When you’re a big bank, you have big responsibilities. The biggest of which is to do the right thing. It’s something we’ve always been good at.
The origins of Bendigo and Adelaide Bank began more than 160 years ago in two great Australian communities. Bendigo in Victoria and Adelaide in South Australia. Each started out as building societies, driven to help Australians buy their own home.
Most satisfied customers of any Australian bank1
Top 70 ASX listed Company with more than 110,000 shareholders
An extensive branch network Australia wide
1.7 million customers in over 500 communities
Australia's 5th largest retail bank
More than 7,000 employees
As a bank we are good with money.
But we're more interested in the good that money can do.
More than just money
We care about people and what they care about.
Great things happen
We share your values
Looking to the future
Our companies and partners
Bendigo and Adelaide Bank operates a number of brands which offer a diverse range of products and services for our personal and business customer.
Our brands include:
We also have a number of joint venture partners:
Accessibility and codes of practice
At Bendigo Bank, we pride ourselves on our commitment to conduct business ethically and to the highest possible standard.
In line with this commitment, Bendigo Bank complies with a range of codes of practices including the Banking Code of Practice, the Code of Operation for the Department of Human Services and the Department of Veterans' Affairs, Family Law Guidelines and the ePayments Code.
Bendigo Bank has adopted the Banking Code of Practice.
The Banking Code of Practice is a voluntary code of conduct which sets standards of good banking practice for us to follow when dealing with you.
Further information on the Code is also available from the Australian Banking Association website.
Bendigo Bank has adopted the ePayments Code (formerly known as the Electronic Funds Transfer Code of Conduct).
Download a pdf copy of the ePayments Code here.
The Code of Operation covers the recovery of debts from Department of Human Services income support payments or Department of Veterans' Affairs (DVA) payments.
It aims to ensure that recipients of income support payments and DVA payments have sufficient income to maintain adequate food and shelter.
The guidelines below set out the manner in which Bendigo and Adelaide Bank Limited (the Bank) will:
a. Deal with applicants for transfers of mortgage and consents to transfer of title pursuant to a Family Court determination or approval; and
b. Otherwise enforce debts affected by a family law property settlement.
Where customers hold joint credit facilities, invariably the account holders will have a joint and several liability to the Bank. This means that the Bank is entitled to ask for the debt to be repaid by the parties jointly and by each of them severally (individually). An agreement between the parties for one of them to take responsibility for a joint and several debt will not change the right of the Bank to require either or both parties to pay the debt. The Bank has to agree to the re-allocation of liability before it is bound. For example, if one spouse has a credit card debt and the other spouse agrees to assume responsibility for the debt, the Bank's right against the credit card holder is not affected by the agreement unless the Bank agrees to recognise the change of responsibility.
A person's liability to a bank can be either as a borrower or as a guarantor. In these guidelines, a reference to a liability to a bank includes both borrowing and guarantee liabilities. These guidelines are for the assistance of parties, their legal practitioners and representatives involved with family law property proceedings (including agreements for division of matrimonial property) and the division of their joint property that is subject to a mortgage to a bank and of their other joint and several liabilities owed to the Bank.
- Unless the Bank is a party to a court order or to a privately negotiated agreement between parties to a marriage, the Bank is not automatically required to consent to arrangements such as the transfer of property mortgaged to the Bank or the re-allocation of debt between the parties. The Bank has to agree to the re-allocation of liability or the transfer.
- While the Bank will try to accommodate any new arrangements, it may need to conduct investigations into the parties' financial position so as to satisfy itself about the ability of the transferee of property or the party who has assumed liability for joint debts owed to the Bank to fulfil the financial commitment to the Bank by themselves, without undue hardship.
- The Bank might either agree to the transfer of the property subject to the mortgage and release the other party from further liability or retain its rights under the personal covenants in the mortgage against that other party.
- In the majority of cases a bank would be reluctant to release joint debtors from their joint obligation to the Bank where the debt is an unsecured liability.
- Where a transfer of property subject to the Bank's mortgage is contemplated, applicants should keep in mind the following points:
a. Allow sufficient time for the Bank to make its assessment of the proposal; it is advisable to contact the Bank as soon as the likelihood of a settlement or court order altering the interests of the parties in mortgaged property arises:
b. Don't enter into the agreement or seek the court order until you know the Bank will agree to the transfer.
c. The Bank needs to make a fresh financial assessment of the party who is to assume responsibility for the mortgage debt as if it is a new loan application;
d. Where the court intends making an order requiring one of the parties (A) to pay a lump sum or an amount by instalments in settlement of the other parties (B's) interest in property, if A is to borrow that amount the Bank will take that amount into account when assessing A's ability to service the existing loan facility. Depending on A's financial circumstances, the Bank might not be satisfied that the existing facility together with the new obligation to B can be serviced by A without undue hardship.
e. Full financial particulars including the terms of the proposed agreement need to be provided to the Bank;
f. If there are continuing credit facilities such as an overdraft on a joint (or several) account that is secured by a mortgage, the Bank may have to stop further drawings on the account until the matter is resolved or unless both parties expressly agree to further drawings;
g. The Bank is not able to divulge information about one of the parties to the other party or to their practitioners or representatives without that parties’ consent;
h. If there are other co-owners their consent will be required to any dealing with the property;
i. If other persons have guaranteed the parties' obligations to the Bank, the consent of those guarantors might be needed before any re-arrangement of the facility;
j. There may be Bank and other fees and costs payable for obtaining the Bank's consent to a dealing and in connection with the dealing itself;
k. Each application for the Bank's consent will be assessed on a case-by-case basis.
- When there is a proposal that one party is to be responsible to repay the Bank for jointly owed unsecured debt, an application to the Bank for consent to recognise the change in liability should be made. The points a) to k) above should be observed.
- Please note that where the court grants one party the sole right to reside in a property to the exclusion of the other party, the Bank's rights against the other party under the mortgage would be preserved unless the Bank agrees to release the other party from the mortgage.
- If the Bank declines a transfer or to release a party from further liability, it will be entitled to enforce that liability, if that becomes necessary.
These guidelines are intended to be for general information and guidance. They are not intended to be legal or financial advice. They are not a substitute for legal or financial advice. If you are contemplating or are involved in family law proceedings or a family law agreement you should seek specialist legal and financial advice.
We are committed to creating an inclusive and supportive Bank for our customers, our staff and the community. Ensuring our products, services and workplace are accessible for all people, including those with disability, is important to us.
Our products and services are regularly reviewed to make sure all our customers can access and conduct their banking safely and securely. We are committed to leveraging industry expertise and advances in new technology to ensure banking with us is a positive and seamless experience.
There are many things underway at the moment to ensure we are accessible including:
- Working towards being WCAG (Web Content Accessibility Guidelines) 2.1 compliant
- Being an active participant on the Australian Banking Association review of the Accessibility Guiding Principles which were released in November 2018
- Working with organisations such as Vision Australia to assist us with design and testing of key banking services
- Partnering with the Australian Network on Disability as proud Gold Members in creating our Access and Inclusion Plan
We continually strive to improve our accessibility and we value feedback from you on ways we can improve our access or fix any problems. Please contact us if there is information on this website, or in any of our digital channels, which you cannot access.
You can provide this feedback by either:
- Calling us on 1300 236 344 (from overseas +61 3 5445 0666)
- Sending us a message
- Using Bendigo Bank Online Chat
- Or speaking to a staff member at one of our 540 customer service outlets
Users who are deaf or have a hearing or speech impairment can call through the National Relay Service:
- TTY users phone 133 677 then ask for 1300 BENDIGO (1300 236 344).
- Speak and Listen (speech-to-speech relay) users phone 1300 555 727 then ask for 1300 BENDIGO (1300 236 344).
- Internet relay users connect to the National Relay Service and then ask for 1300 236 344.
We are committed to developing a culture that embraces and advocates diversity and inclusiveness at all levels of our organisation. See our Diversity and Inclusion Policy for more information.
Financial Claims Scheme
The Financial Claims Scheme (FCS) is an Australian Government scheme that provides protection and quick access to deposits in banks, building societies and credit unions in the unlikely event that one of these financial institutions fails.
Under the FCS, certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA).
Your contribution will be valued and you’ll get all the help you need to reach your potential and achieve your objectives. And whilst we know that money is important – we’d like to think you’ll enjoy yourself while you’re at it. And that the rest of our staff, and our customers too, will benefit as a result.
We encourage people from a range of different backgrounds, with a variety of skills and personalities to work with us. We want our organisation to reflect the diversity of the communities in which we work.
A growing organisation
We provide the opportunity to be part of a growing organisation. You'll work as part of a dynamic team and receive the training and support you need to achieve your goals.
Range of communities & people
Whether you have a secondary, tertiary or post-graduate education or other work experience, Bendigo and Adelaide Bank offers career opportunities in many sectors.