About us

The origins of Bendigo and Adelaide Bank began more than 160 years ago in two great Australian communities.
Bendigo in Victoria and Adelaide in South Australia.
Each started out as building societies, driven to help Australians buy their own home.

  1. Most satisfied customers of any Australian bank1

  2. Top 70 ASX listed Company with more than 90,000 shareholders

  3. An extensive branch network Australia wide

  4. 1.7 million customers in over 500 communities

  5. Australia's 5th largest retail bank

  6. More than 7,000 employees

Our purpose

As a bank we are good with money. 
But we're more interested in the good that money can do.

Our companies and partners

Bendigo and Adelaide Bank operates a number of brands which offer a diverse range of products and services for our personal and business customer. Our brands include:

Bendigo Bank | Adelaide Bank | Sandhurst Trustees | Leveraged | Rural Bank | Delphi Bank | Alliance Bank

We also have a number of joint venture partners:

Discover more about Community Sector Banking and Homesafe Solutions.


As a Bendigo and Adelaide Bank shareholder you have access to a variety of benefits from the bank.

  • Variable rate discounts for Connect Home Loan Package*.
  • Discount on standard personal loan products.
  • $0 loan application fee on Rural Bank and Rural Finance Agribusiness loans.
  • Many benefits for business loans, term deposits, credit cards, insurance, foreign currency...
  • To access any of the benefits simply present your proof of share ownership and photo identification at any branch.

Call us on 1300 236 344 FIND OUT MORE

Need more information?

Community Bank® shareholders should contact the respective Community Bank® Company secretary or Community Bank® branch.

Codes of practice

At Bendigo Bank, we pride ourselves on our commitment to conduct business ethically and to the highest possible standard.

In line with this commitment, Bendigo Bank complies with a range of codes of practices including the Code of Banking Practice, the Code of Operation for the Department of Human Services, the ePayments Code and Family Law Guidelines which Bendigo Bank has developed in accordance with the Code of Banking Practice.

Code of Banking Practice

Bendigo Bank has adopted the Code of Banking Practice.

The Code of Banking Practice is a voluntary code of conduct which sets standards of good banking practice for us to follow when dealing with you.

A copy of the Code is available at any of our Bendigo Bank branches or by telephoning 1300 236 344. A copy of the Code can also be downloaded or printed here.

Further information on the Code is also available from the Australian Bankers Association website.

Family law guidelines

Under the Code of Banking Practice, the guidelines below set out the manner in which Bendigo and Adelaide Bank Limited will:

  1. Deal with applicants for transfers of mortgage and consents to transfer of title pursuant to a Family Court determination or approval;
  2. Otherwise enforce debts affected by a family law property settlement.

Submissions to the 2000-2002 review of the Code of Banking Practice referred to difficulties in implementing family settlements where there are joint debts and a jointly owned matrimonial home. In particular, the difficulties related to obtaining a bank's consent to the transfer of jointly owned property with a related mortgage to one of the parties and the bank's position if a settlement or court order re-allocates a joint debt of the parties to just one of them.

Where customers hold joint loan accounts, invariably the account holders will have a joint and several liability to a bank. This means that the bank is entitled to ask for the debt to be repaid by the parties jointly and by each of them severally (individually). An agreement between the parties for one of them to take responsibility for a joint and several debt will not change the right of the bank to require either or both parties to pay the debt. The bank has to agree to the re-allocation of liability before it is bound. For example if one spouse has a credit card debt and the other spouse agrees to assume responsibility for the debt, the bank's right against the credit card holder is not affected by the agreement unless the bank agrees to recognise the change of responsibility.

A person's liability to a bank can be either as a borrower or as a guarantor. In these guidelines, a reference to the liability to a bank includes both borrowing and guarantee liabilities. These guidelines are for the assistance of parties, their legal practitioners and representatives involved with family law property proceedings (including agreements for division of matrimonial property) and the division of their joint property that is subject to a mortgage to a bank and of their other joint and several liabilities owed to the bank.


  1. Unless the bank is a party to a court order or to a privately negotiated agreement between parties to a marriage, the bank is not automatically required to consent to arrangements such as the transfer of property mortgaged to the bank or the re-allocation of debt between the parties. The bank has to agree to the re-allocation of liability or the transfer.
  2. While the bank will try to accommodate any new arrangements, it may need to conduct investigations into the parties' financial position so as to satisfy itself about the ability of the transferee of property or the party who has assumed liability for joint debts owed to the bank to fulfil the financial commitment to the bank by himself or herself, without undue hardship.
  3. The bank might either agree to the transfer of the property subject to the mortgage and release the other party from further liability or retain its rights under the personal covenants in the mortgage against that other party.
  4. In the majority of cases a bank would be reluctant to release joint debtors from their joint obligation to the bank where the debt is an unsecured liability.
  5. Where a transfer of property subject to the bank's mortgage is contemplated, applicants should keep in mind the following points:
    1. Allow sufficient time for the bank to make its assessment of the proposal; it is advisable to get in touch with the bank as soon as the likelihood of a settlement or court order altering the interests of the parties in mortgaged property arises:
    2. Don't enter into the agreement or seek the court order until you know the bank will agree to the transfer.
    3. The bank needs to make a fresh financial assessment of the party who is to assume responsibility for the mortgage debt as if it is a new loan application;
    4. Where the court intends making an order requiring one of the parties (A) to pay a lump sum or an amount by instalments in settlement of the other parties (B's) interest in property, if A is to borrow that amount the bank will take that amount into account when assessing A's ability to service the existing loan facility. Depending on A's financial circumstances, the bank might not be satisfied that the existing facility together with the new obligation to B can be serviced by A without undue hardship.
    5. Full financial particulars including the terms of the proposed agreement need to be provided to the bank;
    6. If there are continuing credit facilities such as an overdraft on a joint (or several) account that is secured by a mortgage, the bank may have to stop further drawings on the account until the matter is resolved or unless both parties expressly agree to further drawings;
    7. The bank is not able to divulge information about one of the parties to the other party or to their practitioners or representatives without that parties consent;
    8. If there are other co-owners their consent will be required to any dealing with the property;
    9. If other persons have guaranteed the parties' obligations to the bank, the consent of those guarantors might be needed before any re-arrangement of the facility;
    10. There may be bank and other fees and costs payable for obtaining the bank's consent to a dealing and in connection with the dealing itself;
    11. Each application for the bank's consent will be assessed on a case-by-case basis.
  6. When there is a proposal that one party is to be responsible to repay the bank for jointly owed unsecured debt an application to the bank for consent to recognise the change in liability should be made. The points a) to k) above should be observed.
  7. You will need to contact the bank to ascertain its likely attitude to releasing one of the parties as soon as possible after it becomes apparent that an agreement or court order is likely to provide for a re-allocation of liabilities.
  8. If the court grants one party the sole right to reside in a property to the exclusion of the other party the bank's consent should be sought beforehand. The bank's rights against the other party under the mortgage over the property would be preserved unless the bank agrees to release the other party from the mortgage.
  9. If the bank declines a transfer or to release a party from further liability it will be entitled to enforce that liability, if that becomes necessary.

These guidelines are intended to be for general information and guidance. They are not intended to be legal or financial advice. They are not a substitute for legal or financial advice. If you are contemplating or are involved in family law proceedings or a family law agreement you should seek specialist legal and financial advice.

ePayments Code

Bendigo Bank has adopted the ePayments Code (formerly known as the Electronic Funds Transfer Code of Conduct).

Download a pdf copy of the ePayments Code here.

Code of Operation for the Department of Human Services

The Code of Operation for the Department of Human Services aims to ensure that recipients of income support payments and DVA payments have sufficient income to maintain adequate food and shelter.

Financial Claims Scheme

The Financial Claims Scheme (FCS) is an Australian Government scheme that provides protection and quick access to deposits in banks, building societies and credit unions in the unlikely event that one of these financial institutions fails.

Under the FCS, certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA).

Careers with Bendigo and Adelaide Bank

A career with Bendigo and Adelaide Bank will see you become part of the team. Your contribution will be valued and you’ll get all the help you need to reach your potential and achieve your objectives. And whilst we know that money is important – we’d like to think you’ll enjoy yourself while you’re at it. And that the rest of our staff, and our customers too, will benefit as a result.


We encourage people from a range of different backgrounds, with a variety of skills and personalities to work with us. We want our organisation to reflect the diversity of the communities in which we work.

A growing organisation

We provide the opportunity to be part of a growing organisation. You'll work as part of a dynamic team and receive the training and support you need to achieve your goals.

Range of communities & people

Whether you have a secondary, tertiary or post-graduate education or other work experience, Bendigo and Adelaide Bank offers career opportunities in many sectors.


Additional information:

* Variable Rate discounts are off of the Residential Variable Rate. Fixed rate discounts are off the full carded fixed rate. The interest rate discounts above for the Bendigo Connect Home Loans require 3 eligible products to be held with a discount of 0.10% being provided per eligible product taken for variable loans (up to a maximum of 0.30%) and 0.05% per eligible product for fixed (up to a maximum of 0.15%).

1 Roy Morgan Customer Satisfaction Results May 2017