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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

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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.

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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.

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Speak to a Business Specialist

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

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SmartStart Super

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

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We have a new look!

A fresh new style to match our modern banking capability.

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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.

Bushfire appeal

View all campaigns
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Bushfire Disaster Appeal

Bendigo Bank has partnered with The Salvation Army, to establish an appeal with 100% of donated funds going directly to communities in need.

This bushfire event is far from over and we are committed to supporting all communities impacted across Australia.

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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.

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 3 August 2020 and is subject to change. Full details available on application. Lending criteria apply.

Low Rate Credit Card offer commences 3 August 2020 and comprises a $150 Woolworths Supermarket Gift Card offer and $0 annual fee for the first year.

To be eligible, a new Low Rate Credit Card application must be submitted between 3 August and 11:59pm AEST 30 September 2020 and approved.

Bendigo Bank may vary or end this offer and it is not available to staff or in conjunction with any other offer including Low Rate Complete, Low Rate Connect 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.

$0 Annual fee for the first year

Low Rate credit card annual fee will be waived for the first year. After the first year the annual fee will revert to the product annual fee (currently $45).

$150 Woolworths Supermarket Gift Card

Subject to you meeting a minimum spend amount of $1,000 on eligible purchases within 60 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 credit account must not be cancelled, closed or in default before the gift card is awarded. 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, disputed transactions, 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

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.

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