Everyday Accounts

Managing your money shouldn’t give you a headache. That’s why we’ve created a range of flexible and accessible bank accounts.

Mess Account

Mess Account


Our Mess Account is designed specifically for the Australian Defence Force and helps Defence related clubs, canteens and messes manage their daily finances.

No monthly


Designed Specifically

for ADF organisations

No minimum



The Mess Account has a range of great features including:
  • No monthly account keeping fees
  • 24 hour access via internet banking and mobile banking
  • Visa debit card access
  • Tap and go payments with Visa payWave
  • Unlimited card holders
  • BPAY® facilities available
  • Banking at Australia Post available
To open a Mess Account, apply online, call us on 1300 13 23 28, or visit us at your nearest branch.

Rates & Fees

Here’s a summary of the rates and fees for the Mess Account:

  • Interest rate: 0.01% p.a.
  • Interest calculated monthly and paid annually on 31 May
  • Monthly account keeping fee: $0

Additional fees may be payable. For information about these fees please see our Schedule of Fees and Charges.

Download the Schedule of Fees and Charges



Here are the top 4 questions we get asked about our Mess Account. Call us on 1300 13 23 28 to speak to a consultant if you have a different question.

Is there a minimum balance needed to open the account and keep it active?
No, there is no minimum balance required to open the account and keep it active.

How does the Mess Account help me keep track of all my expenses?
You’ll have a record of all the transactions on your Mess Account when you log into internet banking or check your account history on our mobile banking app.

Is there a limit on how many card holders can be on the account?
No, there’s no limit to the number of card holders on the account.

Can I earn interest on my balance?
Yes, you can earn interest on your balance, calculated monthly and paid annually on 31 May each year. Refer to the comparison table below for our current interest rates.

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
Bank @ Post
Branch Banking
Interest Calculated
Interest Paid

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