Everyday Accounts

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Military Rewards Account

Access Account

Recruit Salary Saver Account

Pension Access Account

Military Clubs Account

Military Kids Account

100% Mortgage Offset Account

Features

Monthly Service Fees

Visa Debit Card Access

Direct Debit and Credit Facility

Choose your debit card design

Cheque Facility

Interest Rate

Internet and Mobile Banking

ATM and EFTPOS

Bank @ Post

Branch Banking

Interest Calculated

Interest Paid

1% cash back on Visa payWave purchases under $100 (capped at $25 per month)***

$0

Yes

0.01% p.a.

Daily

Monthly

No monthly account keeping fees**
No minimum deposit required

$0

Yes

0.01% p.a.

Minimum monthly balance

Annually 31 May

No monthly account keeping fees
No minimum deposit required

$0

Yes

1.05% p.a.

Daily

Monthly

Stepped interest rates

$0

Yes

0.80% p.a.

Daily

Monthly

Unlimited card holders
Easy access with Visa Debit and BPAY®

$0

Yes

0.01% p.a.

Minimum monthly balance

Annually 31 May

Visa Card available from 11 years of age; no monthly account keeping fees**

$0

Yes

0.01% p.a.

Daily

Monthly

100% offset from your eligible Home Loan balance

$0

Yes

-

-

-

• Read more about Everyday Accounts

Array
(
    [0] => Array
        (
            [weight] => 19
            [value] => -
            [type] => text
            [label] => Interest Paid
            [machine_name] => field_interest_paid
            [0] => Array
                (
                    [-99] => Array
                        (
                            [weight] => -99
                            [value] => Military Rewards Account
                            [type] => text
                            [machine_name] => field_product_name
                        )

                    [-98] => Array
                        (
                            [weight] => -98
                            [value] => everyday-accounts/military-rewards
                            [type] => text
                            [machine_name] => field_product_url
                        )

                    [-97] => Array
                        (
                            [weight] => -97
                            [value] => An account that rewards your everyday spending and gives back to the Defence community
                            [type] => text
                            [machine_name] => field_product_content
                        )

                    [-96] => Array
                        (
                            [weight] => -96
                            [value] => https://ib.australianmilitarybank.com.au/AMBOnlineBanking/apps/services/www/AMBBankingApp/desktopbrowser/default/AMBAppIndex.html?bankId=AMB&pd=STMRA
                            [type] => text
                            [machine_name] => field_apply_url
                        )

                    [6] => Array
                        (
                            [weight] => 6
                            [value] => 1% cash back on Visa payWave purchases under $100 (capped at $25 per month)***
                            [type] => text
                            [label] => Features
                            [machine_name] => field_features
                        )

                    [8] => Array
                        (
                            [weight] => 8
                            [value] => $0
                            [type] => text
                            [label] => Monthly Service Fees
                            [machine_name] => field_monthly_service_fees
                        )

                    [9] => Array
                        (
                            [weight] => 9
                            [value] => 
                            [type] => list
                            [label] => Visa Debit Card Access
                        )

                    [10] => Array
                        (
                            [weight] => 10
                            [value] => Yes
                            [type] => text
                            [label] => Direct Debit and Credit Facility
                            [machine_name] => field_direct_debit_and_credit_fa
                        )

                    [11] => Array
                        (
                            [weight] => 11
                            [value] => 
                            [type] => list
                            [label] => Choose your debit card design
                        )

                    [12] => Array
                        (
                            [weight] => 12
                            [value] => 
                            [type] => list
                            [label] => Cheque Facility
                        )

                    [13] => Array
                        (
                            [weight] => 13
                            [value] => 0.01% p.a.
                            [type] => taxonomy
                            [label] => Interest Rate
                        )

                    [14] => Array
                        (
                            [weight] => 14
                            [value] => 
                            [type] => list
                            [label] => Internet and Mobile Banking
                        )

                    [15] => Array
                        (
                            [weight] => 15
                            [value] => 
                            [type] => list
                            [label] => ATM and EFTPOS
                        )

                    [16] => Array
                        (
                            [weight] => 16
                            [value] => 
                            [type] => list
                            [label] => Bank @ Post
                        )

                    [17] => Array
                        (
                            [weight] => 17
                            [value] => 
                            [type] => list
                            [label] => Branch Banking
                        )

                    [18] => Array
                        (
                            [weight] => 18
                            [value] => Daily
                            [type] => text
                            [label] => Interest Calculated
                            [machine_name] => field_interest_calculated
                        )

                    [19] => Array
                        (
                            [weight] => 19
                            [value] => Monthly
                            [type] => text
                            [label] => Interest Paid
                            [machine_name] => field_interest_paid
                        )

                )

            [1] => Array
                (
                    [-99] => Array
                        (
                            [weight] => -99
                            [value] => Access Account
                            [type] => text
                            [machine_name] => field_product_name
                        )

                    [-98] => Array
                        (
                            [weight] => -98
                            [value] => everyday-accounts/access
                            [type] => text
                            [machine_name] => field_product_url
                        )

                    [-97] => Array
                        (
                            [weight] => -97
                            [value] => A straightforward account that’s great for everyday transactions and paying bills
                            [type] => text
                            [machine_name] => field_product_content
                        )

                    [-96] => Array
                        (
                            [weight] => -96
                            [value] => https://ib.australianmilitarybank.com.au/AMBOnlineBanking/apps/services/www/AMBBankingApp/desktopbrowser/default/AMBAppIndex.html?bankId=AMB&pd=STACC
                            [type] => text
                            [machine_name] => field_apply_url
                        )

                    [6] => Array
                        (
                            [weight] => 6
                            [value] => No monthly account keeping fees** 
No minimum deposit required
                            [type] => text
                            [label] => Features
                            [machine_name] => field_features
                        )

                    [8] => Array
                        (
                            [weight] => 8
                            [value] => $0
                            [type] => text
                            [label] => Monthly Service Fees
                            [machine_name] => field_monthly_service_fees
                        )

                    [9] => Array
                        (
                            [weight] => 9
                            [value] => 
                            [type] => list
                            [label] => Visa Debit Card Access
                        )

                    [10] => Array
                        (
                            [weight] => 10
                            [value] => Yes
                            [type] => text
                            [label] => Direct Debit and Credit Facility
                            [machine_name] => field_direct_debit_and_credit_fa
                        )

                    [11] => Array
                        (
                            [weight] => 11
                            [value] => 
                            [type] => list
                            [label] => Choose your debit card design
                        )

                    [12] => Array
                        (
                            [weight] => 12
                            [value] => 
                            [type] => list
                            [label] => Cheque Facility
                        )

                    [13] => Array
                        (
                            [weight] => 13
                            [value] => 0.01% p.a.
                            [type] => taxonomy
                            [label] => Interest Rate
                        )

                    [14] => Array
                        (
                            [weight] => 14
                            [value] => 
                            [type] => list
                            [label] => Internet and Mobile Banking
                        )

                    [15] => Array
                        (
                            [weight] => 15
                            [value] => 
                            [type] => list
                            [label] => ATM and EFTPOS
                        )

                    [16] => Array
                        (
                            [weight] => 16
                            [value] => 
                            [type] => list
                            [label] => Bank @ Post
                        )

                    [17] => Array
                        (
                            [weight] => 17
                            [value] => 
                            [type] => list
                            [label] => Branch Banking
                        )

                    [18] => Array
                        (
                            [weight] => 18
                            [value] => Minimum monthly balance
                            [type] => text
                            [label] => Interest Calculated
                            [machine_name] => field_interest_calculated
                        )

                    [19] => Array
                        (
                            [weight] => 19
                            [value] => Annually 31 May
                            [type] => text
                            [label] => Interest Paid
                            [machine_name] => field_interest_paid
                        )

                )

            [2] => Array
                (
                    [-99] => Array
                        (
                            [weight] => -99
                            [value] => Recruit Salary Saver Account
                            [type] => text
                            [machine_name] => field_product_name
                        )

                    [-98] => Array
                        (
                            [weight] => -98
                            [value] => everyday-accounts/recruit-salary-saver
                            [type] => text
                            [machine_name] => field_product_url
                        )

                    [-97] => Array
                        (
                            [weight] => -97
                            [value] => A special everyday account for new Defence Force Recruits
                            [type] => text
                            [machine_name] => field_product_content
                        )

                    [-96] => Array
                        (
                            [weight] => -96
                            [value] => https://ib.australianmilitarybank.com.au/AMBOnlineBanking/apps/services/www/AMBBankingApp/desktopbrowser/default/AMBAppIndex.html?pd=STREC
                            [type] => text
                            [machine_name] => field_apply_url
                        )

                    [6] => Array
                        (
                            [weight] => 6
                            [value] => No monthly account keeping fees 
No minimum deposit required
                            [type] => text
                            [label] => Features
                            [machine_name] => field_features
                        )

                    [8] => Array
                        (
                            [weight] => 8
                            [value] => $0 
                            [type] => text
                            [label] => Monthly Service Fees
                            [machine_name] => field_monthly_service_fees
                        )

                    [9] => Array
                        (
                            [weight] => 9
                            [value] => 
                            [type] => list
                            [label] => Visa Debit Card Access
                        )

                    [10] => Array
                        (
                            [weight] => 10
                            [value] => Yes
                            [type] => text
                            [label] => Direct Debit and Credit Facility
                            [machine_name] => field_direct_debit_and_credit_fa
                        )

                    [11] => Array
                        (
                            [weight] => 11
                            [value] => 
                            [type] => list
                            [label] => Choose your debit card design
                        )

                    [12] => Array
                        (
                            [weight] => 12
                            [value] => 
                            [type] => list
                            [label] => Cheque Facility
                        )

                    [13] => Array
                        (
                            [weight] => 13
                            [value] => 1.05% p.a.
                            [type] => taxonomy
                            [label] => Interest Rate
                        )

                    [14] => Array
                        (
                            [weight] => 14
                            [value] => 
                            [type] => list
                            [label] => Internet and Mobile Banking
                        )

                    [15] => Array
                        (
                            [weight] => 15
                            [value] => 
                            [type] => list
                            [label] => ATM and EFTPOS
                        )

                    [16] => Array
                        (
                            [weight] => 16
                            [value] => 
                            [type] => list
                            [label] => Bank @ Post
                        )

                    [17] => Array
                        (
                            [weight] => 17
                            [value] => 
                            [type] => list
                            [label] => Branch Banking
                        )

                    [18] => Array
                        (
                            [weight] => 18
                            [value] => Daily
                            [type] => text
                            [label] => Interest Calculated
                            [machine_name] => field_interest_calculated
                        )

                    [19] => Array
                        (
                            [weight] => 19
                            [value] => Monthly
                            [type] => text
                            [label] => Interest Paid
                            [machine_name] => field_interest_paid
                        )

                )

            [3] => Array
                (
                    [-99] => Array
                        (
                            [weight] => -99
                            [value] => Pension Access Account
                            [type] => text
                            [machine_name] => field_product_name
                        )

                    [-98] => Array
                        (
                            [weight] => -98
                            [value] => everyday-accounts/pension-access-account
                            [type] => text
                            [machine_name] => field_product_url
                        )

                    [-97] => Array
                        (
                            [weight] => -97
                            [value] => An account for those over 55 and claiming a government pension
                            [type] => text
                            [machine_name] => field_product_content
                        )

                    [-96] => Array
                        (
                            [weight] => -96
                            [value] => https://ib.australianmilitarybank.com.au/AMBOnlineBanking/apps/services/www/AMBBankingApp/desktopbrowser/default/AMBAppIndex.html?bankId=AMB&pd=STPEN
                            [type] => text
                            [machine_name] => field_apply_url
                        )

                    [6] => Array
                        (
                            [weight] => 6
                            [value] => Stepped interest rates
                            [type] => text
                            [label] => Features
                            [machine_name] => field_features
                        )

                    [8] => Array
                        (
                            [weight] => 8
                            [value] => $0
                            [type] => text
                            [label] => Monthly Service Fees
                            [machine_name] => field_monthly_service_fees
                        )

                    [9] => Array
                        (
                            [weight] => 9
                            [value] => 
                            [type] => list
                            [label] => Visa Debit Card Access
                        )

                    [10] => Array
                        (
                            [weight] => 10
                            [value] => Yes
                            [type] => text
                            [label] => Direct Debit and Credit Facility
                            [machine_name] => field_direct_debit_and_credit_fa
                        )

                    [11] => Array
                        (
                            [weight] => 11
                            [value] => 
                            [type] => list
                            [label] => Choose your debit card design
                        )

                    [12] => Array
                        (
                            [weight] => 12
                            [value] => 
                            [type] => list
                            [label] => Cheque Facility
                        )

                    [13] => Array
                        (
                            [weight] => 13
                            [value] => 0.80% p.a.
                            [type] => taxonomy
                            [label] => Interest Rate
                        )

                    [14] => Array
                        (
                            [weight] => 14
                            [value] => 
                            [type] => list
                            [label] => Internet and Mobile Banking
                        )

                    [15] => Array
                        (
                            [weight] => 15
                            [value] => 
                            [type] => list
                            [label] => ATM and EFTPOS
                        )

                    [16] => Array
                        (
                            [weight] => 16
                            [value] => 
                            [type] => list
                            [label] => Bank @ Post
                        )

                    [17] => Array
                        (
                            [weight] => 17
                            [value] => 
                            [type] => list
                            [label] => Branch Banking
                        )

                    [18] => Array
                        (
                            [weight] => 18
                            [value] => Daily
                            [type] => text
                            [label] => Interest Calculated
                            [machine_name] => field_interest_calculated
                        )

                    [19] => Array
                        (
                            [weight] => 19
                            [value] => Monthly
                            [type] => text
                            [label] => Interest Paid
                            [machine_name] => field_interest_paid
                        )

                )

            [4] => Array
                (
                    [-99] => Array
                        (
                            [weight] => -99
                            [value] => Military Clubs Account
                            [type] => text
                            [machine_name] => field_product_name
                        )

                    [-98] => Array
                        (
                            [weight] => -98
                            [value] => everyday-accounts/mess-account
                            [type] => text
                            [machine_name] => field_product_url
                        )

                    [-97] => Array
                        (
                            [weight] => -97
                            [value] => A no fuss business account for Military Clubs. 
                            [type] => text
                            [machine_name] => field_product_content
                        )

                    [-96] => Array
                        (
                            [weight] => -96
                            [value] => https://ib.australianmilitarybank.com.au/AMBOnlineBanking/apps/services/www/AMBBankingApp/desktopbrowser/default/AMBAppIndex.html?pd=STMES
                            [type] => text
                            [machine_name] => field_apply_url
                        )

                    [6] => Array
                        (
                            [weight] => 6
                            [value] => Unlimited card holders 
Easy access with Visa Debit and BPAY® 
                            [type] => text
                            [label] => Features
                            [machine_name] => field_features
                        )

                    [8] => Array
                        (
                            [weight] => 8
                            [value] => $0
                            [type] => text
                            [label] => Monthly Service Fees
                            [machine_name] => field_monthly_service_fees
                        )

                    [9] => Array
                        (
                            [weight] => 9
                            [value] => 
                            [type] => list
                            [label] => Visa Debit Card Access
                        )

                    [10] => Array
                        (
                            [weight] => 10
                            [value] => Yes
                            [type] => text
                            [label] => Direct Debit and Credit Facility
                            [machine_name] => field_direct_debit_and_credit_fa
                        )

                    [11] => Array
                        (
                            [weight] => 11
                            [value] => 
                            [type] => list
                            [label] => Choose your debit card design
                        )

                    [12] => Array
                        (
                            [weight] => 12
                            [value] => 
                            [type] => list
                            [label] => Cheque Facility
                        )

                    [13] => Array
                        (
                            [weight] => 13
                            [value] => 0.01% p.a.
                            [type] => taxonomy
                            [label] => Interest Rate
                        )

                    [14] => Array
                        (
                            [weight] => 14
                            [value] => 
                            [type] => list
                            [label] => Internet and Mobile Banking
                        )

                    [15] => Array
                        (
                            [weight] => 15
                            [value] => 
                            [type] => list
                            [label] => ATM and EFTPOS
                        )

                    [16] => Array
                        (
                            [weight] => 16
                            [value] => 
                            [type] => list
                            [label] => Bank @ Post
                        )

                    [17] => Array
                        (
                            [weight] => 17
                            [value] => 
                            [type] => list
                            [label] => Branch Banking
                        )

                    [18] => Array
                        (
                            [weight] => 18
                            [value] => Minimum monthly balance
                            [type] => text
                            [label] => Interest Calculated
                            [machine_name] => field_interest_calculated
                        )

                    [19] => Array
                        (
                            [weight] => 19
                            [value] => Annually 31 May
                            [type] => text
                            [label] => Interest Paid
                            [machine_name] => field_interest_paid
                        )

                )

            [5] => Array
                (
                    [-99] => Array
                        (
                            [weight] => -99
                            [value] => Military Kids Account
                            [type] => text
                            [machine_name] => field_product_name
                        )

                    [-98] => Array
                        (
                            [weight] => -98
                            [value] => everyday-accounts/military-kids-account
                            [type] => text
                            [machine_name] => field_product_url
                        )

                    [-97] => Array
                        (
                            [weight] => -97
                            [value] => An everyday account designed to grow with your child and easily access their money. 
                            [type] => text
                            [machine_name] => field_product_content
                        )

                    [-96] => Array
                        (
                            [weight] => -96
                            [value] => /sites/default/files/pdf/AMB2025_FORM_Junior-Membership-Application.pdf
                            [type] => text
                            [machine_name] => field_apply_url
                        )

                    [6] => Array
                        (
                            [weight] => 6
                            [value] => Visa Card available from 11 years of age; no monthly account keeping fees**
                            [type] => text
                            [label] => Features
                            [machine_name] => field_features
                        )

                    [8] => Array
                        (
                            [weight] => 8
                            [value] => $0
                            [type] => text
                            [label] => Monthly Service Fees
                            [machine_name] => field_monthly_service_fees
                        )

                    [9] => Array
                        (
                            [weight] => 9
                            [value] => 
                            [type] => list
                            [label] => Visa Debit Card Access
                        )

                    [10] => Array
                        (
                            [weight] => 10
                            [value] => Yes
                            [type] => text
                            [label] => Direct Debit and Credit Facility
                            [machine_name] => field_direct_debit_and_credit_fa
                        )

                    [11] => Array
                        (
                            [weight] => 11
                            [value] => 
                            [type] => list
                            [label] => Choose your debit card design
                        )

                    [12] => Array
                        (
                            [weight] => 12
                            [value] => 
                            [type] => list
                            [label] => Cheque Facility
                        )

                    [13] => Array
                        (
                            [weight] => 13
                            [value] => 0.01% p.a.
                            [type] => taxonomy
                            [label] => Interest Rate
                        )

                    [14] => Array
                        (
                            [weight] => 14
                            [value] => 
                            [type] => list
                            [label] => Internet and Mobile Banking
                        )

                    [15] => Array
                        (
                            [weight] => 15
                            [value] => 
                            [type] => list
                            [label] => ATM and EFTPOS
                        )

                    [16] => Array
                        (
                            [weight] => 16
                            [value] => 
                            [type] => list
                            [label] => Bank @ Post
                        )

                    [17] => Array
                        (
                            [weight] => 17
                            [value] => 
                            [type] => list
                            [label] => Branch Banking
                        )

                    [18] => Array
                        (
                            [weight] => 18
                            [value] => Daily
                            [type] => text
                            [label] => Interest Calculated
                            [machine_name] => field_interest_calculated
                        )

                    [19] => Array
                        (
                            [weight] => 19
                            [value] => Monthly
                            [type] => text
                            [label] => Interest Paid
                            [machine_name] => field_interest_paid
                        )

                )

            [6] => Array
                (
                    [-99] => Array
                        (
                            [weight] => -99
                            [value] => 100% Mortgage Offset Account
                            [type] => text
                            [machine_name] => field_product_name
                        )

                    [-98] => Array
                        (
                            [weight] => -98
                            [value] => everyday-accounts/mortgage-offset-account
                            [type] => text
                            [machine_name] => field_product_url
                        )

                    [-97] => Array
                        (
                            [weight] => -97
                            [value] => A dedicated Offset Account that helps you pay off your home loan sooner by taking your money further and saving on interest.
                            [type] => text
                            [machine_name] => field_product_content
                        )

                    [-96] => Array
                        (
                            [weight] => -96
                            [value] => -
                            [type] => text
                            [label] => Apply UR
                            [machine_name] => field_apply_url
                        )

                    [6] => Array
                        (
                            [weight] => 6
                            [value] => 100% offset from your eligible Home Loan balance
                            [type] => text
                            [label] => Features
                            [machine_name] => field_features
                        )

                    [8] => Array
                        (
                            [weight] => 8
                            [value] => $0
                            [type] => text
                            [label] => Monthly Service Fees
                            [machine_name] => field_monthly_service_fees
                        )

                    [9] => Array
                        (
                            [weight] => 9
                            [value] => 
                            [type] => list
                            [label] => Visa Debit Card Access
                        )

                    [10] => Array
                        (
                            [weight] => 10
                            [value] => Yes
                            [type] => text
                            [label] => Direct Debit and Credit Facility
                            [machine_name] => field_direct_debit_and_credit_fa
                        )

                    [11] => Array
                        (
                            [weight] => 11
                            [value] => 
                            [type] => list
                            [label] => Choose your debit card design
                        )

                    [12] => Array
                        (
                            [weight] => 12
                            [value] => 
                            [type] => list
                            [label] => Cheque Facility
                        )

                    [13] => Array
                        (
                            [weight] => 13
                            [value] => -
                            [type] => taxonomy
                            [label] => Interest Rate
                            [machine_name] => field_interest_rate
                        )

                    [14] => Array
                        (
                            [weight] => 14
                            [value] => 
                            [type] => list
                            [label] => Internet and Mobile Banking
                        )

                    [15] => Array
                        (
                            [weight] => 15
                            [value] => 
                            [type] => list
                            [label] => ATM and EFTPOS
                        )

                    [16] => Array
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Pension Access Account

Pension Access Account

Our Pension Access Account is specifically designed for those aged 55 and over who are receiving a Government pension. You can easily manage your pension and the interest you receive on your savings

No monthly

fees

Stepped interest

rates

Access online

24/7

• OVERVIEW
• RATES & FEES
• FAQs

Overview

Key features of the Pension Access Account are:
 

• Interest calculated daily, paid monthly
• No monthly account keeping fees
• Visa Debit Card access with your choice of card design
• If you have an everyday account with us you have access to free Australian Military Bank ATMs
• Tap and go payments with Visa payWave
• Banking at Australia Post available

To open a Pension Access Account, go online, call us on 1300 13 23 28 to speak to a consultant, or visit us in person at your nearest branch.

Apply Online

Calculate

Rates and Fees

Here’s a summary of the rates and fees for the Pension Access Account.

Rates:

• Tier 1 - $0 to $49,200: 0.25% p.a. 
• Tier 2 - $49,201 to $250,000: 0.80% p.a.
• Tier 3 - more than $250,000: 0.25% p.a.

*The first $49,200 earns interest at the lower interest rate regardless of account balance. The proceeding amount from $49,201 to $250,000 earns interest at Tier 2. Anything greater than $250,000 earns interest at Tier 3. 

Fees:

• Additional fees may be payable.  For information about these fees please see our Fees and Charges Schedule. No monthly account keeping fee
• Interest calculated daily and paid monthly

Eligibility:

• To be eligible to open a Pension Access account, you must be aged 55 years and over and receive a Government pension. If we become aware that you no longer satisfy the eligibility criteria, we may convert your account into another savings account that we choose. Further, the pension must be electronically directed to the account and if this does not occur over a 12 month period, the account will cease to attract pension interest rates and you will be converted to an ordinary savings account and/or rate. We will inform you prior to converting your account. Fees and charges may apply on the new account. 

Download the Fees and Charges Schedule

Apply Online

Calculate

Questions

Take a look at our most frequently asked questions about the everyday Pension Access Account. Or, call us on 1300 13 23 28 to speak to a consultant if you have a different question.

How do I qualify for a Pension Access Account?
To be eligible to open a Pension Access account, you must be aged 55 years and over and receive a Government pension. If we become aware that you no longer satisfy the eligibility criteria, we may convert your account into another savings account that we choose. Further, the pension must be electronically directed to the account and if this does not occur over a 12 month period, the account will cease to attract pension interest rates and you will be converted to an ordinary savings account and/or rate. We will inform you prior to converting your account. Fees and charges may apply on the new account. 

What’s the most amount of money I can transfer?
The maximum amount you can transfer at one time is $10,000. 

How does Visa payWave work?
Your new card is embedded with an antenna so that when it’s held against the payWave reader, a secure message is transmitted to the terminal to process your transaction. Visa payWave is only available for purchases under $200. 

How do I open a Pension Access Account?
You can open a Pension Access Account securely online, in branch or over the phone.

Can I earn interest on my balance?
Yes, you can earn interest on your balance, which is calculated daily and paid into your account monthly. Refer to the comparison table below for our current interest rates.

Apply Online

Calculate

• x

  Military Rewards Account

  An account that rewards your everyday spending and gives back to the Defence community
• x

  Access Account

  A straightforward account that’s great for everyday transactions and paying bills
• x

  Recruit Salary Saver Account

  A special everyday account for new Defence Force Recruits
• x

  Pension Access Account

  An account for those over 55 and claiming a government pension

Features

Monthly Service Fees

Visa Debit Card Access

Direct Debit and Credit Facility

Choose your debit card design

Cheque Facility

Interest Rate

Internet and Mobile Banking

ATM and EFTPOS

Bank @ Post

Branch Banking

Interest Calculated

Interest Paid

Use the arrows to scroll through the many Australian Military Bank Everyday Accounts options  RESET

• x

  Military Rewards Account

  An account that rewards your everyday spending and gives back to the Defence community
  1% cash back on Visa payWave purchases under $100 (capped at $25 per month)***

  $0

  Yes

  0.01% p.a.

  Daily

  Monthly
  Apply Now

  Details
• x

  Access Account

  A straightforward account that’s great for everyday transactions and paying bills
  No monthly account keeping fees**
  No minimum deposit required

  $0

  Yes

  0.01% p.a.

  Minimum monthly balance

  Annually 31 May
  Apply Now

  Details
• x

  Recruit Salary Saver Account

  A special everyday account for new Defence Force Recruits
  No monthly account keeping fees
  No minimum deposit required

  $0

  Yes

  1.05% p.a.

  Daily

  Monthly
  Apply Now

  Details
• x

  Pension Access Account

  An account for those over 55 and claiming a government pension
  Stepped interest rates

  $0

  Yes

  0.80% p.a.

  Daily

  Monthly
  Apply Now

  Details
• x

  Military Clubs Account

  A no fuss business account for Military Clubs.
  Unlimited card holders
  Easy access with Visa Debit and BPAY®

  $0

  Yes

  0.01% p.a.

  Minimum monthly balance

  Annually 31 May
  Apply Now

  Details
• x

  Military Kids Account

  An everyday account designed to grow with your child and easily access their money.
  Visa Card available from 11 years of age; no monthly account keeping fees**

  $0

  Yes

  0.01% p.a.

  Daily

  Monthly
  Apply Now

  Details
• x

  100% Mortgage Offset Account

  A dedicated Offset Account that helps you pay off your home loan sooner by taking your money further and saving on interest.
  100% offset from your eligible Home Loan balance

  $0

  Yes

  -

  -

  -
  Apply Now

  Details

---

MORE / LESS

Note: Important Information please read

The small print
**Transaction fees may apply 
***Deposit a minimum of $2,000 per month (excluding transfers from other Australian Military Bank accounts) to become eligible for the 1% cash back offer. The cash back offer applies on contactless Visa payWave purchases under $100. Consider the Terms and Conditions and Fees and Charges Schedule available on this website.
^^Read our Terms and Conditions for Digital Wallets, before making a decision and consider if it is right for you. Available for eligible cards.
Rates are current as at 13 December 2024 and are subject to change at Australian Military Bank’s discretion.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
The advice and information on this site doesn’t take into account your personal objectives, financial situation or needs, which you should consider before acting on any of our recommendations.
To decide if this product is right for you, please carefully review our Terms and Conditions brochure and Fees and Charges Schedule.
The Target Market Determinations (TMD) for our products are available here

 

The small print
**Transaction fees may apply 
***Deposit a minimum of $2,000 per month (excluding transfers from other Australian Military Bank accounts) to become eligible for the 1% cash back offer. The cash back offer applies on contactless Visa payWave purchases under $100. Consider the Terms and Conditions and Fees and Charges Schedule available on this website.
^^Read our Terms and Conditions for Digital Wallets, before making a decision and consider if it is right for you. Available for eligible cards.
Rates are current as at 13 December 2024 and are subject to change at Australian Military Bank’s discretion.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
The advice and information on this site doesn’t take into account your personal objectives, financial situation or needs, which you should consider before acting on any of our recommendations.
To decide if this product is right for you, please carefully review our Terms and Conditions brochure and Fees and Charges Schedule.
The Target Market Determinations (TMD) for our products are available here

 

• Read more about Pension Access Account