Banking built for
the digital age
Personal accounts, transaction accounts, card issuing, capital & lending, and native crypto — all in one platform. Australia's most complete digital bank.
Instant
Card issuing
$250K
Capital available
256-bit
Encryption
Features
A complete banking platform, not just an app
Personal accounts, card issuing, capital, lending, and integrated crypto — everything you need to manage your finances in one place.
Personal & Transaction Accounts
Full-featured everyday and savings accounts with real-time payments, PayID, and competitive interest rates.
Instant Card Issuing
Issue virtual cards instantly. Order premium physical cards with custom spending limits and merchant controls.
Capital & Lending
Access business capital and personal lending products with transparent rates and flexible repayment terms.
Bank-Grade Security
Biometric auth, passkeys, end-to-end encryption, and real-time fraud monitoring protect every transaction.
Native Crypto Integration
Buy, sell, and hold cryptocurrency directly from your bank account. No separate exchange needed.
Complete Financial View
Track spending, account balances, lending, and digital assets from a single unified dashboard.
Platform
Four pillars of modern banking
ARCTIC Bank is built from the ground up as a complete digital banking platform for Australia — not a crypto app with a bank account bolted on.
Accounts & Cards
Personal and transaction accounts with instant virtual and physical card issuing. PayID, BSB transfers, BPAY.
Capital & Lending
Access to capital with transparent pricing. Business lending, personal credit lines, and flexible repayment.
Integrated Crypto
Buy Bitcoin, Ethereum, and more directly from your bank balance. Native custody, not a bolt-on.
Payments & Transfers
Real-time PayID transfers, BPAY, scheduled payments, and international remittance — all from one place.