Saving isn’t one-size-fits-all. Some of us love a plan, others prefer flexibility, and some like saving without even thinking about it.
We’ve identified three savings personalities to help you understand your style and give you practical tips to make saving easier in 2026.
Take the quiz to discover yours or explore all three below.
Savings Personality 1: The Planner
You like structure and automation.
Your best move
Automate your savings so you dont have to think about it each pay day, you may be able to take advantage of bonus interest on a Max eSaver or lock in term deposits for bigger goals.
Why it works
Regular transfers and accounts like the Max eSaver or term deposits keep you on track and protect your savings from temptation.
Tools to help
Savings accounts: Perfect for short-term goals.
Term deposits: Lock in funds for long-term security.
How to get started with automated savings
- Log in to the app, go to Pay > Pay Someone, and choose who you want to pay (BSB & Account number only).
- Enter the amount, select Schedule this payment, then choose Once (with a date) or Recurring.
- Confirm details, add a description, pick the account, and tap Schedule payment.
Learn more about savings account Compare term deposit
Savings Personality 2: The Spontaneous Saver
You like saving without thinking about it.
Your best move
Activate Round-Ups and let everyday spending turn into effortless savings.
Why it works
Small amounts add up quickly without changing your habits - perfect for short-term goals.
Tools to help
Round-Ups: Automatically save as you spend.
Everyday Access account: Simple, flexible, and linked to your savings.
How to get started with Round Ups
- Open the Defence Bank app and go to Manage Accounts > Round Ups.
- Choose your Everyday Access account and select where your Round-Up savings will go.
- Pick your Round-Up amount ($1, $5, or $10) and tap Start Saving.
Savings Personality 3: The Active Saver
You want control and like to action things yourself, you get satisfaction from seeing progress.
Your best move
Use multiple accounts and smart app tools to keep your savings accessible and organised and lock in term deposits for bigger goals.
Why it works
Separate bills from savings, track spending, and stay in charge with features like Spend Tracker and Payday Dashboard.
Tools to help
Multiple accounts: Manage money and give accounts nicknames for easy budgeting.
Defence Bank app features
- Spend Tracker
- Payday Dashboard
- Look Who’s Charging
- Card Management
Explore Defence Bank app features Compare term deposits
Your style is just the beginning. See how our tools can help you save smarter in 2026.
Important note: This information is of a general nature and is not intended to be relied on by you as advice in any particular matter. You should contact us at Defence Bank to discuss how this information may apply to your circumstances.
