit card and start spending.


Pay down your loan

Set goals to help pay off your SocietyOne personal loan faster.


Save as you spend

Round up your spending to put towards your savings using the Round-Ups feature.


Make instant savings

Automatically save a percentage of your deposits using Instant Save - just set and forget.



Looking for an everyday spending account1 with zero fees2?

With the SpendOne account you can use your debit card to tap or swipe in-store and shop online. You can transfer money from and to other accounts, make fast payments and withdraw cash from ATMs. And with the SocietyOne app, you have visibility over all your transactions, anytime, anywhere.



Ready to hit your saving goals and create better financial habits? With the SaveOne account the more you save, the more you could earn with variable interest on balances3.

• 1% p.a. on savings up to $10,000
• 2% p.a. on the part of the balance from $10,000.01 to $20,000
• 3% p.a. on the part of the balance from $20,000.01 to $30,000

With our flexible Instant Save option, you can automatically transfer a set percentage of any deposits into your SpendOne account to your SaveOne account.

Plus with Round Ups on everyday spending with your SpendOne account, each time you make a purchase you can put a little extra away into your savings.


Download the SocietyOne App and open an account today

On a desktop?

Scan this QR code using your phone.

Frequently Asked Questions

Get answers to all your personal finance questions.

* SpendOne and SaveOne accounts are financial products provided by SocietyOne Australia Pty Ltd (ABN 44 151 627 977, Authorised Representative no. 425717 of SocietyOne Investment Management Pty Ltd ACN 604 960 018 AFSL 477365). Accounts and debit cards are issued by Westpac Banking Corporation (ABN 33 007 457 141, AFSL 233714).

1 To open the accounts you must have a mobile device that can access the internet. Other eligibility criteria are set out in the Terms and Conditions, and include that you are an Australian tax resident only, have an Australian residential address, are at least 18 years old, and have an Australian mobile number and a valid email address. Refer to Terms and Conditions.

2 Fees may apply for the use of ATMs overseas and are charged by the ATM operator. You may also incur fees on card purchases made in foreign currencies.

3 Interest rates are subject to change. Interest is payable on balances up to a maximum of $30,000.

Each rate applies to the part of the total balance that falls within that bracket.

This means that depending on your total balance, different parts of it may be subject to different interest rates. E.g. With a total balance of $15,000, you would earn interest at 1% p.a. on the first $10,000, and interest at 2% p.a. on the remaining $5,000.

Rate change notice
As we are required to give 30 days’ notice to changes to interest thresholds and bands, the formal date of the new rates to come into effect is 04 September 2022. However, as customers will be better off under the new stepped interest rates and we want to give customers the opportunity to grow their savings more, sooner, we will be paying the increased rates from the date of the announcement, 05 August 2022.

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“QR Code” is a registered trademark of Denso Wave Incorporated.

Any advice in relation to the SpendOne and SaveOne accounts is general advice only and does not take into account your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate to you, having regard to your circumstances. A Target Market Determination for the SpendOne and SaveOne products is available at https://www.westpac.com.au/about-westpac/innovation/banking-as-a-service/tmd/