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Personal customers impacted by coronavirus 

We're here to help

We understand how hard it is for some people to ask for help. It’s a difficult, uncertain time but we’re here for you.

If you are worried about your finances it’s important that you contact us as soon as possible. The earlier you contact us the more assistance we will be able to provide.  

This page is updated regularly so keep visiting.

Financial assistance package

If you need financial help during a difficult time, we offer an assistance package that is considered case by case, based on the severity of the impact. This can include:

  • Discounted interest rates on new personal loans for Bendigo Bank customers
  • No interest rate reduction for early withdrawals on term deposits

You may be able to apply for relief* on your:

  • Home loan, residential investment loan, or line of credit
  • Personal loan
  • Personal credit card
  • Equipment finance loan
  • Personal overdraft

Financial difficulty assistance

We understand there may be times when your personal circumstances change. You may experience an unexpected event or changes outside of your control like losing your job, suffering an illness or injury, or being affected by a natural disaster.

As a result, if you can’t afford the minimum repayment on your loan or credit card, and would like us to consider if we can provide financial difficulty assistance, please contact us immediately. The sooner you contact us the sooner we can try to help you.

In many instances help can be provided quickly and efficiently over the phone.

Otherwise we may need to do a more detailed assessment of your personal and financial circumstances to identify how we might be able to help.

Financial difficulty assistance is available to you, whether you are an individual, joint account holder, guarantor or small business customer. If you have a joint account and are experiencing financial difficulty, we can assist you individually if you request it.

If you would like to apply for assistance, please contact:

Mortgage Help Centre


Phone: 1300 652 146

Email: Mortgage Help Centre

Post: PO Box 480, Bendigo, Vic, 3552

Loan deferral impacts

We’re committed to supporting our customers through these challenging times as much as we possibly can, which may include loan deferrals.

This video explains the impact of possible changes to your repayments as part of a loan deferral.

Let our online calculator help you

You may like to use our online calculator to show the effect to repayments and total interest payable as a result of deferring and/or extending the loan term. You can request financial assistance support from our calculator page.

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Do you have questions around your insurance?

Our COVID-19 FAQ's are here to help.

Federal Government financial assistance

The Federal Government continues to offer support through its COVID-19 financial support. We’ll make sure income support and other payments made by the Government are processed as quickly as possible.

The Government also gave you access to up to $10,000 of your superannuation in 2019-20, and a further $10,000 in 2020-21. Applications closed on 31 December 2020.

Things you should know

* Based on your circumstances, you may defer repayments on your home loan, residential investment loan, lines of credit, personal loans, personal credit cards, equipment finance and personal overdrafts.

If you choose to do this, interest and fees will still be added to your loan balance during that time. Once the deferred period finishes, we’ll work with you on a plan to repay the amount you’ve deferred. This might involve increasing your minimum repayments for the deferred period, or extending the term of your loan.

As always, we’re here to help discuss your options and how they’ll affect you.

Connect with us

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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