Skip to main content
We're here for you. Visit our COVID-19 help page for information on how we can help.
Close alert
Locate us 1300 236 344
Logon
Financial planningFuneral Bonds

Complete Home Loan

With our Complete Home Loan, you get the flexibility you want, with the features and benefits you need. 

One of Australia's most trusted brands1
Australia's 5th biggest retail bank
Top 100 ASX listed Company

Interest rates

View our range of interest rates

Young couple sitting at table using their phones.
Bank anywhere, anytime

Easy to use, Bendigo e-banking is available 24/7. Register by visiting one of our branches or calling 1300 236 344.

Illustration of woman in front of Bendigo Bank branch.
Trying Bendigo Bank is easier than ever

If your bank isn't doing the right thing by you, change to one you can feel better about. The Better Big Bank.

Two men sitting at table having a discussion.
Speak to a Business Specialist

We have local specialists who are dedicated to helping you and your business.

Young mother with her two young children playing.
SmartStart Super

Low cost and simple, Bendigo SmartStart Super is designed to help you retire with more.

Image of male student at university.
Bendigo and Adelaide Bank Scholarships

Our scholarship programs help young people achieve their academic dreams.

New growth on bushfire burnt tree.
Disaster recovery

Telling the stories of relief, recovery and your donations at work.

Every day our customers help change and save lives. Simply by banking with us.

Community Enterprise Foundation

Looking up at burnt trees with some new growth showing.

Bushfire community recovery grants program

Our program will support the rebuilding and strengthening of the social fabric within bushfire affected communities.

Applications are invited from not-for-profit organisations to fund charitable projects that assist with community recovery in bushfire affected communities.

Looking up at burnt trees with some new growth showing.

1 Source Roy Morgan All Brand Net Trust Score Surveys 2019

Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.

3 The comparison rates displayed are calculated for secured personal loans with a loan amount of $30,000 and a term of 5 years, for unsecured personal loans the loan amount is $10,000 with a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

4 The 55-day interest-free period consists of your 30-day statement cycle, plus the 25 days to the payment due date. The number of interest-free days will vary for each transaction, depending on which day in the 30-day statement cycle the purchase is made.

5 Bendigo Complete Home Loan 2 Year Fixed: Available to customers with owner occupied, principal and interest home loans.

6 The Bendigo Complete Home Loan comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

*Low Rate Credit Card Offer

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 30 September 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card Offer commences on 1 October 2020 and comprises 0% purchase rate for 15 months and a $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases in 90 days.

To be eligible, a new Low Rate Credit Card application must be submitted between 12:01am AEST 1 October 2020 and 11:59pm AEST 3 January 2021.

Bendigo Bank may vary or end this offer and it is only available on the Low Rate Credit Card. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Complete and Deals or Shareholder products. One account per customer. Offer is not available when closing/transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Offer also subject to minimum monthly repayments being made as per your monthly statement and the account not otherwise being in default. Promotional balance transfer offer is not available in conjunction with this offer.

Purchase Rate Offer

For the first 15 months after account opening, interest on purchases is waived, subject to minimum monthly repayments being made and the account not otherwise being in default. At the end of 15 months from account opening, the remaining purchase balance will revert to standard purchase interest rate. Offer does not apply to cash advances.

The standard purchase interest rate of the Low Rate Credit Card is currently 11.99% p.a. The cash advance rate of the Low Rate Credit Card is currently 13.99% p.a.

$150 Woolworths Supermarket Gift Card

Subject to you meeting a minimum spend amount of $1,000 on eligible purchases within 90 days of opening your account, the $150 Woolworths Supermarket Gift Card will be awarded to you within 60 days of meeting the spend criteria.

The Bendigo Bank credit card account used must not be cancelled, closed or in default before the gift card is awarded to you. The gift card cannot be exchanged, be redeemed for cash in part or full, for another prize or transferrable. Refer to the gift card expiry date. If Woolworths gift card is not available, a gift card to the same value will be provided to an equivalent store. Ineligible purchases include cash advances, interest charges, credit fees and charges, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, payments to the Australian Taxation office, bill payments using BPAY® or utility bills paid over the counter at any financial institution or Post Office and any transactions, payments or purchases that are disputed, fraudulent, unauthorised, refunded or reimbursed. A direct debit will be classified as a cash advance if you have provided the debiting merchant with your BSB and account number.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Woolworths Group Ltd ABN 88 000 014 675 is the issuer of the Woolworths Supermarket Gift Card, but is not the promoter of the offer, nor responsible for fulfilment of the offer terms.

Woolworths Supermarket Gift Card, have no expiry date and are redeemable at participating stores only. For a list of participating stores and full Gift Card Terms and Conditions visit woolworths.com.au/giftcards

# Protect and Win Insurance Campaign 

Promotion: Protect and Win

Promoter: Bendigo and Adelaide Bank Limited ABN 11 068 049 178, The Bendigo Centre - 22 Bath Lane, Bendigo, VIC 3550, Australia. Ph: 1300 236 344

Promotional period:
Start date: 01/11/20 at 09:00 am AEDT
End date: 19/12/20 at 11:59 pm AEDT

Eligible entrants: Entry is only open to Australian residents who are 18 years and over.

How to enter: To enter the Promotion, the entrant must purchase Home and/or Contents Insurance, Car Insurance or Landlords Insurance (“Eligible Insurance”) from Bendigo Bank during the Promotional Period.
Entry will be automatically recorded on purchase.

Entries permitted: Limit one (1) entry permitted per Eligible Insurance purchased in accordance with the entry instructions above.

If multiple persons are listed on an Eligible Insurance Policy, only the primary person listed will be entered into this Promotion and eligible to win any prize.

Total prize pool: AUD $35,000.00

Prize description: The prize is $5,000.00 paid by cheque to the winner.
Number of this prize: 7 (1 per Weekly Draw)
Value (per prize): AUD$5,000.00

Winning method:
Weekly Draws: computerised random selection draw - 02:30 pm AEST/AEDT, as applicable in VIC, on 11/11/2020, 18/11/2020, 25/11/2020, 02/12/2020, 09/12/2020, 16/12/2020, 23/12/2020
Winner notification: The winners will be contacted by email and phone within 14 days of the draw. The winners will be published in The Australian on 30/12/20.

Unclaimed prizes: Prizes must be claimed by 09/02/21 at 02:30 pm AEDT. In the event of an unclaimed prize, the prize will be redrawn on 10/02/21 at 02:30 pm AEDT at Plexus, Level 4, 411 Collins St, Melbourne VIC 3000. The winners of the redraw will be notified by email and phone within 14 days of the redraw. The winners will be notified publicly (and their details published) in The Australian on 19/02/20.

1. The entrant agrees and acknowledges that they have read these Conditions of Entry (and Schedule) and that entry into the Promotion is deemed to be acceptance of these Conditions of Entry (and Schedule). Any capitalised terms used in these Conditions of Entry have the meaning given in the Schedule, unless stated otherwise.

2. The Promotion commences on the Start Date and ends on the End Date ("Promotional Period"). Entries are deemed to be received at the time of receipt by the Promoter and not at the time of transmission or deposit by the entrant. Records of the Promoter and its agencies are final and conclusive as to the time of receipt.

3. Valid and eligible entries will be accepted during the Promotional Period.

4. Employees (and their immediate family members) of agencies/companies directly associated with the conduct of this Promotion, the Promoter, businesses involved in determination of winner/s for the Promotion, businesses involved in the management of the Promotion, any organisation benefiting from the Promotion, the Promoter’s distributors, suppliers, subsidiary companies/businesses and associated companies and agencies are not eligible to enter. "Immediate family member" means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.

5. Weekly Draws:
a) The draws will take place at Plexus, Level 4, 411 Collins St, Melbourne VIC 3000 at 02:30 pm AEDT on 11/11/2020, 18/11/2020, 25/11/2020, 02/12/2020, 09/12/2020, 16/12/2020, 23/12/2020 by computerised random selection. Subject to the starting and closing times for the Promotion, entries open for each Weekly Draw at 12am on the Sunday and close 11.59pm the following Saturday (VIC time) during the Promotional Period. Entries in each Weekly Draw will not be entered into any subsequent Weekly Draw/s.
i) The Promoter may draw reserve winners in case of ineligible or invalid entries.
ii) The first valid entry drawn in each Weekly Draw will be the winner of the prize specified in the Schedule above.
b) If a draw is scheduled on the weekend or a public holiday, the draw will be conducted at the same time and location on the following business day.

6. All reasonable attempts will be made to contact each winner.

7. If there are no prize winner/s or winner/s for this Promotion cannot be found this information will be published at https://bendigobank.com.au/insurance.

8. If any winner chooses not to take their prize (or is unable to), or does not take or claim a prize by the time specified by the Promoter, or is unavailable, they forfeit the prize and the Promoter is not obliged to substitute the prize.

9. No part of a prize is exchangeable, redeemable for cash or any other prize or transferable, unless otherwise specified in writing by the Promoter.

10. If a prize (or portion of a prize) is unavailable the Promoter reserves the right to substitute the prize (or that portion of the prize) to a prize of equal or greater value and specification, subject to any written directions of a regulatory authority.

11. No entry fee is charged by the Promoter to enter the Promotion.

12. Each prize will be awarded to the person named in the entry and any entry that is made on behalf of an entrant or by a third party will be invalid. If there is a dispute as to the identity of an entrant or winner, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant or winner.

13. Entrants' personal information will be collected by the Promoter. Personal information will be stored on the Promoter's database. The Promoter may use this information for future marketing purposes regarding its products, including contacting the entrant electronically. The Promoter is bound by the Australian Privacy Principles in accordance with the Privacy Act 1988 (Cth) and its privacy policy which is located at https://www.bendigobank.com.au/public/privacy-policy/full-privacy-policy. The Promoter's privacy policy contains information about how the entrant may access, update and seek correction of the personal information the Promoter holds about them and how the entrant may complain about any potential breach by the Promoter of the Australian Privacy Principles or any other Australian privacy laws and how such complaints will be dealt with. The Promoter collects personal information about entrants to enable them to participate in this Promotion and may disclose the entrants' personal information to third parties including its contractors and agents, prize suppliers and service providers to assist in conducting this Promotion and to the State and Territory lottery departments as required under the relevant lottery legislation. If the entrant does not provide their personal information as requested, they may be ineligible to enter or claim a prize in the Promotion. Personal information collected from entrants will not be disclosed to any entity located outside of Australia.

14. For the purposes of public statements and advertisements, the Promoter may only publish the winner's surname, initial and State/Territory or postcode of residence.

15. It is a condition of accepting the prize that a winner may be required to sign a legal release as determined by the Promoter in its absolute discretion, prior to receiving a prize.

16. If a prize is provided to the Promoter by a third party, the prize is subject to the terms and conditions of the third party prize supplier and the provision of the prize is the sole responsibility of the third party and not the Promoter. The terms and conditions which apply to the prize at the time it is issued to the winner will prevail over these Conditions of Entry, to the extent of any inconsistency. The Promoter accepts no responsibility or liability for any delay or failure by the third party to deliver the prize, any delay or failure relating to the prize itself or failure by the third party to meet any of its obligations in these Conditions of Entry or otherwise.

17. Any guarantee or warranty given is in addition to any relevant statutory guarantees and warranties and nothing in these Conditions of Entry restricts, excludes or modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).

18. If for any reason any aspect of this Promotion is not capable of running as planned, including by reason of computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of the Promoter, the Promoter may in its sole discretion cancel, terminate, modify or suspend the Promotion and invalidate any affected entries, or suspend or modify a prize, subject to State or Territory regulation.

19. The Promoter reserves the right, at any time, to validate and check the authenticity of entries and entrant's details (including an entrant's identity, age and place of residence). In the event that a winner cannot provide suitable proof as required by the Promoter to validate their entry, the winner will forfeit the prize in whole and no substitute will be offered. Incomplete, indecipherable, inaudible, incorrect and illegible entries, as applicable, will at the Promoter's discretion be deemed invalid and not eligible to win. Entries containing offensive or defamatory comments, or which breach any law or infringe any third party rights, including intellectual property rights, are not eligible to win. The use of any automated entry software or any other mechanical or electronic means that allows an individual to automatically enter repeatedly is prohibited and may render all entries submitted by that individual invalid.

20. The Promoter reserves the right to disqualify entries in the event of non-compliance with these Conditions of Entry. In the event that there is a dispute concerning the conduct of the Promotion or claiming a prize, the Promoter will resolve the dispute in direct consultation with the complainant/entrant/winner. If the dispute cannot be resolved the Promoter’s decision will be final.

21. The Promoter and its associated agencies and companies will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person's negligence or wilful misconduct) in connection with this Promotion or accepting or using any prize (or recommendation), except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

22. The entrant will participate in and co-operate as required with all reasonable marketing and editorial activities relating to the Promotion, including (but not limited to) being recorded, photographed, filmed or interviewed and acknowledges that the Promoter may use any such marketing and editorial material without further reference or compensation to them.

23. The Promoter accepts no responsibility for any tax implications and the entrant must seek their own independent financial advice in regards to the tax implications relating to the prize or acceptance of the prize.

24. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.

25. Authorised under: ACT Permit No. TP20/01184 NSW Authority No. TP/00185 and SA Permit No. T20/1047.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

© Copyright 2020 Bendigo and Adelaide Bank