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Personal account interest rates 

Compare our personal account rates on one page.

Deposit Rates Effective: 11/10/2019

Transaction account interest rates
Product
Tier
Interest Rates 
Everyday Account 
  $0 plus 0.00%p.a
Student Account
  $1 < $250 0.05%p.a
  $250 < $2,000 0.10%p.a
  $2,000 < $5,000 0.15%p.a
  $5,000 plus 0.20%p.a
Concession Account
  $0 plus 0.00%p.a

 

Product 
Stepped
Interest Rates
Easy Retirement Account    

For that part of your balance

between

$0 - $9,999.99 0.10%p.a

For that part of your balance

between

$10,000 - $49,999.99 0.25%p.a

For that part of your balance

between

$50,000 - $249,999.99 0.75%p.a
For that part of your balance $250,000 and above 0.95%p.a
Savings account interest rates
Product 
Tier 
Interest Rates 
EasySaver Account    
  $0 plus 0.50%p.a
CommunitySaver Account     
  $0 plus 0.50%p.a
PiggySaver Account    
  $0 plus 0.50%p.a
Christmas Club Account    
  $0 plus 0.15%p.a
Overdrawn account interest rates
 
Product
 
Interest Rates

Passbook Account

EasySaver Account

   
  Overdrawn Account Rate 14.48%p.a

Everyday Account

Easy Retirement Account

PiggySaver Account

Student Account

CommunitySaver Account

  Standard Overdraft Rate 11.73%p.a
  Overlimit Rate* 6.00%p.a

* The overlimit rate applies in addition to your overdrawn account rate if you exceed an approved overdraft limit.

Everyday Account - discounted offset rates

The following interest rates are those used to calculate the discounted interest on loan accounts that are linked to a Everyday Account. For more information refer to clause 5.7 to 5.15 of the Bendigo Personal Accounts and Facilities Terms and Conditions.

   
Interest Rates 
Everyday Account     
 

Full Offset^

0.00%p.a
  Partial Offset 3.27%p.a

^ Not available on fixed rate loans. The partial offset rate can be applied during the fixed rate period.

Personal accounts - no longer offered

 

Product 
Tier
Interest Rates 

Classic Account 

 

$1 < $500

0.00%p.a.

 

$500 < $10,000

0.00%p.a.

 

$10,000 < $30,000

0.05%p.a.

 

$30,000 plus

0.10%p.a.

 

Product
Tier
Interest rate

Networth Cash Management Account

 

$0 < $5,000

0.00%p.a.

 

$5,000 < $25,000

0.05%p.a.

 

$25,000 < $50,000

0.10%p.a.

 

$50,000 < $100,000

0.15%p.a.

 

$100,000 < $250,000

0.15%p.a.

 

$250,000 < $500,000

0.20%p.a.

 

$500,000 plus

0.25%p.a.

Product 
Tier
Interest rate 
Money Extra Cash Management Account 
  $0 < $2,000 0.00%p.a.
  $2,000 < $25,000 0.05%p.a.
  $25,000 < $50,000 0.10%p.a.
  $50,000 < $100,000 0.15%p.a.
  $100,000 < $250,000 0.20%p.a.
  $500,000 plus 0.35%p.a.

 

Product 
Tier
Interest rates

Piggy Bank Passbook Account

 

$0 plus

0.30%p.a.

 

Product 
Tier
Interest rates

Rewards Plus Account 

 

$0 plus

0.00%p.a.

 

Product 
Tier 
Interest rates 

Oxfam Community Investment Account

 

$0 < $2,000

0.00%p.a.

 

$2,000 < $25,000

0.05%p.a.

 

$25,000 < $50,000

0.10%p.a.

 

$50,000 < $100,000

0.15%p.a.

 

$100,000 < $250,000

0.20%p.a.

 

$250,000 < $500,000

0.25%p.a.

 

$500,000 plus

0.35%p.a.

 

Product 
Tier 
Interest rates 

Achiever Account

 

$0 plus

0.00%p.a.

Shareholder Account

 

$0 plus

0.00%p.a.

Ultimate Account

 

$0 plus

0.00%p.a.

Mortgage Saver Account

 

Not applicable

Not applicable

For discounted Mortgage Saver Account rates, please refer

to the above Everyday Account (Offset) - discounted rates

Product 
Stepped 
Interest
rates 

Retirement Account

For that part of your balance

between

$0 - $9,999.99

0.10%p.a.

For that part of your balance

between

$10,000 - $49,999.99

0.25%p.a.

For that part of your balance

between

$50,000 - $249,999.99

0.75%p.a.

For that part of your balance

$250,000 and above

0.95%p.a.

 

All rates subject to change.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

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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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