Man paying with smart watch.

Everyday Access.

Your on-the-go transaction account.

Man paying with smart watch.

No monthly account fees.

$0 monthly account-keeping fees mean you can maximise your savings.

Choice of camo card design.

Choose from a blue, green, grey or pink Visa debit card.

Fee-free cash withdrawals from thousands of ATMs.

Fee-free cash withdrawals at Defence Bank ATMs, atmx machines or from any of the big four banks’ ATMs nationwide.

Open an Everyday Access account in under five minutes.

If you're an existing Defence Bank member, welcome back! Opening an Everyday Access account is fast and easy.

New to the bank? In that case, we'll just need a few details and you'll be on your way.

It's easy to update your pay.

Once you're a Defence Bank member, provide your employer with our BSB (833 205) and your Everyday Access account details, (account number and name), then confirm when you would like them to commence depositing your pay to the account.

Wondering how to change your banking details in PMKeyS?

For our members in the ADF, follow the below steps to update your details in PMKeyS.

  1. Log into PMKeyS.
  2. Navigate to ‘My Pay’ and click on the ‘ADF Banking Details’ tab.
  3. Click on ‘New’ to create new banking instructions from a date of your choosing.
  4. Click on ‘Modify’ under Future Banking details and enter your Defence Bank details.
  5. Click on ‘Save’.
  6. Complete a AF033 form to update ROMAN direct credit instructions if required.

Don't pay ATM fees!

Need cash? We've expanded our network of fee-free ATMs. Pay no withdrawal fees on thousands of ATMs nationwide.

Find out more.

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Award-winning service.

We're back-to-back winners of WeMoney's Defence Services Bank of the Year award - three years in a row.

See all 14 of our 2024 awards.

Tools and calculators.

Budget planner.

Calculate your regular income and expenses and make a plan for your savings.

Deposit planner.

Track your projected savings over time, including interest, so you can calculate how long you'll need to save for a certain goal.

Expense planner.

A simple tool that helps you itemise and collate your regular expenses so you know what you spend in a typical month.


Grow your savings with flexible access to your funds and an introductory bonus interest rate.

Term deposits.

Combine some patience with our competitive rate for a return on your investment.

Money saving tips.

Find helpful tips and tricks in our blog.

We may change our fees and charges and interest rates from time to time. For more details on our fees and charges, refer to the Fees and Charges Schedule (Domestic Transactions) and Fees and Charges Schedule (Overseas Transactions). For more details on interest rates, refer to the relevant interest rate schedule.

We also publish a brochure - ‘Tips on Reducing your Banking Fees with Defence Bank’ - which can be obtained via, by visiting your local branch or calling 1800 033 139.

All products except foreign currency facilities and insurance are issued by Defence Bank. Before acquiring a product, Defence Bank recommends you read the relevant terms and conditions relevant to the product, All documents are located here.

Any advice contained on this website is general advice only and does not take into account your needs, objectives or your financial situation.

Defence Bank’s Target Market Determination can be viewed here.