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Concession Account

Easy to use transaction account for eligible customers.

Account features

This easy to use transaction account is for customers with an eligible Commonwealth Government concession card.
Designed for everyday banking with free e-banking transactions, 24 hour ATM and EFTPOS access via your choice of card.


To be eligible you must hold one of the following Commonwealth Government concession cards:

  • Health Care card
  • Pensioner Concession card
  • Commonwealth Seniors Health card
  • Department of Veterans' Affairs Health card (Gold card only)

Ongoing requirements:

  • You must have your qualifying Government pension or allowance paid into this account (where applicable)
  • You will need to provide proof of ongoing eligibility


Designed to make your everyday banking simple:

  • Minimum opening balance of just $1
  • e-banking and phone banking anywhere, anytime
  • Hundreds of branches Australia wide
  • e-statements
  • ATMs Australia wide
  • Debit Mastercard® - providing access worldwide, online, Tap & go™ and cash out in stores or ATMs


  • No monthly service fee
  • Free e-banking transfers, BPAY®, Pay Anyone (including OSKO®)
  • Free phone banking transfers
  • Free Bendigo Bank ATM and branch withdrawals
  • Free EFTPOS withdrawals
  • Free retail purchases

Things you should know

Target Market Determinations for products are available.

BPAY and OSKO® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.

Mastercard trademark

Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.

This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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