Australian Military Bank Mess Account

Do you want to open a bank account designed specifically for Australian Defence Force organisations?

You can open the Australian Military Bank Mess Account if you’re an Australian Defence Force (ADF) related organisation such as a mess, club or canteen. This everyday account gives you access to funds in different ways, letting you pay bills and transact with equal ease. The account does not attract any ongoing monthly fees.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameAustralian Military Bank Mess Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$4.50
International transaction fee2.95%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This account is designed for Defence Force organisations to help manage day-to-day expenses and transactions. You can get several linked Visa Debit Cards with the account so each person who needs to make transactions on behalf of the organisation has their own card.

There are no account keeping fees and no ongoing balance requirements to meet, making this a flexible, low-stress account.

Key features

Minimum balance

You don't need any minimum balance to get started.

Visa debit card

The account allows for unlimited card holders. You can use the Visa debit card linked to your account to withdraw cash at ATMs and to make transactions at EFTPOS terminals the world over. You can also use your card details to make online and over the phone transactions. Every Visa debit card attracts an annual fee of $30.

How to apply


You can apply for the Australian Military Bank Access Account online, over the phone or by visiting any branch. To apply, you have to meet these eligibility criteria:

  • You are applying as an ADF related organisation such as a mess, club or canteen
  • You, as the primary signatory, are over 18 years of age

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