Target Market Determinations.

What’s a Target Market Determination?

A Target Market Determination is a document that describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers.

It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.

Why does Defence Bank need to have Target Market Determinations?

We’re required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. This is to make sure we’re keeping customers at the centre of our approach to the design and distribution of our financial products.

Important information for entities or persons that engage in Retail Product Distribution Conduct in relation to Defence Bank products.

Entities or persons engaging in Retail Product Distribution Conduct under the Product Design and Distribution Obligation laws must report information outlined in Target Market Determinations within a specified timeframe to Product Issuers.

If you are looking to report information to Defence Bank as outlined in our product Target Market Determinations, please contact Defence Bank by emailing your information to

Target Market Determination documents.

Deposit/savings accounts.

Everyday Access.
Max eSaver.
Cadet Saver.
Teen Saver.
Kids Club.
Pension Saver.
Visa Debit card.
Home Loan Offset account.

Term deposits.

Term Deposit.
Business Term Deposit.


Defence Bank Super Assured RSA - Accumulation.
Defence Bank Super Assured RSA - Pension.

Credit cards.

Defence Bank Foundation Credit Card.
True Blue Credit Card.

Personal loans.

Personal Loan.
New or Used Car Loan.
Personal Overdraft.
Debt Consolidation Loan.

Home loans.

Essentials Home Loan Owner Occupied.
Essentials Home Loan Investor.
Ultimate Essentials Home Loan Owner Occupied.
Ultimate Essentials Home Loan Investor.
Premier Low Rate Home Loan.
Premier Low Rate Home Loan Investor.
Premier Home Loan Owner Occupied.
Premier Home Loan Investor.