Say hello to your new Defence Bank card.

Got a shiny new Everyday Access debit card in your hot little hand? Good news is, it'll only take a minute to get it going.

Here are some easy steps to help you set up your new Everyday Access card. Before you get started, you'll need the latest Defence Bank mobile app.


Get to know your Everyday Access.

Welcome to Everyday Access, an everyday transaction account but not as you know it. Get ready for some serious savings and rewards, when you:

  • deposit at least $1,000 each month - from an external source to any personal ING account in your name (excluding Living Super and Orange One) and
  • make 5+ eligible ING card purchases that are settled (not pending) each month

Do this each month, and these benefits could be yours the following calendar month:

You could get 1% cashback when you pay any eligible gas, electricity and water bills with your Orange Everyday account by BPAY, PayTo (when available) or Direct Debit using your BSB and account number (up to $100 per financial year). T&Cs apply.

Up to a total of 5 rebated ATM withdrawals each month across Australia and overseas. Excludes international ATM operator fees from 1 Aug.

$0 ING international transaction fees when you shop online and overseas.


If you have a Savings Maximiser added to your account, you could earn our highest variable savings rate. Simply:

  • meet the above criteria, and
  • grow your nominated Savings Maximiser balance so that there's more in it at the end of the current month than there was at the end of the previous month. When we assess whether you've met this balance growth requirement for the month, we do not take into account any interest earned on your account in that month.

Do this each month, and this could be yours the following calendar month:

5.50% p.a. Variable Interest

(Incl. 4.95% p.a. additional variable rate + 0.55% standard variable rate)

Available on one Savings Maximiser account on balances up to $100,000. If you do not satisfy the conditions to receive the additional variable rate, the Savings Maximiser standard variable rate (currently, 0.55% p.a.) applies.

(ING) Transfer money to activate your account.

Transfer money to activate your Orange Everyday

To activate your Orange Everyday, you'll need to pop some money in the account. Simply transfer from another account using our BSB (923 100) and your account number. You can find these details in online banking or in the ING mobile app.

Transfers can happen instantly or can take up to 2 business days.

Make sure you activate your Orange Everyday within 30 days of opening to avoid your account being closed.

Transfer money to activate your Savings Maximiser

If you have a Savings Maximiser, you'll need to transfer money to your Savings Maximiser account to activate it.

Set up PayID.

In your mobile app.

  1. Login and select Manage Accounts then Manage PayID.
  2. Select Create new PayID and choose your unique identifier.


Via Online Banking.

  1. Log in to Online Banking
  2. Select Accounts and then Manage PayIDs. Simply follow the prompts.


(ING) Tip: If your chosen mobile number or email is already registered with another bank, you'll need to contact them to de-register your details. You can have multiple PayIDs, but each individual PayID (for example, your mobile phone number) can only be linked to one account.

Update your pay.

Let your employer know your new account details

Is your salary being paid into the right account? Now's a great time to give your employer your new Defence Bank account details - our BSB (923 100) and your account number or complete our handy salary transfer form and share it with your payroll peeps.

Get salary deposit form.


Activate your card.

With our Quick Cards feature you will have already received an instant digital card in your app, with only digital wallet transactions enabled. Now that you have your new card you will need to activate it by enabling card controls for tap and go, ATM, in-store and online purchases. Simply login to your Online Banking or Defence Bank app and follow these steps.

Step 1.

Log in to the Defence Bank app.


Step 2.

Go to Manage Accounts > Manage Cards.


Step 3.

Select the card you wish to activate > select Card Controls.


Step 4.

To activate, simple tap the card control button you wish to enable and it will highlight.


* Your digital wallet transactions will already be enabled to allow for your instant digital card to make transactions via Apple Pay, Google Pay.... [and the rest]. payWave options can be enabled once In-Store purchases is also enabled.

Forgot your log in details?
Download the app.
Activate your card online.

You have a new PIN.

Your brand new card also has a brand new PIN which has been randomly generated by Defence Bank.

You may wish to change this PIN to something you find more memorable. This can be easily changed in your mobile app or Online Banking.

Set up a PIN.

Go to Card Management, select your card and click on Change PIN. Follow the prompts and you’re done.


We recommend that before you make this change, read the following tips to keep your new PIN is safe and secure.

  • Don’t repeat numbers – like 1111 or 2244.
  • Don’t use consecutive sequences of numbers like 1234 or 5678.
  • Don’t choose your birthday or anniversary for you, your spouse or your family.
  • Don’t use a number from any form of identification that you keep with you in your wallet.
  • Don’t use any part of your address or telephone number.
  • Don’t reuse the same PIN (however tempting). Having a different PIN for each of your accounts reduces risk so they can’t all be immediately accessed if your PIN is compromised.
  • Avoid numbers such as 2580 - it’s the numbers in a row down the middle of the phone keypad.
  • Avoid 5683 - it spells love.
  • Avoid 0852 - it’s the numbers in a row up the middle of a phone keypad.

Set up your automatic payments.

Set up direct debits.

For extra security, your card comes with a new card number, CVC and expiry date.

So if you’ve set up direct debits or regular payment arrangements using your old card detail you will need to update to include your new card details.

For example streaming services such as Netflix or Spotify will need your new card details so you don’t miss a payment.

(ING) Here's our handy checklist.

(ING) Set up scheduled payments.

Scheduled payments make sure that all your bills come out of your account when they should - so you don't have to worry about remembering what to pay, when.

  1. In the ING mobile app. Go to Pay > Pay Anyone.
  2. Enter the Payee details and amount
  3. Select When?, Recurring payments and follow the prompts


Add cards to your mobile wallet.

Keep your Defence Bank Visa Debit card handy by adding it to your mobile wallet. It’s secure, easy to set up and keeps your money with you, wherever you are.

  1. Open the Wallet app.
  2. Tap the plus sign in the upper-right corner.
  3. Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select ‘Add a different card’ and use your camera to enter the card information.*


  1. Open the Apple Watch app on your iPhone.
  2. Tap Wallet & Apple Pay and select Add a Credit or Debit Card.
  3. Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select ‘Add a different card’ and use your camera to enter the card information.*


  1. Download the free Google Pay app from Google Play
  2. Add your Defence Bank card number
  3. Tap & Pay – no need to launch the app – simply wake your device to:
    Pay in person with a tap of your phone wherever contactless payments are accepted. Or Pay in-app by selecting ‘Buy with Google Pay’.


Tips and tricks.

(ING) Set up notifications.

Set up account alerts to track money coming in, money going out, when you make purchases or when your balance rises above or below a certain amount. Pretty handy, huh?

In Online Banking.

  1. Go to Notifications > Manage notifications and follow the prompts.

Once you've turned on notifications, you'll know instantly when a deposit, like your salary, lands in your account or when your balance drops below your budget.

You can change your notifications at any time.

Learn more.


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.

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.

If you’re a member of the Australian Defence Force (ADF), simply log into the Defence Restricted Network (DRN) and enter your new Defence Bank account details to direct your salary into your Defence Bank account.

If you’re not employed in the ADF, simply provide your employer with our BSB 833 205 and your account number to direct your salary into your Defence Bank account.

Depending on your device, you can download the app through Google Play or Apple App Store. The app is 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.

When you need us.

For questions or anything else, we're here to help.

Here for you on 1800 033 139.

Visit a branch.
With the most on-base branches across Australia, we’re closer than you think.

Chat with us.
We're available between Monday and Friday, 8am to 6pm (AEST/AEDT).