Offset account.

Definitely. If you’re already a member and the account is only in your name, you can log into your online banking and open a new account under the ‘Apply’ section, or you can give us a call. If it’s a joint account, we can send you both the form to complete. If you’re not yet a member, you can join now and open accounts during the set up process.
Become a member.

 

Our Everyday Access account is free from account keeping, transactional, and transfer fees. The only fees that apply are if the account is used incorrectly, such as EFT decline fees and direct debit dishonours. For a full overview, have a look at our Fees and Charges Schedule.
View our fees and charges.

 

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.

Different accounts may have different fee structures depending on how you use them. You can find our full Fees and Charges Schedule below.
View Fees and Charges.

The Bonus savings rate lasts for six months for amounts up to $250,000.00

These accounts are held solely in the name of the minor member. As soon as a member turns 12, they have full control over their accounts, and we will always need to speak directly with them in regards to their membership.

When you turn 18, you’re eligible for an Everyday Access account. We can convert this account for you easily if you get in touch with us, and it will keep the same numbers and details.
Contact us now.

There are a few options available, including using online banking, our mobile app, attaching a Visa debit card to the account, or you can head into any of our branches to speak to one of our friendly staff.
Download our app.
Find a branch near you.

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 my nearest branch.

You can open a Salute account each time you reach one of the milestones below for the first time.

  • You have reached 15 or 25 years of service in the ADF.
  • You are deployed.
  • You start receiving a seagoing allowance.
  • You retire from the ADF.
  • You resign from the ADF.
  • You are discharged from the ADF on medical grounds.

If you’re unsure, simply give us a call on 1800 033 139, and we’ll be more than happy to check for you.
Find out more about the Salute account.

Your interest rate will revert back to the standard Salute account rate.

You can have as many as you like! There are no account keeping fees, and you can name them whatever you like to distinguish them in your online banking.
Find out more about Everyday Banking accounts.

You can open as many savings accounts as you like! When it comes to the iSaver however, just remember that you can only have the introductory rate on the first one that you open.
View savings accounts.

It may depend on the medical condition. We will run through a brief medical assessment with you on the phone to establish your eligibility while organising a quote.
Find out more.

 

This product is best suited for personal travel, yes.
Find out more.

We’re unable to start a policy from an overseas location, and the journey must begin and end in Australia.

You will need to have a different policy for each property so we can ensure they are properly covered for their individual circumstances.
Find out more.

For a full list of what is covered under Landlord Insurance, you can refer to the Product Disclosure Statement.
View PDS.

A great analogy to think about is if you tipped the room upside down, anything that would fall out counts as contents that can be covered. This also includes cover for incidents like accidental breakage of glass, mirrors and the like, burglary or break in, theft, attempted theft, vandalism and more to give you peace of mind. For more details of excluded contents, you can refer to the Product Disclosure Statement.
View the PDS.

It covers contents in communal residential barracks. If you are living in another type of housing, we can give you a quote for home and contents insurance.
View insurance options.

While there is no temporary option, you can cancel the policy at any time directly through CGU.
View more about Barrack Room insurance.

Contents are covered up to 270 days (from the time of application) if the room is unoccupied.

Funds can be withdrawn early from a term deposit at any time during the term for a $30 fee, and an interest rate reduction may also apply. Simply get in touch so we can send you the form to fill out.
Contact us now.

Our minimum term deposit is $1,000, and there is no maximum amount you can get started with.
Learn more about our term deposits.

While interest rates for new term deposits may change during your term, this will never affect a deposit that is part way through its term. That rate is locked in for the agreed amount of months.

While it’s not possible to add funds during the term, you can add any funds at maturity for the next term. We’ll send you the form in the post up to a month before the maturity date to ask you what you’d like to do, and you can note on the form that you’d like to add funds, and send it back to us.

No, there are no fees to pay out your loan early. Paying off a loan early usually means you save money on interest over the life of your loan, making it a great step financially if you can afford to do so. This is why we have no fees in this instance, encouraging you to make the best decision for yourself.

While there is no set maximum amount, we often require a vehicle to be held as security over loans of a higher amount. If there is a suitable vehicle, we can assess the loan on its own merit.

Congratulations on being so near to paying off your loan. The process of paying out the remainder of your loan is different depending on the type of loan you have.
If you want to pay out your home loan, you’ll need to contact your personal home loan consultant. Our helpful staff at our Contact Centre or in-branch can let you know who that is if you’re unsure.
If you want to pay out your car loan or personal loan, we can provide you with a payout figure up to one week in advance of the requested payout date. This figure can change day to day, and we need to make the final payment into the loan to close it off. Once you’ve spoken to us and transferred the right amount into one of your everyday accounts, we’ll keep an eye on it and make sure it’s closed off for you.

Interest rates may vary depending on when you apply. You can find our current lending rates below.
View lending interest rates.

An overdraft is more of a background facility that kicks in when you’ve exhausted all of your own funds in the account. The interest on an overdraft starts being calculated the day any transactions are made using that line of credit, whereas the credit card has up to 55 days interest free. While the interest rate on an overdraft is higher, there are no annual fees or transfer fees.

Our car loan only applies to any vehicles that are five years or under. If a vehicle is over five years old, our personal loan is a good option. It’s also the way to go if you’re borrowing for another purpose like a holiday, wedding or home renovation.

Interest rates may vary depending on when you apply. You can find our current lending rates below.
View lending interest rates.

To be eligible for a car loan, the vehicle must be 5 years old or newer. Any vehicle over 5 years old will be processed as a personal loan.

The minimum value for any of our loans is $1,000.

Interest rates may vary depending on when you apply. You can find our current lending rates below.
View lending interest rates.

 

We will need to take security over a suitable vehicle of a similar value for the life of the loan.

A debt consolidation loan is when you combine two or more external debts into one to make repayments easier. This can include car loans, personal loans, or credit cards.

We’re more than happy to order you a camo designed card! They came in Army green, RAAF blue, Navy grey and pink, and are only available on our Visa debit cards. We will need to cancel your current card and order a new one, which will have different card numbers and a new PIN.

Yes, there is - and it depends on how you use your card.

  • If you’re using PayWave, there is a $300 daily limit, and a limit of $100 on each transaction. For any transaction over $100, you have to insert or swipe your card and enter your PIN.
  • When inserting or swiping your card, there is a $1,000 limit, which also takes into account cash withdrawals. If you need to spend over this amount, you can insert the card, press ‘Credit’ and enter your PIN, and spend up to what is in your account. Be aware that the merchant may charge a surcharge for this option.
  • If you’ve loaded your card into your digital wallet, you can spend up to what is in your account.

Defence Bank offers Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay. You can set your cards up through the Defence Bank app, or directly through your phone depending on the device. There are no additional charges by Defence Bank to use these services.

There are no standard fees for using our Visa debit card. The only fees that may apply are for EFT declines, which incur a $1.50 fee per decline.

Be a Navy Health member for life.

Once accepted as a member of Navy Health you are entitled to lifetime membership eligibility. This means you or your family members can join Navy Health in their own right at any time in the future.

You and your family will still be eligible even if you:
• Discharge from the ADF.
• Need a period without private health insurance.
• Would rather wait until later in life to take up private health insurance.

Lifetime eligibility means you will have access to all the benefits of a not-for-profit organisation that ensures benefits are given back to members allowing for lower premiums and higher benefits.

There are no qualifying periods if you are accepted for membership after transferring a current membership from another Australian Registered Private Health Insurer and had an equivalent level of cover, and completed all waiting periods*.

Normal waiting periods will apply to those aspects of Navy Health cover not covered previously by your previous insurer, and for those items specifically nominated within the products as requiring extended waiting periods. Waiting periods will also apply if you join Navy Health after 30 days from leaving your previous health insurer.

Navy Health will not pay immediate benefits at a higher level than those provided by the previous insurer. Navy Health annual limits will be reduced by the amount of benefit already paid by the previous insurer for similar services in the current benefit year of transfer. The Clearance Certificate Application may assist you with your transfer to Navy Health.

*Please note: waiting periods will apply if joining Navy Health after 30 days from leaving your previous health insurer.

Medicare does not cover Ambulance cover and different states have different arrangements. Navy Health includes comprehensive ambulance cover on all policies. We cover 100% benefit for ambulance services within Australia provided by a state or territory registered ambulance service, by either air, sea or land. We do not provide benefits for privately run patient transport services, such as Flying Doctor Services, Care Flight, etc.

You can find all of our RSA interest rates at the link below.
View all rates.

Our RSA product has the unique features of no joining, ongoing, investments, administration, monthly, or account keeping fees, and there are no commissions paid to financial planners.
Find out more about our RSA.

You can log in using your Defence Bank member number and you will be able to see your balance. If you’re unsure of your Defence Bank member number, simply get in contact with us so we can provide it to you.

  • Our Offset account is a convenient way to save yourself money on your home loan.
  • Money is readily available.
  • The interest you save on your loan can be greater than interest you earn in a regular savings account.
  • It’s a day-to-day transactional account with convenient card access, including digital banking and access to our award-winning app.

First, to have everything run super smoothly, you’ll need to have the facility set up by your home loan consultant. Or contact your nearest branch or our Contact Centre on 1800 033 139 to arrange. Once your home loan is linked to the Offset account, simply make a deposit. You can choose to add a Visa Debit card to your account for easy access. However, try to maximise every dollar and keep as much money in the Offset account as possible.

You can also have your salary, or other deposits, credited straight to the Offset account. That way, you get the immediate benefit of saving on your home loan interest.

Every dollar you have in your linked Offset account saves you interest every day it’s there. Even maintaining a balance of a few hundred dollars can save thousands in interest.

Your home loan interest is worked out each day, calculated on the balance of your loan (and then charged monthly).

The Offset account works by using 100% of the balance to ‘offset’ or effectively reduce the portion of your home loan accruing interest. For example, if your Defence Bank home loan had a balance of $350,000 with $50,000 linked to our Offset account, you would only pay interest on $300,000 of your loan balance.

The Offset account can be linked to selected home loans with variable interest rates, including construction loans.

An offset facility is not available during a fixed rate period.

The deposit amount depends on the type of home loan you’re looking at. It’s best to have a chat to a home loan consultant to find out, and we can provide a referral for you if you give us a call on 1800 033 139.
Look at our home loan options.

DHOAS, or the Defence Home Ownership Assistance Scheme, is a subsidy provided by the Department of Veteran Affairs (DVA) that is paid directly onto your home loan.
Find out more about DHOAS.

Yes, we are one of the financial institutions who are able to offer this scheme to our members. To check your eligibility, visit the National Housing Finance and Investment Corporation (NHFIC) website.
Check if you’re eligible.

Eligibility for a DHOAS certificate is organised directly through DVA. Once you have your DHOAS certificate, our home loan consultants can help find the best product for you.

You don’t need to have all of your banking through Defence Bank to get a home loan with us. Our member consultants are always more than happy to look at all account options for you if you’d like to have all of your banking in one place.

Yes, we will charge LMI if you have a deposit of less than 20%, including any schemes or grants.

For an annual fee of $380, eligible applications can receive a number of discounts and waived fees on other lending products and insurance, as well as account keeping fees. For more information about your specific situation, you can have a chat to your home loan consultant.

If your loan is fixed, the interest rate will remain the same throughout the agreed term regardless of changes in the market. If the loan is variable, the rate can increase or decrease depending on a number of factors at any time.

Unfortunately, we do not currently accept guaranteed home loan applications.

Every situation is different, and there’s a large number of factors that can indicate the best product for you. The best thing to do is to have a chat with your local home loan consultant so that they can make sure you’re heading in the right direction.

All of our variable home loans offer a redraw facility. While our fixed home loans do not, the accrued redraw will become available at the end of the fixed period.

It depends on the product that you have, and how much you wish to redraw. If your online banking does not allow you to transfer from your home loan, simply give us a call on 1800 033 139 and we can look at the best option for you.

Having pre-approval can provide you with a sense of security when making an offer on a property.

Most of our home loan products are able to have an offset account attached. The only exceptions to this are our Premier Low Rate home loans, and any fixed home loans.

If you are new to Defence Bank:

  1. Head over to the Defence Bank Foundation Credit Card.
  2. Click on Apply now > Start New Application and follow the prompts.

If you are an existing Defence Bank Member log into Online Banking or use the Mobile App.

Online Banking.

  1. Log into your Defence Bank Online Banking.
  2. From the menu select Apply > Apply For Loan.
  3. Input your TA password or VIP Security Code.
  4. Select Start New Loan and follow the prompts.

Mobile app.

  1. Log in to your Defence Bank mobile app.
  2. From the menu select Apply > Apply For Loan.
  3. Under the menu select Products > Credit Cards where you will be redirected to the Defence Bank Credit Card page on our website.
  4. Select Apply now > Start New Application and follow the prompts.

You can activate your card through Online Banking or the Mobile App.

Mobile app.

  1. Log into your Mobile app.
  2. Under the menu select Manage Accounts > Manage Cards.
  3. Select the card you wish to activate and follow the prompts.

Online Banking.

  1. Log into your Defence Bank Online Banking.
  2. Select Services > Card Management.
  3. Input your TA password or VIP Security Access code.
  4. Select the card you wish to activate and follow the prompts.

Alternatively, you can call our Contact Centre on 1800 033 139 or visit us in-branch to activate your new card.

You can cancel your card through either Online Banking or the Defence Bank mobile app.

Online Banking.

Select Services > Card Management, then select the card you wish to report and follow the prompts.

Mobile app.

Select Manage Accounts > Manage Cards, then select the card you wish to report and follow the prompts.

You can then order a replacement card within the mobile app and be issued with a virtual card which you can add to your digital wallet and use immediately. This removes the stress and inconvenience of having to wait until a physical card arrives in the mail.

Alternatively, you can contact us and we can block your card and arrange a new one for you.

Yes. You can apply for a credit card with Defence Bank to pay out an existing credit card with another financial institution. This could allow you to better manage your repayments with a lower interest rate.

If you would like to talk to us about transferring your credit card balance simply visit one of our branches or call us on 1800 033 139.

No, unlike many other banks that may charge a percentage of between 1-3% of the balance transferred, Defence Bank does not impose a fee for Balance Transfers.

An additional cardholder will first need to be made a signatory on your credit card account, once this is done they can be issued with a credit card linked to your credit card account.

Drop into your local branch or call us on 1800 033 139 to get the process underway.

No, there are no fees for an additional cardholder.

If you need to remove access by an additional cardholder please visit us in-branch or contact us on 1800 033 139 for assistance.

To increase your credit card limit, we will need you to complete a new application so that we can obtain some up-to-date information from you. You can log into Online Banking or use the Mobile App to lodge your application.

Online Banking.

  1. Log into your Defence Bank Online Banking.
  2. From the menu select Apply>Apply For Loan.
  3. Input your TA password or VIP Security Code.
  4. Select Start New Loan and follow the prompts.

Mobile app.

  1. Log in to your Defence Bank mobile app.
  2. From the menu select Apply > Apply For Loan.
  3. Under the menu select Products > Credit Cards where you will be redirected to the Defence Bank Credit Card page on our website.
  4. Select Apply now > Start New Application and follow the prompts.

Tip: When applying for an increase to your limit, during the application make sure you select the total amount of your new card, not the amount you would like it to be increased by.

You are able to request a reduction or cancellation of your credit card limit through either Online Banking or the Defence Bank mobile app. You can also visit us in-branch and we’d be happy to help.

Online Banking.

  1. Select Services > Card Management.
  2. Input your TA password or VIP Security Code.
  3. Select Reduce Limit or Close Credit Card next to the relevant credit card and follow the prompts.

Mobile app.

  1. Under the main menu select Manage Accounts > Manage Cards.
  2. Click on the credit card you wish to reduce or cancel the limit on.
  3. Select Reduce credit limit or Cancel card as required and follow the prompts.

Paying your credit card can be done in several ways, but the easiest by far is through Online Banking or our mobile app.

If paying from another Defence Bank account.

  1. Log into your app or Online Banking portal.
  2. Select Pay > Transfer.
  3. Select the account you would like to transfer from and the credit card as the account to transfer to you would like to pay.
  4. Follow the prompts to make payment.

If paying from another financial institution.

  1. Create a PayID for your credit card account, then use that payID when transferring funds from another financial institution.
  2. You can also use our BSB 833 205 and your nine digit credit card account number to transfer payment from another financial institution.
    Of course you can always deposit funds over the counter at any Defence Bank branch.

If you don’t recognise a transaction on your account, use our “Look Who’s Charging” feature.

  1. If you are in the mobile app simply tap the transaction you need further information about.
  2. If you are in Online Banking click on the red ellipsis (ie. '…').
  3. Look Who’s Charging will display extended transaction information including the exact address, trading or business name (which can be different to the merchant name), merchant contact details and for some transactions a map showing the location.

If you are still unsure the transaction, call us on 1800 033 139, visit your local branch or send an email to [email protected] for further assistance.

Warning: Please DO NOT send sensitive information such as login details and passwords over email.

If your card expires 09/20 this means that it will expire at the end of September, with a new card automatically sent to you midway through that month. You don’t need to do anything other than making sure that your postal address listed with Defence Bank is correct.

Your virtual card in your digital wallet card will automatically refresh with your new card details however if this does not happen please call us on 1800 033 139.

Our Visa cards expire at the end of the month shown on your card, so a renewal card will be sent in the first week of the month for it to reach you in time. If you haven’t received it by the third week, give us a call and we can make sure your details are up to date and order you a new card if necessary.

This is easy. You can now update your PIN without knowing your old PIN through Online Banking or your mobile app.

Online Banking.

  1. Log into your Online Banking portal.
  2. Select Services > Card Management.
  3. Enter your TA password.
  4. Select the card you wish to change PIN and click Change PIN and foloow the prompts.

Mobile app.

  1. Log in to your mobile app.
  2. Under the menu, select Manage Accounts > Manage Cards.
  3. Select the card you would like to update and click Change PIN and follow the prompts.

A credit card cash advance is when you withdraw funds from your credit card account. This may be via ATM, across the counter in Branch or transferring funds using Online Banking or the mobile app. Transactions like bill payments at Australia Post Office outlets may also be processed as cash advances.

Interest rates may vary depending on when you apply. You can find our current lending rates below.

View lending interest rates.

Interest starts to accrue from the date of the cash advance and will be charged to your account at the end of the month.

If you’ve never held a credit card with Defence Bank before, you’re eligible for a lower interest rate for the first six months.

Find out more.

Absolutely, your Visa debit and Credit cards can be used with Apple, Fitbit, Garmin, Google and Samsung Pays. You can set your cards up through the Defence Bank app, or directly through your device’s digital wallet.

While the True Blue credit card is no longer available for new applications all existing cardholders can continue to use their credit cards as normal.

Yes please - our fraud team are monitoring transactions for suspect and unusual activity 24/7.

Log in to your account using the Mobile App and selecting Overseas Travel from the menu.

Then select Your Travel Plans. Record your travel dates, destinations and contact details just in case we need to contact you to confirm any transactions while you are away.

Of course you can always call us on 1800 033 139 or visit your local branch to give us details of your travel plans.

A common misconception is that 55 days “interest-free” means that you will have 55 days to pay off a card purchase before any interest is charged.

However; 55 days interest-free refers to the maximum number of interest-free days that are available on a purchase. To attain the full 55 days interest-free, a purchase would need to be made on the first day of your statement period.

For example, if your statement commences on 1 March and you make a purchase on this day, you will have 55 days or until 24 April to repay that amount before you are charged interest starting 25 April on any outstanding amounts. Alternatively, if you receive your statement 1 March but you make a purchase on 10 March, you will only have 45 days to make payment before you are charged interest from the 25 April.

Read more about how your credit card interest-free period works.

The greater of $20 or 3% of outstanding balance.

The minimum monthly repayment on a credit card is the lowest amount you are required to pay to meet your credit card contract. By paying this amount on the payment due date, you'll avoid late fees, maintain a good repayment history, but you will still pay interest on the remaining amount owing. You should always try and pay more than the minimum amount so your credit card balance is paid off quicker and less interest is accrued.

For example, if you owe a balance of $1100 on your credit card with the minimum monthly repayment being $25, you will pay interest on the remaining $1075.

Absolutely. We encourage all cardholders to try and make the full repayment on their credit card balance each month so they do not accrue interest on any outstanding balances.

If you withdrew funds from an ATM, across the counter in Branch or transferred funds out of your Credit Card account using Online Banking or the mobile app, then interest will accrue from the date of the transaction. There is no interest free period on any cash advance transactions.

Interest will also start accruing where the balance has not been paid off in full by the due date on your last statement.

Making extra repayments on your credit card is always a good thing. This means you will accrue less interest and pay off your credit card quicker.

Use our Credit Card Repayment Calculator to see how fast you can pay off your credit card.

Sometimes things happen that are out of our control. If you need a little extra help contact us 1800 773 158 or email [email protected] to see how we can help you.

Switching to eStatements is a great choice to help our environment. Here’s how you can make the switch yourself.

Online Banking.

  1. Log in to Online Banking.
  2. Select Settings > Manage eCommunications.
  3. Enter your TA password or VIP Security Access code.
  4. Click on Manage eStatements which will expand options for registering (or deregistering) for eStatements.
  5. Once your eStatement preferences have been made, and acknowledgement ticked, click Save. 

Mobile app.

  1. Log into your Mobile app.
  2. Under the menu select Manage Accounts > Manage eStatements
  3. Enter your PIN to continue.
  4. Click on eStatements which expand options for registering (or deregistering) for eStatements.
  5. Once your eStatement preferences have been made, and acknowledgement ticked, click Save.

Alternatively, you can call 1800 033 139 or visit any Defence Bank branch, and we can organise the switch for you.

There is an annual fee of $45, half of which is donated to the Defence Bank Foundation, and other fees such as declined transaction, dishonour and late payment fees.

You can find a full list of fees by scrolling down to the ‘Rates and fees’ section on the Defence Bank Foundation Credit Card page.

The annual fee is $45. Half of this fee ($22.50) is donated to the Defence Bank Foundation which supports the Defence Community Dogs program. This is our way of saying thank you and supporting our veterans.

Learn more about the Defence Bank Foundation.

We reward our credit card holders with one of the lowest interest rates on the market and give half of the $45 annual fee to the Defence Bank Foundation.

Learn more about the Defence Bank Foundation.

Australia’s Defence Bank Foundation is an independent charity established to help injured, wounded and disadvantaged serving and former Australian Defence Force (ADF) members and their families.

All funds raised are used to run The Defence Community Dog's program - a program that provides Assistance Dogs to veterans suffering from Post-traumatic Stress Disorder (PTSD) and related conditions.

Learn more about the Defence Bank Foundation.

Any time a member goes overseas, it’s best to let us know so we can be aware of any overseas transaction, or we know why we’re unable to contact you. You can lodge your overseas travel in the app, or by giving us a call.
Download the app.

It’s important to ensure the exact details below are used, especially when the international BSB differs from the domestic BSB.

Beneficiary bank. Cuscal Limited
1 Margaret Street
Sydney NSW 2000
Australia
Cuscal BIC/SWIFT code. CUSCAU2SXXX
BSB. 803-205

Beneficiary account.


Beneficiary name.


Transaction account
number (max 9 digits)

As per account


Intermediary Bank BIC/SWIFT code. NATAAU3303M

It’s also important to note that inbound transfers in Australian dollars require the Cuscal SWIFT code or BIC only. Inbound transfers in foreign currency require both the Cuscal SWIFT code or BIC and the intermediary bank SWIFT code or BIC.

Definitely! Just make sure you’re on top of any fees and charges that may apply.
View fees and charges.

Your Visa card will automatically convert any currency it needs to while you’re overseas. You can also contact your local branch to ask them about the Cash Passport that we offer as a third party.

The Foundation is an independent charity established to help injured, wounded and disadvantaged serving and former Australian Defence Force (ADF) members and their families, and supports the Defence Community Dogs program.
Find out more.

The Defence Community Dogs program provides assistance dogs to veterans suffering from post-traumatic stress disorder, and other related conditions. It is a specialised dog training program which rescues abandoned dogs and trains them through correctional facilities to assist veterans. The assistance dogs are provided to veterans at no cost. It is a unique WIN:WIN:WIN program which gives dogs, inmates and veterans a second chance at life.
View more.

All donations above $2 are tax deductible.
Make a donation.

Simply email [email protected] and request an ‘Applying for a PTSD Dog’ fact sheet, and an application form.

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.

It depends whether the transfer is within Australia or international.
For all general transfers within Australia, use BSB 833-205.
If the transfer is international, you will need to provide the BSB 803-205.

Yes, we have all the pays – Apple, Google, Samsung, Garmin and Fitbit pays.

In some cases, the account you incorrectly sent the funds to may not currently be active, in which case the funds will bounce back into your Defence Bank account within 3-5 business days.
If the account is active, we can lodge a trace on the money and attempt to retrieve it for you. Get in touch with our Contact Centre or your nearest branch and we can get this process started as quickly as possible for you. The quicker we get this trace lodged, the more likely it is we can retrieve your funds.

You can click on the transaction within your online banking or through the app to get more information. This will often give you additional details, such as contact numbers or email addresses to get in touch directly with the merchant.
If you’re still unsure, we can always look into it for you - call our Contact Centre or visit us in-branch. Outside of business hours, you can email our friendly staff at [email protected] to get on top of it as quickly as possible.

Depending on the device that you have, you can download the app through the Google Play or Apple App Store. The app is free to download and use.
Download from Google Play.
Download from the App Store.

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 gets sent to you as a text.
Create a password here.
Log in to internet banking.

The best thing to do first is to reset your password. If you’re still having issues, you can get in contact with us and we can check your details, provide you a new password, or make sure everything is unlocked and ready to go.
Contact us.

This is your ‘transaction authority’ password, which is a secondary level of security for some aspects of online banking. If you’re unsure of what it is, we can deregister it for you and allow you to create a new one.
Contact us.

The daily limit is $5,000, but if you ever need to transfer a larger once-off amount, simply get in touch with us and we can increase it temporarily for you.

You can also set your limit to $10,000 permanently by downloading the VIP Access app for additional security.

Find out more about VIP Acces.

Home and contents insurance covers properties that you currently live in. For investment properties, our Landlord Insurance could be a better option.
Find out more.

You can use a home and contents calculator to find the best figure for your contents.
Calculate now.

You can use a home and contents calculator to find the best figure for your contents.
Calculate now.

You can make a claim by calling 13 24 80.

We offer insurance for a variety of situations and debts through MLC. Our member consultants can organise a referral for you on 1800 033 139 so you can discuss all of your options directly with the experts at MLC.
Find out more about Debt Insurance.

Home and contents insurance covers properties that you currently live in. For investment properties, our Landlord Insurance could be a better option.
Find out more.

You can use a home and contents calculator to find the best figure for your contents.
Calculate now.

We have qualified Wealth Investment Officers who are able to provide factual information and general advice. They will not be able to provide you with personalised advice.

While there is no minimum amount, there are some vehicles that we will not cover. Call our Contact Centre on 1800 033 139 to see if our coverage is right for you.

While there is no maximum age, there are some vehicles that we will not cover. Call our Contact Centre on 1800 033 139 to see if our coverage is right for you.

We can organise a quote for you on the spot through our Contact Centre or branch network.

You can make a claim by calling 13 24 80.

We offer insurance for a variety of situations and debts through MLC. Our member consultants can organise a referral for you on 1800 033 139 so you can discuss all of your options directly with the experts at MLC.
Find out more about Debt Insurance.

You can use a home and contents calculator to find the best figure for your contents.
Calculate now.