Personal account interest rates

Deposit Rates Effective: 12-Aug-16

Transaction account interest rates

ProductTier Interest Rates
Bendigo Everyday Account
   $0 plus 0.00% pa
Bendigo 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
Bendigo Concession Account
 $0 plus0.00% pa
ProductStepped Interest Rates
Bendigo 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 1.50% pa
For that part of your balance $48,600 and above 2.55% pa

Savings account interest rates

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

Overdrawn account interest rates

Interest Rates
Passbook Accounts and Bendigo EasySaver Account.
  Overdrawn Account Rate 14.83% pa
Bendigo Everyday Account, Bendigo Retirement Account, Bendigo PiggySaver Account, Bendigo Student Account and Bendigo 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.

Bendigo 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 Bendigo 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
Bendigo 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
Bendigo 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
Bendigo 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
Bendigo 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
Bendigo Piggy Bank Passbook Account
  $0 plus 0.55% pa
Bendigo Rewards Plus Account
  $0 plus 0.00% pa
Bendigo 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
Bendigo Achiever Passbook Account
  $0 plus 0.00% pa
Bendigo Shareholder Account
  $0 plus 0.00% pa
Bendigo Ultimate Account
  $0 plus 0.00% pa
Bendigo Mortgage Saver Account
  Not applicable Not applicable
For discounted Mortgage Saver Account rates, please refer to the above Bendigo Everyday Account (Offset) - discounted rates

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