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A simple solution allowing your staff to make payments as part of their fringe benefits.

Our simple payment solution so you can concentrate on the important things

Making it easy for your employees to make payments, keep track of their spending, and manage their tax requirements.

How it works

Fringe benefits and salary packages don't have to be an administrative headache. Bendigo's low fee b-packaged® debit Mastercard® makes the entire process simpler and is available to eligible organisations.

The b-packaged® card allows employees to make payments with their card as part of their fringe benefits, instead of their taxable income. Whilst also keeping track of spending and managing tax requirements.

The b-packaged® card meets taxation requirements through an Australian Taxation Office Class Ruling (CR 2007/15).

Key features

  • Minimum balance of $1
  • Direct debit
  • Available to eligible organisations including:
    - Public Benevolent Institutions (PBIs)
    - Registered Health Promotion Charities (HPCs)
    - Public and not-for-profit hospitals
    - Public ambulance services
    - Religious institutions
  • Track your spending through Bendigo e-banking*
  • Make EFTPOS transactions with your b-packaged® debit Mastercard
  • Pay your bills using your card details
  • Set up periodical payments for your credit card, home loan or rent payments

Ready to apply?

Call the Salary Packaging Specialist Team on 1300 272 265 or complete the enquiry form and we will contact you.

Frequently asked questions

Our salary-packaging products cannot be opened in Bendigo Bank branches. You will need to fill out the relevant forms and send them to our Salary Packaging Specialist Team, email:

b-packaged is compliant in terms of taxation requirements through an Australian Taxation Office (ATO) Class Ruling (CR 2007/15).

The following is a list of restrictions that apply to the b-packaged account under the ATO Class Ruling:

  • no cash withdrawals (including bank cheques)
  • no cash deposits (only deposit to this account is made by the employer)
  • no cheque book facilities
  • no phone or internet banking facilities (restricted e-banking access only)
  • cardholders cannot transfer funds into personal bank accounts
  • no in-branch transactions
  • no direct debits using card numbers
  • no BPAY® facility

For lost or stolen cards, contact Salary Packaging Special Team on 1300 272 265 anytime from 9.00am to 5.00pm AEST/AEDT, Monday to Friday to report this and to cancel your b-packaged card.

Outside of business hours, call 1800 035 383 (free call) to report the loss or theft and cancel your b-packaged card.

Yes - this can be done via a periodical payment. To set up, simply complete the b-packaged Periodical Payment Authority form. Periodical payments can be made to a home loan with a redraw facility, but not into offset accounts or a line of credit mortgage. Payments must be made directly to the mortgage itself.

Yes - this can be done via a periodical payment. Simply complete the b-packaged Periodical Payment Authority form.

Please note: if your rent is going into your landlord’s personal account (i.e. private rental) you will need to ensure that you arrange for Section 7 of the form (Employer Authorisation) to be completed. We will be unable to establish any payments without this authorisation from your employer.

No, tithes or donations should not be made with the funds in your b-packaged account. These payments are not classed as an expense payment benefit so are therefore non-compliant with the product’s ATO class ruling.

Contact our Salary Packaging Specialist Team on 1300 272 265 for further information.

Things you should know

Target Market Determinations for products are available.

*Bendigo e-banking access is view-only allowing you to keep track of your spending and see your transaction and statement history. Online transfers, BPAY and Pay Anyone (including OSKO) payments are not available for this account.

Mastercard is a registered trademark of Mastercard International Incorporated.

®Registered to BPAY Pty Ltd ABN 69 079 137 518

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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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