Personal account interest rates

Deposit Rates Effective: 7-Sep-16

Transaction account interest rates

ProductTier Interest Rates
Everyday Account
   $0 plus 0.00% pa
Student Account
  $0 < $250 0.05% pa
  $250 < $2,000 0.10% pa
  $2,000 < $5,000 0.25% pa
  $5,000 plus 0.50% pa
Concession Account
 $0 plus0.00% pa
ProductStepped Interest Rates
Easy Retirement Account
For that part of your balance between $0 - $1,999.99 0.25% pa
For that part of your balance between $2,000 - $48,599.99 1.25% pa
For that part of your balance $48,600 and above 2.25% pa

Savings account interest rates

Product Tier Interest Rates
EasySaver Account
  $0 plus 1.25% pa
CommunitySaver Account
  $0 plus 1.25% pa
PiggySaver Account
  $0 plus 1.25% pa
Christmas Club Account
  $0 plus 0.25% pa

Overdrawn account interest rates

  Interest Rates
Passbook Accounts and EasySaver Account.
  Overdrawn Account Rate 14.83% pa
Everyday Account, Easy Retirement Account, PiggySaver Account, Student Account and CommunitySaver Account.
  Standard Overdraft Rate 12.08% pa
  Overlimit Rate* 6.00% pa

* The overlimit rate applies in addition to your overdrawn account rate if you exceed an approved overdraft limit.

Everyday Account - discounted offset rates

The following interest rates are those used to calculate the discounted interest on loan accounts that are linked to a Everyday Account. For more information refer to clause 5.7 to 5.15 of the Bendigo Personal Accounts and Facilities Terms and Conditions.

  Interest Rates
Everyday Account
  Full Offset^ 0.00% pa
  Partial Offset 3.82% pa

^ Not available on fixed rate loans. The partial offset rate can be applied during the fixed rate period.

Personal accounts - no longer offered

ProductTier Interest Rates
Classic Account
  $1 < $500 0.00% pa
  $500 < $10,000 0.05% pa
  $10,000 < $30,000 0.15% pa
  $30,000 plus 0.20% pa
Networth Cash Management Account
  $0 < $5,000 0.00% pa
  $5,000 < $25,000 0.05% pa
  $25,000 < $50,000 0.10% pa
  $50,000 < $100,000 0.15% pa
  $100,000 < $250,000 0.25% pa
  $250,000 < $500,000 0.35% pa
  $500,000 plus 0.75% pa
Money Extra Cash Management Account
  $0 < $5,000 0.00% pa
  $5,000 < $25,000 0.05% pa
  $25,000 < $50,000 0.15% pa
  $50,000 < $100,000 0.25% pa
  $100,000 < $250,000 0.40% pa
  $250,000 < $500,000 0.60% pa
  $500,000 plus 1.00% pa
Piggy Bank Passbook Account
  $0 plus 0.55% pa
Rewards Plus Account
  $0 plus 0.00% pa
Oxfam Community Investment Account
  $0 < $5,000 0.00% pa
  $5,000 < $25,000 0.06% pa
  $25,000 < $50,000 0.17% pa
  $50,000 < $100,000 0.28% pa
  $100,000 < $250,000 0.45% pa
  $250,000 < $500,000 0.67% pa
  $500,000 plus 1.12% pa
Achiever Passbook Account
  $0 plus 0.00% pa
Shareholder Account
  $0 plus 0.00% pa
Ultimate Account
  $0 plus 0.00% pa
Mortgage Saver Account
  Not applicable Not applicable
For discounted Mortgage Saver Account rates, please refer to the above Everyday Account (Offset) - discounted rates
Retirement Account
For that part of your balance between$0 - $1,999.99 0.25% pa
For that part of your balance between$2,000 - $48,599.991.25% pa
For that part of your balance$48,600 and above2.25% pa

All rates subject to change.

This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you