Deposit Rates effective: 20/08/2025
Transaction account interest rates
|
Product |
Tier |
Interest Rates |
|---|---|---|
| Business Everyday Account | $0 plus | 0.00% p.a. |
| Business Basic Account | $0 plus | 0.00% p.a. |
Trust account interest rates
|
Product |
Tier |
Interest Rates |
|---|---|---|
| Real Estate Trust Account | Not applicable | Not applicable |
| Solicitor Trust Account | Not applicable | Not applicable |
| Conveyancer Trust (VIC) Account | Not applicable | Not applicable |
| Retention Money Trust (NSW) Account | $0 plus | 0.00% p.a. |
Overdraft account interest rates
| Product |
Interest Rates |
|
|---|---|---|
| Bendigo Business Everyday Account | ||
| Business Overdraft Indicator Rate | 10.74% p.a. | |
| Overlimit Rate* | 6.00% p.a. | |
| Business EasySaver Account | ||
| Overdrawn Account Rate | 17.73% p.a. | |
| Business CommunitySaver Account Not-For-Profit Cash Management Trading Account Salary Benefit Card Account Gift Fund Account Capacity Builder Account |
||
| Standard Overdraft Rate | 14.98% p.a. | |
| Overlimit Rate* | 6.00% p.a. | |
| Solicitors Trust Account Real Estate Trust Account Conveyancer Trust (VIC) Account Retention Money Trust (NSW) Account. |
||
| Not Applicable | ||
Business accounts - no longer offered
The Daily Balance in your account will be used to offset your linked loan account for the purpose of calculating the interest payable on your linked loan account. See clause 5.40 to 5.46 of the Business Accounts & Facilities Terms and Conditions document for additional details.
|
Product |
Tier |
Interest Rates |
|---|---|---|
| Emergency Services Account | ||
| $0 plus | 0.00% p.a. | |
| Community Choice Partners Account | ||
| $0 plus | 0.00% p.a. | |
| Bendigo Oxfam Community Account | ||
| $0 < $5,000 | 0.00% p.a. | |
| $5,000 < $25,000 | 0.00% p.a. | |
| $25,000 < $50,000 | 0.00% p.a. | |
| $50,000 < $100,000 | 0.00% p.a. | |
| $100,000 < $250,000 | 0.00% p.a. | |
| $250,000 < $500,000 | 0.00% p.a. | |
| $500,000 plus | 0.01% p.a. | |
| Bendigo Business Cash Management Account | ||
| $0 < $5,000 | 0.00% p.a. | |
| $5,000 < $25,000 | 0.00% p.a. | |
| $25,000 < $50,000 | 0.00% p.a. | |
| $50,000 < $100,000 | 0.00% p.a. | |
| $100,000 < $250,000 | 0.00% p.a. | |
| $250,000 < $500,000 | 0.00% p.a. | |
| $500,000 plus | 0.00% p.a. | |
| Bendigo School Cash Management Account | ||
| $0 < $10,000 | 0.00% p.a. | |
| $10,000 < $25,000 | 0.00% p.a. | |
| $25,000 < $50,000 | 0.00% p.a. | |
| $50,000 < $100,000 | 0.00% p.a. | |
| $100,000 < $250,000 | 0.00% p.a. | |
| $250,000 < $500,000 | 0.00% p.a. | |
| $500,000 plus | 0.00% p.a. | |
| Bendigo GST Management Account | ||
| $0 plus | 0.00% p.a. | |
| Bendigo Trust Account | ||
| $0 < $10,000 | 0.00% p.a. | |
| $10,000 plus | 0.00% p.a. | |
| Bendigo Primary Producer Account | ||
| $0 < $50,000 | 0.00% p.a. | |
| $50,000 plus | 0.00% p.a. | |
| Business Account | ||
| $0 plus | 0.00% p.a. | |
| Business CommunitySaver Account | ||
| $0 plus | 0.70% p.a. | |
| Business Solutions Account | ||
| $0 < $20,000 | 0.00% p.a. | |
| $20,000 < $50,000 | 0.00% p.a. | |
| $50,000 < $100,000 | 0.00% p.a. | |
| $100,000 < $150,000 | 0.00% p.a. | |
| $150,000 plus | 0.00% p.a. | |
| Business Investment Facility | ||
| $0 < $20,000 | 0.00% p.a. | |
| $20,000 < $50,000 | 0.00% p.a. | |
| $50,000 < $100,000 | 0.00% p.a. | |
| $100,000 < $150,000 | 0.00% p.a. | |
| $150,000 plus | 0.00% p.a. | |
| Commercial Everyday Account | ||
| $0 plus | 0.00% p.a. | |
| Commercial Basic Account | ||
| $0 plus | 0.00% p.a. | |
| Our Community Account | ||
| $0 < $2,000 | 0.00% p.a. | |
| $2,000 < $25,000 | 0.00% p.a. | |
| $25,000 < $50,000 | 0.00% p.a. | |
| $50,000 < $100,000 | 0.00% p.a. | |
| $100,000 < $250,000 | 0.00% p.a. | |
| $250,000 < $500,000 | 0.00% p.a. | |
| $500,000 plus | 0.01% p.a. | |
Ex Community Sector Banking (CSB) Accounts - no longer offered |
||
| Ex CSB - Not-For-Profit Everyday Account / Not-For-Profit Cash Management Account | ||
| $0 < $250,000 | 0.00% p.a. | |
| $250,000 < $500,000 | 0.00% p.a. | |
| $500,000 plus | 0.01% p.a. | |
| Ex CSB - Social Investment Deposit Account | ||
| $0 plus | 0.05% p.a. | |
| Ex CSB - Capacity Builder Deposit Account | ||
| $0<$500,000 | 0.00% p.a. | |
| $500,000 plus | 0.05% p.a. | |
Overdraft accounts |
||
| Bendigo Business Basic Account | ||
| Commercial Overdraft Facility Rate^ | 8.64% p.a. | |
| Small Business 100% Residentially Secured Overdraft Rate^ | 9.24% p.a. | |
| Small Business Non-Residential Overdraft Rate^ | 10.54% p.a. | |
| Small Business Unsecured Overdraft Rate^ | 15.14% p.a. | |
| Bendigo Business Investment Facility | ||
| Business Investment Facility 100% Residentially Secured Rate | 9.64% p.a. | |
| Business Investment Facility Non-Residential Secured Rate | 10.64% p.a. | |
| Bendigo Commercial Everyday Account Bendigo Commercial Basic Account |
||
| Overdraft Indicator Rate | 9.55% p.a. | |
| Commercial Overdraft Rate^ | 9.64% p.a. | |
| Overlimit Rate* | 6.00% p.a. | |
Things you should know
^A Margin may apply on top of the published rate
*The overlimit rate applies in addition to your overdrawn rate if you exceed an approved overdraft limit.
