Defence Bank Limited
Everyday Access
Your on-the-go transaction account, the Everyday Access account is the way to managing your day-to-day banking.
Savings & transaction accountsBank updated 16 Mar 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.00% | — | paid every 1 yr |
§ 02 — Fees · 21
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bank@Post (withdrawals and deposits) | Event | No fee | — | We don't charge a fee for Bank@Post (withdrawals and deposits) |
| Bank@Post™ | Event | $21.72 | — | For each cheque deposited through the Bank@Post system and subsequently dishonoured. |
| BPAY | Event | No fee | — | We don't charge a fee for BPAY |
| Defence Bank ATM cash withdrawals or balance enquiries | Event | No fee | — | We don't charge a fee for Defence Bank ATM cash withdrawals or balance enquiries |
| Dishonours (if insufficient funds) | Event | No fee | — | We don't charge a fee for dishonours |
| Domestic ATM cash withdrawals or balance enquiries | Event | No fee | — | Free withdrawals and balance enquires at Major Banks and ATMx, (all other ATMs may charge a direct charge) |
| Dormant fee | Event | $20 | — | This fee may be charged in certain circumstances when your membership is redeemed by us due to non-activity of more than 12 months. |
| EFTPOS transactions | Event | No fee | — | We don't charge a fee for EFTPOS transactions |
| Emergency card replacement | Event | No fee | — | When you request that we replace your Visa card while you are overseas. |
| Emergency cash | Event | No fee | — | When you request emergency cash while overseas other than through an ATM. The maximum amount of emergency cash available is $1,000 (at our discretion). |
| Internal transfers between Defence Bank accounts | Event | No fee | — | We don't charge a fee for Internal transfers between Defence Bank accounts |
| Overseas ATM cash withdrawals or balance enquiries fee | Event | No fee | — | We don't charge a fee Overseas ATM Cash withdrawals or balance enquiries |
| Pay anyone using a BSB and account or PayID | Event | No fee | — | We don't charge a fee for Pay anyone using a BSB and account number or PAYID |
| PayTo | Event | No fee | — | We don't charge a fee for PayTo |
| Record search fee | Event | $50 | — | Charged where you request we search our records and retrieve documents. |
| Replacement Visa card within Australia | Event | No fee | — | We don't charge a fee for Replacement Visa card within Australia |
| Same day transfers (via Swift/RTGS) - Inward | Event | $6.80 | — | Charged when funds transferred via Swift/RTGS (same day). |
| Same day transfers (via Swift/RTGS) - Outward | Event | $11.80 | — | Charged when funds transferred via Swift/RTGS (same day). |
| Visa foreign currency conversion fee | Event | 3.00% of transaction | — | The fee we charge when you make a payment or a deposit or obtain a cash advance overseas. |
| Monthly account-keeping fee | Periodic | No fee | — | We don't charge a monthly account-keeping fee |
| Ultimate Package annual fee | Periodic | $96 | Every 1 yr | Package related to a home loan Ultimate Package. |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsCompatible with digital wallets from Apple, Garmin, Google and Samsung.Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds.
- · Choose to report your card as lost or stolen or block it temporarily.
- · Round Ups
- · Bank@Post
- · PayTo
- · No monthly fees.
§ 04 — Eligibility & limits
§ 05 — Compare
§ 06 — Run the numbers
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Published by Defence Bank under the Consumer Data Right, last changed by them on 16 Mar 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.