Managing things is everything.

You have to keep an eye on everything these days. Simply being able to look at your balance and send and receive money doesn’t cut it for the kind of modern banking you need. We’ve gone beyond the basics with a range of products and features that bring a new level of ease and convenience to the way you manage your money.

Everything you need in banking.

We may be known for our home loans, particularly for those that are DHOAS compatible for ADF families, but everything you’ll ever need for your finances, you can do at Defence Bank. From a range of Everyday and Savings accounts, to term deposits, insurance, travel options and loans in all shapes and sizes, we’re the bank tailor-made for Australia’s Defence community.

Calculators and tools.

The best financial decisions begin with a bit of planning, as well as understanding the details of all the options you have for your money. That’s why we provide a host of calculators and tools on our website that make a great place to begin making some of your biggest financial decisions. Looking to buy a house soon? Put yourself in the best position with calculators that help you determine your borrowing power and compare loans and repayment schedules. There are also budget and savings tools to help you get there faster.

Browse our calculators.

Our award-winning app.

Our banking app has heaps of features that make managing your money easier and more convenient, putting you in complete control. The in-built Spend Tracker compares your spending to the previous month, while the Look Who’s Charging feature identifies exactly where you spend your money. From Round Ups, Quick Balance and account nicknames to eStatements, Osko for immediate transfers and PayID, it’s always about your money, your way.

Learn about the features of our award-winning app.

Frequently asked questions (FAQs).

The questions you ask depend on where you’re at in terms of your career, whether you’re in the Defence community or the broader community, are single, married, planning on children, thinking short, medium or long term, prefer face-to-face banking or feel comfortable with the latest innovations in technology… so many questions, so many answers.

Learn more with our FAQs. 

Frequently asked questions.

Defence Bank offers financial products and services to not only the Australian Defence Force, but the broader community as well. Defence Bank is one of Australia’s larger member-owned banks.

You can download the app through Google Play or Apple App Store. It's packed full of features and free to download and use.



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.

Generate a password.

Log in to Online Banking.

Definitely. If you’re already a member, to open a new account (including new joint accounts) you can log into your app or online banking and follow the below instructions, or you can give us a call on 1800 033 139. If you’re not yet a member, you can join now and open accounts during the set up process.


  1. Login to your app.
  2. Under the main menu, select Manage Account and tap Joint Account.
  3. Select Open Joint Account and follow the prompts.

Online Banking

  1. Login to online banking.
  2. Under the main menu, select Products and tap Open Account following the prompts.

Find out how to join Defence Bank.


Not a member? Join Defence Bank now.
Our award-winning app gets you banking on the go.
Visit a branch and discuss your finances face-to-face.
Need to talk to someone right away? Call us now.