Weed whacker trimming grass.

Fees are like weeds - so we’ve cut them back.

Weed whacker trimming grass.

Low-fee, fuss-free banking is at the core of what we do, offering everything you need with convenience and ease-of-use, without letting fees get in the way. There are some fees from third parties we can’t get rid of totally, but we certainly slash them back every chance we get.

Credit card.

When you think credit cards, you might immediately think fees - but that’s not the case with our True Blue credit card. With a low annual fee of $45, one of the industry’s lowest rates and an interest-free period of 55 days on all purchases, True Blue is a simpler, lower-fee way to use your money.

Find out more about our credit card.

Everyday banking.

No one wants to pay to access their own money. That’s why on our Everyday Access account, you’ll enjoy unlimited transactions with no ongoing or account-keeping fees. Get access to your own cash for free too, with more than 7,000 fee-free ATMs around Australia, including Defence Bank ATMs and those of the other major banks.

Learn more about everyday banking with Defence Bank.


Keep more of your money in your pocket when it comes to saving, whether it’s for a home, a holiday or something set aside for a rainy day. Both the Max eSaver and the iSaver accounts provide a great savings rate and no monthly, transaction or account-keeping fees, so more of what’s yours stays yours.

Find out more about how we can help you save.

Home loans.

None of our home loan options charge an application fee, but it's those that come with our Ultimate Package that save you the most over the life of your loan. For a streamlined annual fee of $380, you get no annual or monthly fees, plus a range of big savings and waived fees across credit card, insurance and personal loan products.

Find out more about our Ultimate Package.


For more security in retirement and fewer fees along the way, it’s hard to go past our dedicated Retirement Savings Account (RSA). Get the security of a term deposit with the tax advantages of retirement superannuation, while being certain of a positive return on your account. And all with zero joining, investment, administration, account keeping or monthly fees, or any commissions to financial planners.

Learn more about our superannuation products.

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.