# Defence Bank Mobile

> Secure mobile banking for managing accounts, payments, and cards. (iPhone/iPad app by Defence Bank Limited.)

- Source: https://appshunter.io/ios/app/defence-bank-mobile/id1069760230 (this page in markdown: same URL + `.md`)
- Developer: [Defence Bank Limited](https://appshunter.io/developer/973707387)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 10 App Store ratings · 314 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 115 MB
- Languages: English
- Released: 2016-01-17
- Data updated: 2026-08-05
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/defence-bank-mobile/id1069760230/reviews.md

## What is Defence Bank Mobile?

Enjoy secure real-time banking anywhere, anytime with our award-winning mobile banking app.

Top features

- Send and receive money instantly using Osko and PayID.
- Replace lost or stolen cards instantly by adding Quick Cards to your digital wallet.
- Keep track of your spending and transactions with Card Alerts and Quick Balance.
- Check your accounts with ease, and view your eStatements online.
- Securely log on using your fingerprint or PIN.
- Create a digital wallet by linking your Defence Bank cards to your smart phone or watch with Apple Pay, Google Pay™, Samsung Pay, Garmin Pay or Fitbit Pay.
- Change your card’s PIN instantly.
- Log your overseas travel plans using our Travel Planner and make international payments through the app.
- Activate new cards, or report them lost or stolen instantly.
- Control your card usage by restricting transaction types.
- Round up your purchases to the nearest dollar and have the difference transferred to a nominated savings account using Round Ups.
- Compare your spending to the previous month.
- Find branch locations near you.
- Add a custom wallpaper.
- See your balance quickly with Quick Balance, add widgets to your phone to display account information.
- Easily share your account details.
- Use Siri to check your account balances.
- Detailed transaction information – see exactly who and where you spend your money.
- Securely message Defence Bank within the app.
- New opt-in alerts for loans and credit card overdue and coming due.
Download our app and stay on top of your banking, wherever you are in the world from your mobile device.

If you experience any difficulty with registration, please contact us on 1800 033 139 between 8am to 8pm AEST weekdays or email info@defencebank.com.au.

## Key features

- Instant money transfers (Osko, PayID)
- Digital wallet integration (Apple Pay, Google Pay)
- Card management (PIN change, report lost/stolen)
- Spending tracking and alerts
- eStatements and account balance checks
- Travel planning and international payments
- Fingerprint or PIN login

## What do users think of Defence Bank Mobile?

Overall sentiment: positive

**Pros**

- 👍 Extremely easy to use and intuitive interface
- 🚀 Fast and quick transfers between accounts
- 🔒 Strong security features and fraud prevention
- 💳 Comprehensive account and card management
- 🌍 Convenient for overseas banking
- 📱 Clean, simple, and well-organized layout
- ⚡ Responsive and reliable performance
- 🎯 Customizable quick access menu
- 👥 Excellent customer service and support
- 🏦 Australian-owned bank with personal touch

**Cons**

- ⚠️ Frequent 'high risk' transaction warnings
- 🔐 Overly aggressive fraud prevention blocking legitimate transactions
- 📞 Poor customer service response times during disputes
- 🐢 Occasional slow login times
- 📧 Excessive email notifications for transfers
- 🔄 Cannot manage multiple member accounts simultaneously
- ❌ Missing online cheque deposit feature
- 🎨 Limited customization options for appearance

**Commonly reported bugs**

- Quick Balance widget stopped working after iOS updates
- App crashes when left open for extended periods
- Login freezes when switching between apps
- Keyboard occasionally fails to appear during transfers
- Invisible buttons in lower portion of keypad
- Frequent password reset requirements despite correct credentials
- Net position calculation doesn't include RSA accounts
- Back button missing after certain transactions
- App performance issues after updates

**Most requested features**

- Restore Quick Balance widget functionality
- Two-factor authentication option
- Budget creation and tracking tools
- Online cheque deposit capability
- Support for multiple member accounts in single app
- Transaction description visibility in transaction history
- Ability to hide specific accounts from online banking
- Dark mode option
- Built-in calculator for budget calculations
- Custom app background photos
- Better transaction categorization and filtering

## Recent user reviews (10 of 314)

All indexed reviews: https://appshunter.io/ios/app/defence-bank-mobile/id1069760230/reviews.md

### 5/5 — Easy to use

*2026-08-04, version 4.14*

Easy to use on all devices and I have never had an issue.

### 3/5 — External Transfers take days.

*2026-08-02, version 4.14*

Good luck if you want to transfer to any of your external accounts anything over $1000. 
Takes and average of 2-3 days even if it’s a regular payment, it’s actually ridiculous and super inconvenient.

### 1/5 — Same as the rest of you bank

*2026-08-01, version 4.14*

Rubbish

### 5/5 — Excellent

*2026-07-29, version 4.14*

User friendly and with a very efficient.

### 5/5 — Peter

*2026-07-25, version 4.14*

The bank and the app are excellent

### 5/5 — Most User Friendly Banking App Available

*2026-07-05, version 4.14*

The Defence Bank has been my primary Bank for many, many decades. I've always been impressed by the Defence Banking App since its inception due to its very user friendly and easy layout options. Interface updates have introduced improvements that have made the app much more usable.  

Compared to my other major Bank Apps, the Defence Bank App clearly outperforms all of them in terms of usability and ease of understanding. Some of them feel 'clunky' by comparison to the Defence Bank App.

When I've needed to get information or perform larger than normal transfers etc, the Defence Bank Customer Service staff (who I'm happy to say are still located within Australia), have always been very prompt and helpful with my banking financial exchanges and providing me with clear, understandable advice.

The Defence Bank is highly recommended based upon its return performance, this App and its Customer Service.

### 5/5 — Airbreus

*2026-06-29, version 4.14*

Great service, Awesome staff #1 banking experience #1 Banking Security.

### 5/5 — DefBank

*2026-06-27, version 4.14*

User friendly and covers all my domestic needs

### 5/5 — Easy to navigate

*2026-06-26, version 4.14*

User friendly and intuitive interface that makes online banking simple.

### 5/5 — Spend-I

*2026-06-24, version 4.14*

Great format,easy to send funds internationally,
All activities streamlined so good, thankyou

## Frequently asked questions about Defence Bank Mobile

### What can I do with the Defence Bank Mobile app?

The app allows you to securely manage your banking on the go. You can send and receive money instantly, add cards to your digital wallet, track spending with alerts, view eStatements, and log in using your fingerprint or PIN. It also supports travel planning and international payments.

### How do I make payments or transfer money?

You can send and receive money instantly using Osko and PayID directly within the app. Additionally, you can link your Defence Bank cards to your smartphone or watch through various digital wallet services like Apple Pay, Google Pay, and Samsung Pay for convenient payments.

### Is the Defence Bank Mobile app free to use?

Yes, the Defence Bank Mobile app is free to download and use. There are no charges associated with using its core banking and payment features. Any potential costs would be related to your underlying bank accounts or transaction types, not the app itself.

### What devices is the Defence Bank Mobile app compatible with?

The app is designed for mobile devices, including smartphones and watches. It supports integration with digital wallets like Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay, indicating compatibility with major mobile operating systems and wearable devices.

### How can I control my card usage with the app?

The app provides robust control over your card usage. You can instantly replace lost or stolen cards, change your card's PIN, and even restrict specific transaction types. This allows you to manage your card security and spending habits effectively.

## Version history (last 5 releases)

### 4.14 — 2026-04-07

Enhancements to PayTo
Bug fixes

### 4.13.3 — 2026-03-02

Enhancements to secure messaging
Bug fixes

### 4.13.2 — 2026-01-19

We’ve given our Visa Debit Cards a fresh new look! Enjoy the same secure, seamless experience now with updated branding and a modern design.

### 4.13.1 — 2025-12-03

We’ve given our Visa Debit Cards a fresh new look! 
Enjoy the same secure, seamless experience now with updated branding and a modern design.

### 4.13 — 2025-10-15

We’ve made some key improvements to enhance your mobile banking experience and keep your money safer.


Introducing Confirmation of Payee - a service designed to help protect you from scams or mistakenly sending money to the wrong account.  When you enter a BSB and account number to send money, the system checks the account name, BSB, and number against the details held by the recipient’s bank. You’ll then see a result that shows whether the details match.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-05.*