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Funding trades

When trading with BID, you can either purchase shares using your own funds or a margin loan.

How do you want to trade?

A Bendigo Invest Direct trading account is free to open with a simple online application process and fast verification.

Trade with your own cash

Settle your trades, hold funds deposited from dividends, and potentially earn interest using our Bendigo Cash Settlement Account.

  • Opened on your behalf once a Bendigo Invest Direct trading account is established.
  • Account balance displayed on the platform in real time.
  • No monthly account service fee or transaction fees.
  • Earn interest on your account between investments (interest is calculated daily and paid monthly).
$0 - $5,000 0.10%
$5,000 - $20,000 0.15%
$20,000 - $49,999 0.20%
$50,000 - $99,999 0.25%
$100,000 +  0.30%


Trade with borrowed funds

A margin loan lets you borrow money against your own investments to buy more shares, managed funds and exchange traded funds.

Leveraged is Bendigo and Adelaide Bank's specialist margin loan provider. A margin loan from Leveraged is fully integrated with BID^, with its loan details visible on BID platform.

To find out more please call Leveraged on 1300 307 807 or visit Leveraged.

^ Executing Exchange Traded Options (ETOs) trades using a margin loan, is only available via phone.

Ready to get started?

A Bendigo Invest Direct trading account is free to open with no monthly maintenance fees. Sign up in minutes with a simple online application process and fast verification.

Dedicated customer support

We are here to help, so if you would like to get in touch, please contact our dedicated support team via the contact options below.
We operate Monday to Friday, 7.30am - 7.00pm Sydney time (excl. public holidays).


Send us an online enquiry with your preferred contact method and our team will contact you.


Our dedicated customer support team are here to help.

Things you should know

Bendigo Invest Direct

*Online trades only, other rates apply to trades outside the selected markets. Refer to the full list of brokerage rates for more information.

Bendigo Invest Direct is a service provided by CMC Markets Stockbroking Limited ABN 69 081 002 851, AFSL 246381 (“CMC Markets Stockbroking”), a Participant of the ASX Group (Australian Securities Exchange), SSX (Sydney Stock Exchange) and Chi-X (Chi-X Australia)), at the request of Bendigo and Adelaide Bank ABN 11 068 049 178, AFSL 237879 (“Bendigo”). Execution, settlement and clearing services are provided through CMC Markets Stockbroking. Neither CMC Markets Stockbroking nor Bendigo are representatives of each other. To the extent permitted by law, Bendigo will not guarantee or otherwise support CMC Markets Stockbroking's obligations under the contracts or agreements connected with the Bendigo Invest Direct service.

The information provided is general advice only and prepared without considering your personal objectives, financial situations or needs. It’s important that you consider your personal circumstances and view the relevant Terms and Conditions and other information relating to the Bendigo Invest Direct service before making any investment decision. The Financial Services Guides for CMC Markets Stockbroking and Bendigo contain details of fees and charges. All of these documents are available at or you can call us on 1300 788 982.

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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