Savings account rates › Defence Bank
Home Loan Offset account
Defence Bank
CDR officialNot listed in rate tables
For whatever you need, for whatever’s ahead, the Home Loan Offset account is the way to manage your day-to-day banking while reducing the interest payable on your home loan.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 0.00% | Variable | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://product.defencebank.com.au/cds-au/v1/banking/products/152- Content hash
sha256 0f2b675b09f3784531dbfd7265ddcc52e8a92b707df7f95eb388efc65d90e115- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_0f2b675b09f37845_fa346cc9Show details
- Checked
- 1 Nov 2026
- URL
https://product.defencebank.com.au/cds-au/v1/banking/products/152- Content hash
sha256 0f2b675b09f3784531dbfd7265ddcc52e8a92b707df7f95eb388efc65d90e115- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Emergency cash | Event | $0.00 |
| Emergency card replacement | Event | $0.00 |
| Visa foreign currency conversion fee | Event | 3.00% |
| Overseas ATM cash withdrawals or balance enquiries fee | Event | $0.00 |
| Bank@Post™ | Event | $21.72 |
| Replacement Visa card within Australia | Event | $0.00 |
| Bank@Post (withdrawals and deposits) | Event | $0.00 |
| Domestic ATM cash withdrawals or balance enquiries | Event | $0.00 |
| Defence Bank ATM cash withdrawals or balance enquiries | Event | $0.00 |
| Same day transfers (via Swift/RTGS) - Inward | Event | $6.80 |
| Same day transfers (via Swift/RTGS) - Outward | Event | $11.80 |
| Record search fee | Event | $50.00 |
| Dormant fee | Event | $20.00 |
| Ultimate Package annual fee | Periodic | $96.00 |
| Dishonours (if insufficient funds) | Event | $0.00 |
| EFTPOS transactions | Event | $0.00 |
| PayTo | Event | $0.00 |
| Pay anyone using a BSB and account or PayID | Event | $0.00 |
| BPAY | Event | $0.00 |
| Internal transfers between Defence Bank accounts | Event | $0.00 |
| Monthly account-keeping fee | Periodic | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Card access | Access to more than 7,000 free ATMs including Defence Bank ATMs and those of the major banks. | |
| Npp enabled | Faster, simpler ways to make payments. | |
| Unlimited txns | ||
| Other | Bank@Post | |
| Other | No monthly fees. | |
| Npp payid | Easy payments in real time. | |
| Offset | The Home Loan Offset account works by using 100% of the balance to ‘offset’ or effectively reduce the portion of your home loan accruing interest. | |
| Card access | Your choice of camo-coloured Visa Debit card - blue, green, grey or pink. | |
| Other | Choose to report your card as lost or stolen or block it temporarily. | |
| Notifications | As an added security feature, Members can now set up transaction alerts on a nominated card via the mobile app to notify them whenever their account has been credited or debited. This is an optional feature that can be turned off and on. | |
| Digital wallet | Compatible with digital wallets from Apple, Garmin, Google and Samsung. | |
| Bill payment | BPAY | |
| Other | Round Ups | |
| Digital banking | Digital banking convenience. | |
| Card access | Select your own Pin | |
| Other | PayTo | |
| Digital wallet | 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. | |
| Eligibility: other | Offset account | Manage your day-to-day banking to reduce the interest payable on your home loan. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable | 1 Nov 2026 | Current | 0.00% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
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