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Target Market Determinations

Delivering better customer outcomes

We are required to make Target Market Determinations available under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act (Cth) 2019.

This is to ensure that the right products end up in the hands of the right customer by focusing on our customers in the design and distribution of our financial products.

What is a Target Market Determination (TMD)?

A TMD is a document which describes:

  • the persons for which the product has been designed,
  • the conditions around the product’s distribution,
  • when this TMD will be reviewed, and
  • record keeping and reporting obligations of distributors.

Please note a TMD is not intended to provide financial advice. When making a decision about a product always make sure you refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.

This page includes the Target Market Determinations for financial products issued and/or distributed by Bendigo Bank.

Products for personal customers

Products are issued by our insurance provider, Insurance Australia Limited, trading as CGU. The links for each of the insurance TMD’s will open a PDF document on the Insurance Australia Limited website.

Products are issued by our Life insurance provider, AIA Australia. AIA Australia has prepared TMDs which describe the class of consumers that comprise the target market for this product. The TMDs will open on AIA Australia’s website.

Products are issued by Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.

This product is issued by our telegraphic transfer provider, American Express International Inc. The TMD link will open a PDF document on the American Express website.

Products for business customers

Products are issued by our insurance provider, Insurance Australia Limited, trading as CGU. The links for each of the insurance TMD’s will open a PDF document on the Insurance Australia Limited website.

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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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