Online Banking FAQs.

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.

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.



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.

It is a six digit numerical code received by SMS or email enabling the member to securely authorise transactions such as making external transfers by BPAY or OSKO, changes to contact details, or registering a PayID.

To set up and receive one-time passwords, the member must first register which can be done through Online Banking.

To register.

  • Log in to Online Banking.
  • Go to Settings and select either Secure SMS Management or Second Factor Authentication Email.
  • From there, simply follow the instructions to complete the registration.

Yes. Secure SMS relies on the member knowing their login password, access to a physical device and the use of a temporary code accessible only through that device. Members can register for VIP access if they are not comfortable using secure SMS.

Members don’t have to use secure SMS if they don’t want to and can continue using the TA password which will be available for the foreseeable future.

If a member does not have a mobile number they will not be eligible for secure SMS. However, they can continue using the TA password.

Defence Bank members have multiple ways of transacting on their account outside of Online Banking including in-branch, Bank@Post, ATMand using the award-winning Defence Bank app.

Second-factor authentication via email is not a common form of security and has been introduced for the purposes of allowing deployed ADF personnel to transact through Online Banking.

Defence email addresses are also inherently more secure than a standard email domain like

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.

A limit increase will take up to 24-48 hours to reach your account.

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.

  1. Log in to your Online Banking account.
  2. Select 'Transfer/Pay' from the menu, and choose 'Transfer'.
  3. Select the account you wish to transfer from and to, enter a reference (optional) and amount of your transfer.
    Tip: If you want to set up a transfer or a recurring transfer, tap on 'Schedule Payment'. If you wish for the 'Schedule Payment' field to disappear, simply tap on 'Schedule Payment' again.
  4. Select 'Pay Now'.
  5. Review your transaction details and select 'Confirm' to proceed.
  1. Log in to your Online Banking account.
  2. Select 'Transfer/Pay' from the menu, and tap on 'Pay Someone'.
  3. Select 'Request code' and a code will be sent to your mobile phone or email address if you have set up one-time passwords. If you haven't set up one-time passwords, you can continue using your TA password.
  4. Enter code and select 'Next' to validate.
    Tip: You can select to schedule a payment later or set up a recurring payment by switching from 'Now' to 'Later' and following the prompts.
  5. Here you can select a saved payee or tap on 'Someone New' to enter the details of your intended payee.
  6. If you have chosen to pay 'Someone New', enter their PayID or bank account details and select 'Next'.
  7. Select the account you wish the money to be transferred from, enter transaction details and select 'Next'.
  8. Review your transaction details and select 'Confirm' to proceed with the payment.