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
Put your savings on autopilot. Set up automatic transfers each payday and grow your savings without having to think about it. You could earn bonus interest with a Max eSaver or lock away funds in a Term Deposit to help achieve larger savings goals.
Why it works
Automating your savings into Max eSaver helps you build good habits, stay on track towards your goals, and reduce the temptation to spend money meant for saving.
Tools to help
Savings accounts: Perfect for short-term goals.
Term deposits: Lock in funds and enjoy the certainty of a fixed rate for a set term.
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
Turn on Round-Ups and let everyday purchases help grow your savings automatically. Every transaction becomes an opportunity to put money aside without changing your spending habits.
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 like being in control and enjoy seeing your progress.
Your best move
Take a hands-on approach to your savings. Use multiple accounts and smart budgeting tools to organise your money, track your progress, and stay focused on your goals. For larger goals, consider a Term Deposit to keep your savings working for you.
Why it works
Separating your money into different accounts can make budgeting easier and help you stay on top of bills, spending and savings goals. With real-time insights and spending tools, you're always in control.
Tools to help
Multiple accounts: Organise your money for bills, spending and savings, and personalise accounts with nicknames.
Term Deposits: Put money aside for bigger goals with the certainty of a fixed rate and term.
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.
- iSaver
- Max eSaver
- Term Deposits
- Round-Ups Feature
- Defence Bank App Features
- Financial Tools and Calculator Page
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.
