A bank like no other for a life like no other.
Welcome to Australia’s Defence Bank.
Our Purpose is to serve those who protect us, reinvesting all profit back into banking products and services that are tailored to meet the needs of ADF families, while also remaining competitive enough for all Australians who support the Defence community.
You don’t need to be in the army, navy or air force to join Defence Bank. If you are a supporter of those in the ADF and the Defence community, then you are invited to make us your bank - for whatever you need, for whatever’s ahead.
A unique life.
We understand that no single day is the same in the ADF.
One day you’re settling into off-base life in Townsville, the next you’re packing up your family and being posted to Albury-Wodonga. Some days you’re sharing a meal with your mates at the barracks, some nights you’re sharing a bunk on an attack-class submarine One moment you’re planning the birth of your first child, the next you’re talking to them on video call while on deployment.
It’s a life like no other. That’s why you need a bank that’s as adaptive as you are.
A bank that knows how to get the most out of your military career and beyond.
Serving those who protect us.
We count on those in the Defence community. And they can count on us. We are people-led, technology enabled, with a mighty collection of passionate people behind our banking products and services.
- We offer home loans subsidised by the Defence Home Ownership Assistance Scheme (DHOAS) which assists current and former ADF members and their families to achieve homeownership.
- Our Salute account is a high interest savings account that rewards ADF members who have particular ADF milestones. It's our way of saying 'thank you'.
- If you ever need help, you can talk to our Australia-based Contact Centre, offering phone, email and live chat support.
- Membership means you get shares in our business, a seat at our Annual General Meetings and a say in the bank's future.
Anywhere, anytime banking.
Our app is one of the highest-rated apps in Australia, consistently rated higher than the big banks. User-friendly and packed full of features, it's the simple way to take control of your finances on the go.
- It's easy to see where and when you spend your money, thanks to detailed transaction data in plain language from Look Who's Charging.
- Make every cent count with our Round Ups savings feature. Round up your purchases to the next dollar to automatically grow your savings while you spend.
- Lost your card? On-demand card controls make it easy to instantly freeze your card or re-activate it.
- Other useful features like Spend Tracker, secure messaging, Quick Balance, customisation tools and more.
Don't pay ATM fees!
Need cash? We've expanded our network of fee-free ATMs. Pay no withdrawal fees on thousands of ATMs nationwide.
Award-winning banking.
We're back-to-back winners of WeMoney's Defence Services Bank of the Year award - three years in a row.
A bank that gives back.
We have a strong and proud record of serving and supporting those who protect us and their families.
The Defence Bank Foundation is an independent charity established to help injured, wounded and disadvantaged serving and former Defence members and their families. All funds raised benefit Defence Community Dogs - a program that provides assistance dogs to veterans suffering from post-traumatic stress disorder (PTSD) and related conditions.
We stand behind other groups and charities such as Military Life, who support ADF spouses, and events held by the LGBTIQ+ charity DEFGLIS - in particular the annual Military Pride Ball.
A bank for life.
No matter where your ADF journey takes you, leaving Defence doesn’t mean you need to switch to a civilian bank. Even as an ex-ADF member we still look want after you and your family. That's why we strive to provide the highest standards of service and the most relevant products for our members, no matter what stage of life they find themselves in.
Frequently asked questions.
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.
You can send a secure message to Defence Bank by logging into the Defence Bank app or Online Banking then following these steps:
App.
- Log in to the Defence Bank app.
- Select ‘Contact us’ within the menu.
- Tap ‘Secure Messaging’.
- Select the message icon at the bottom right of screen, select the address from the first drop down menu, type a subject, message and add an attachment if required, then when ready, select 'Send message'.
Online Banking.
- Log in to Online Banking.
- Tap on ‘Services’ from the top menu.
- Select ‘Secure Messaging’.
- Select the address from the first drop down menu, type a subject, message and add an attachment if required, then when ready, select 'Send message'.
You can receive a secure message from Defence Bank by logging into the Defence Bank app or Online Banking then following these steps:
App.
- Log in to the Defence Bank app.
- Select the 'you have new messages' notification on the home screen.
- Select the message, it will expand to fullscreen for you to read.
Note: If the message is from Verify Defence Bank, please do not respond to this message as the message is sent from an account that is not monitored.
Online Banking.
- Log in to Online Banking.
- Select 'View mail' from the mailbox of the side menu.
- Enter your validation code when prompted.
- Select the new message to read.
Note: If the message is from Verify Defence Bank, please do not respond to this message as the message is sent from an account that is not monitored.