Phone plugged in to back up battery.

The backup you need when you need it.

13 .99 % p.a. Annual variable rate.
Phone plugged in to back up battery.

Easy access to funds.

Additional funds for emergencies.

Only pay interest on money used.

Apply online.

A helping hand when you might need it most. If your bank balance dips a little low, a Defence Bank overdraft facility offers the safety net of additional funds at short notice for unexpected emergencies.

An overdraft can also help if you're juggling multiple direct debits to ensure everything is covered until your salary arrives.

Linked to your Everyday Access account, you can simply draw money as you need it, up to an agreed limit, only paying interest on the money you use – perfect for covering short-term financial demands.

Access your overdraft using your Debit Card, Online Banking, Mobile App or digital wallet.

Overdraft. Annual variable rate.†
Overdraft. 13.99% p.a.
Loan variation fee. $50
Overlimit fee. $10
- Each time your account exceeds its credit limit by more than $50.00 without authorisation.  
- Daily for subsequent debit transaction/s where your credit limit is already exceeded by more than $50.00.  
Arrears reminder notice fee (per letter). $20
Default notice (enforcement notice). $20



Comparison rate is based on a $30,000 loan over a 5 year term. Fees and charges are payable. Terms and conditions are available on request. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate applies to both secured and unsecured loans.

Fees and charges are payable. Terms and conditions available on request.

All products except foreign currency and insurance are issued by Defence Bank. Defence Bank recommends you read the Defence Bank Products and Services - Conditions of Use for any product you choose to take. Any advice contained on this website is general advice only.

Next steps...

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Use our useful tools like the budget planner to get a hold of your finances.
Any questions? Talk to one of our experienced, helpful staff.
Start our fuss-free online application process to get things going.

Frequently asked questions.

You can buy a new or used car or motorcycle with a car loan.

Great news! There are no fees for paying out your loan early.

The maximum loan amount is dependent on a number of factors, including a borrower’s ability to service (pay) the loan. Call us on 1800 033 139 to discuss your needs.

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