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Australian Military Bank (previously known as ADCU) offers financial products to members of the Australian Defence Force, civilian employees, defence contractors and their families. As well as offering services to people associated with the defence force, the provider welcomes other individuals.
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Last updated 13 July 2025
Important disclosures
Australian Military Bank bank accounts
Access Account
Account fee
$0.00
Payment options
Apple Pay, Google Pay, PayID, Samsung Pay, Fitbit, Garmin, PayTo
Interest rate
0.01
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.01% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, Google Pay, PayID, Samsung Pay, Fitbit, Garmin, PayTo
What kind of card?
Visa Debit or EFTPOS
Access
ATM, EFTPOS, Visa Debit, Cheque book, BPay, Branch access, Bank@Post
ATM networks
Australian Military Bank
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.70
Phone fee
$0.00
Internet fee
$0.50
Overseas ATM fee
$4.50
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
Visa Debit Card is available with a $30 annual fee.
Other benefits
-
Fee free transactions
Unlimited free transactions from phone and internet banking
Military Rewards Account
Account fee
$0.00
Payment options
Apple Pay, Google Pay, PayID, Samsung Pay, Fitbit, Garmin, PayTo
Interest rate
0.01
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.01% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, Google Pay, PayID, Samsung Pay, Fitbit, Garmin, PayTo
What kind of card?
Visa Debit or EFTPOS
Access
ATM, EFTPOS, Visa Debit, Cheque book, BPay, Branch access, Bank@Post
ATM networks
Australian Military Bank
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
$4.50
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
-
Other benefits
Deposit min $2,000 per month to receive 1% cashback on Visa PayWave transactions under $100 up to $25 per month. Cents in the account at end of month between 1c and 99c are swept. They are then matched by Australian Military Bank and contributed to 1 of 4 Defence related charities (DefenceCare, Legacy, Mates4Mates and Soldier On)
Fee free transactions
Unlimited free transactions from phone and internet banking
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