Welcome to ADFA!

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We'd like to be one of the first to say Bravo Zulu! <<Not sure if this is relevant outside of Cerberus - will check>>

We know you've worked hard to get to ADFA. That's what makes us Australia's Defence Bank - we get ADF life.

$50 for joining us.*

Okay, we know why you're here and that your time with your phone is short - so lets get to it...

If you're 17 or older, an ADF recruit and haven't been a member of Defence Bank in the past, here's what you need to do:

1. Visit the Defence Bank branch across the courtyard from AAFCANS where our friendly staff will help you open an account.

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2. Link your Defence pay to your new Everyday Access transaction account for a minimum of two consecutive pay cycles.

See the full terms and conditions.

That's all you need to do. But we're good for more than just free money! You might be surprised at what else we can offer you...

A unique bank, for a unique life.

We understand that no two days are the same at ADFA.

One day, you're deep in study, mastering military strategy and leadership; the next, you're out on field exercises, putting theory into action. Some days, you're training alongside future leaders in the classroom, next minute, you're navigating a challenge course with your squad.

Life at ADFA is unlike any other. That’s why you need a bank that understands your unique journey. We’re the bank that gets it.

Everything you need.

Our Everyday Access account is full of features for easy and convenient access to your money.

  • Tap and pay with your compatible mobile or wearable device using Apple Pay, Fitbit Pay, Garmin Pay, Google Pay or Samsung Pay.
  • Withdraw cash fee-free at all the "Big 4" banks' and Defence Bank ATMs, in-branch, or at the Post Office.
  • Choose from four Visa Debit card camo designs.
  • Real-time payments via PayID and Osko.
  • Open an account and get instant access to your digital card details for purchases on your mobile device.
  • No monthly account-keeping fees.

Speak to our friendly staff in-branch to learn more about our Everyday Access account.

An award-winning app.

Winner of the 2023 Mozo Experts Choice Award - Excellent Banking App, our app is user-friendly and packed full of features, it's the simple way to take control of your finances on the go.

  • It's easy to see where and when you spend your money, thanks to detailed transaction data in plain language from Look Who's Charging.
  • Make every cent count with our Round Ups savings feature. Round up your purchases to the next dollar to automatically grow your savings while you spend.
  • Lost your card? On-demand card controls make it easy to instantly freeze your card or re-activate it.
  • Other useful features like Spend Tracker, secure messaging, Quick Balance, customisation tools and more.

*$50 joining bonus available to new Defence Bank members who open an Everyday Access Account or Cadet Saver at the ADFA Open Day on 16 August 2025 and make six contactless payments via their Visa Debit card or digital wallet within 60 days of opening their account. Limited to one account per member. $50 credit will be paid into their new account within 60 days after qualifying.

Privacy/Use of Personal Information clauses:The Promoter collects personal information ("PI") in order to conduct the promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in its Privacy Policy, which can be viewed at https://www.defencebank.com.au/privacy. The Privacy Policy also contains information about how claimants may opt out, access, update or correct their PI, how claimants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with.

The Promoter collects personal information ("PI") in order to conduct the promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in its Privacy Policy, which can be viewed at https://www.defencebank.com.au/privacy. The Privacy Policy also contains information about how claimants may opt out, access, update or correct their PI, how claimants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with.