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Find real peace and love with a new car loan.

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$0 monthly account keeping fees.

Digital banking convenience.

Bank anywhere, anytime.

Choice of Visa Debit card.

For whatever you need, for whatever’s ahead, our Everyday Access account is the way forward to managing your day-to-day banking. With a long list of convenient options and low-cost benefits, Everyday Access is the future of banking, and it’s right here, right now. Zero local transactional fees, extensive digital banking choices, access to our award-winning app and save-as-you-spend Round Ups: our Everyday Access account is ready.

Key features.

  • No monthly account-keeping fees.
  • Access to fee-free cash withdrawals at Defence Bank ATMs and also at all big four banks Australia wide - ANZ, Commonwealth Bank, Westpac and NAB.
  • All the convenience of digital banking.
  • Faster, simpler ways to make payments.
  • Your choice of camo-coloured Visa Debit card.
  • Save as you spend with Round Ups.
  • Immediate transfers between institutions.
  • Compatible with digital wallets from Apple, Fitbit, Garmin, Google and Samsung.

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.

Not a member? Join Defence Bank now.
Discover our resources for creating a solid personal budget.
Any questions? Speak to our experienced, helpful staff.
Why Defence Bank? Find out who we are.

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.

We’re always happy to see our members in person. Our branches can help you with anything from general account information to home loans. If the branch is on a military base, just give the branch a call to let them know you’re coming in so they can escort you.

Find your nearest branch.

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.


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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.