A life like no other deserves a bank like no other.
You do defence, we'll do the banking so you can focus on your new army career.
We get it.
You're embarking on a life like no other and we're here for whatever it throws at you.
Our bond with the ADF started way before your time, but your time is now, and we look forward to being part of it all.
Everything you need.
Our Everyday Access account is full of features for easy and convenient access to your money.
- No monthly account-keeping fees.
- Withdraw cash fee-free at Defence Bank ATMs and those of all the big 4 banks.
- Tap and pay with your compatible mobile or wearable device using Apple Pay, Fitbit Pay, Garmin Pay, Google Pay or Samsung Pay.
- Open an account and get instant access to your digital card details for purchases on your mobile device.
- Choose from four Visa Debit card camo designs.
- Real-time payments via Osko and PayID.
An app that members love.
Our app is one of the highest-rated apps in Australia, consistently rated higher than the big banks. 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.
Award-winning service.
We're back-to-back winners of WeMoney's Defence Services Bank of the Year award - 2022 and 2023.
We also took home 11 other awards.
Frequently asked questions.
Even though we’ve traditionally focused on the Australian Defence Force, you don’t have to be a Defence Force employee or relative to take advantage of Defence Bank’s products and services – membership is open to all Australians.
There is a daily limit on cash withdrawals over the counter transactions of $5,000 per day.
Where you may be seeking to withdraw an amount that is greater than the daily limit, you will need to contact your local branch and provide at least 1 business days’ notice before the withdrawal can be processed.
You’ll first need to be issued a password, then log in for the first time using your member number and the temporary password that will be sent to you as a text.
You can send a secure message to Defence Bank by logging into the Defence Bank app or Online Banking then following these steps:
App.
- Log in to the Defence Bank app.
- Select ‘Contact us’ within the menu.
- Tap ‘Secure Messaging’.
- Select the message icon at the bottom right of screen, select the address from the first drop down menu, type a subject, message and add an attachment if required, then when ready, select 'Send message'.
Online Banking.
- Log in to Online Banking.
- Tap on ‘Services’ from the top menu.
- Select ‘Secure Messaging’.
- Select the address from the first drop down menu, type a subject, message and add an attachment if required, then when ready, select 'Send message'.
You can receive a secure message from Defence Bank by logging into the Defence Bank app or Online Banking then following these steps:
App.
- Log in to the Defence Bank app.
- Select the 'you have new messages' notification on the home screen.
- Select the message, it will expand to fullscreen for you to read.
Note: If the message is from Verify Defence Bank, please do not respond to this message as the message is sent from an account that is not monitored.
Online Banking.
- Log in to Online Banking.
- Select 'View mail' from the mailbox of the side menu.
- Enter your validation code when prompted.
- Select the new message to read.
Note: If the message is from Verify Defence Bank, please do not respond to this message as the message is sent from an account that is not monitored.