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Access product documents and forms or search our FAQ modules for a quick response to your questions.

Documents and forms

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Bendigo Invest Direct documents and forms you can download:

  • Disclosure documents
  • Account applications forms
  • Margin lending account application forms
  • Warrants and options
  • One off sales and partly paid securities
  • Administration forms
  • CHESS forms

Top FAQs

Top FAQs

You can open an account by simply completing our online application form. Most applicants can be identified online and will not need to send in any paperwork.

Please note: we can only accept applications from clients permanently residing in Australia.

When we’ve confirmed your ID, or you are electronically identified, we’ll process your application and open your account. This process is usually completed with 2-4 days. You can then begin trading online and over the phone immediately (you’ll need funds and/or shares in your account to place orders).

Please note: The BID Cash Settlement Account balance is reported in real-time, while share transfers take longer to process.

Yes, we currently have a native BID mobile app for iOS and Android mobile operating systems.

If you're an iPhone/iPad user (iOS), you can download the app from App store. If you're an Android user, you can download the app from Google Play.

For security reasons, please only download the BID mobile app via the official App Stores or directly via the App Store links on your device.

Australian Shares Buy part ownership of a listed company on the ASX.
International Shares You can further diversify your portfolio and access a growing number of international markets with your BID account.
Exchange Traded Funds (ETFs) A simple way to buy a diversified portfolio of investments, offering all the benefits of index funds and the flexibility to buy and sell on the ASX.
Options Flexible tools that appeal to active investors. Used wisely, options have the power to protect, grow or even diversify your position.
Warrants An alternative way to gain exposure to some of Australia's leading companies and a variety of other underlying assets.
mFunds A cost-effective way to invest in unlisted managed funds through the mFund Settlement Service brought to you by the ASX, via our online platform.
Interest rate securities and bonds Investing in bonds and interest rate securities allows you to diversify your portfolio and lend money to the issuer. This loan is paid on a fixed or floating rate of return.
Listed Investment Companies (LICs) Similar to managed funds and ETFs, LICs invest in a diverse and professionally managed portfolio of Australian and international assets.

Online orders
You need to have enough funds in your BID Cash Settlement Account. You can also trade online using a margin loan.

Telephone orders
Please discuss payment with the dealer taking your order.

You can use a margin loan from any margin lending provider. If your margin loan is with Leveraged, you can enjoy a seamless fully integrated trading experience on the BID platform.

For more information about Leveraged click here.

To link your existing margin loan account to your Bendigo Invest Direct account click here.

Online brokerage starts from $19.95. Telephone orders start from $69.95 for share trade value up to $22,000.

Frequent Traders can enjoy complimentary access to different features and tools.

If you are a Bendigo & Adelaide Bank Shareholder, you can enjoy discounted brokerage as part of the shareholder privileges programme.

To transfer holdings held with another broker, please complete the Transfer CHESS Holdings form.

If you want to transfer holdings held with the Issuer, please complete the Issuer to Chess transfer form.

Bendigo Invest Direct offers a one-off sale at a competitive rate for shareholders without opening a stockbroking account. Please complete the one-off sale form.

We will send the sale proceeds to you after the two-day settlement period (T+2).

Yes, Bendigo Invest Direct provides access to all the tools to create and execute your options strategies.

International trading FAQs

International trading FAQs

All new and existing BID accounts with a linked cash account have this feature enabled.

Please note: this feature is not available to phone only or margin lending accounts.

Yes, to accommodate international trading we have made some changes to the way you navigate the platform and to some of the platform features:

  • A new drop-down menu in the top right-hand side of the homepage lists available country views. After you select a country, it will show stock information relevant to that market
  • A new ‘Products’ menu replaces the previous ‘Markets’ menu
  • A new intuitive search feature enables you to:
    • filter queries by keywords, code, company name and much more
    • create and save queries for future use
  • The ability to add domestic and international stocks to the same watchlists
  • The ability to view the FX rate and FX buffer from a Buy ticket when you purchase a foreign stock.

Please note: this feature is not available to phone only or margin lending accounts.


Placing an international shares order is much like placing one for domestic shares.

Simply open an order ticket in the usual way, enter the stock code, select either Buy or Sell and fill in the required information as you would for domestic stocks.

For further assistance you can contact our Client Services support team online with live chat.

Our international shares offering gives you access to trade on major exchanges in four different countries, including the USA, Canada, Switzerland and Hong Kong.

No, international shares are available and automatically enabled for all new and existing BID accounts with a linked cash account. Simply log in to the platform and search for an international stock.

The W-8BEN form is a legal document applicable to non-US residents who invest in US shares. It is required by the IRS (Internal Revenue Service) in order to declare your tax status. 

If you do not complete the form, you may be subject to the US Treasury withholding tax on US investments held on your share trading account.

The W-8BEN allows foreign investors to claim special tax treaty benefits, including a reduced rate of withholding tax.

The BID platform offers an integrated online solution provided by Thomson Reuters that enables eligible account holders to complete and lodge a W-8BEN form.

Yes, BID provides four different forms through our online solution.

Depending on your account type and your responses to initial questions, Thomson Reuters will automatically select the appropriate form:

  • W-8BEN – to be completed by individuals.  A separate form is required for each account owner in the case of joint accounts
  • W-8BEN-E – to be completed by a company,  complex trusts (e.g. superfund accounts) where the recipient entity is the beneficial owner of the dividend
  • W-8IMY – to be completed by entities where investment income is received in an intermediary capacity and is subsequently distributed to beneficiaries (e.g. Discretionary trusts)  
  • W-9 – to be completed by US Persons.

All international share orders placed on our stockbroking platform are executed by Morgan Stanley.

International securities are held on behalf by BID appointed sub-custodians detailed in the table below.

Local Jurisdiction Specified Sub-Custodian
USA BNP Paribas, New York
Canada RBC Investor Services, Toronto
Switzerland BNP Paribas Securities Services, Zurich
Hong Kong SAR BNP Paribas Securities Services, Hong Kong

A custody fee is for:

  • Holding your international shares and maintaining a consolidated international portfolio on your behalf; and
  • Issuing distributions that result from mandatory corporate action events for your shares (such as dividends and bonus issues); and
  • Providing statements that reflect these events.

A fee of 0.50% p.a. is applied monthly based on your foreign asset holdings value excluding cash.

The minimum number of shares per order can vary across different markets. If an order is unacceptable to the relevant exchange, you will be notified on the order ticket of the changes you need to make to process the order.

The minimum transfer amount for international shares is AU$10,000.

If you currently hold international shares with another broker, we can transfer those shares to your BID account if the value of the shares are over AU$10,000.

All share certificates will need to be dematerialised (where physical records are replaced with a paperless computerised system) prior to being transferred in.

We cannot accept share certificates.

Buy orders will also incur an additional 2% buffer* from the time of order placement as a protection against currency movements. Any excess buffer will be unlocked on order execution.

This ensures that you will have sufficient funds in your account to cover any foreign exchange fluctuations from the time your order is placed to when it is filled in the market.

Please note: we will only debit the final foreign exchange amount from your account once the order has filled in the market.

*The FX buffer currently applied to international share orders is 2% of the trade value and is subject to change.

Online orders Phone orders
USA/Canada USA/Canada
$29.95 per trade
Up to $5,000

$39.95 per trade
$5,001 - $10,000

0.41% >$10,000 
$52.95 per trade
Up to $5,000 

$62.95 per trade
$5,001 - $10,000

0.41% + $23.00 >$10,000
Other markets Other markets
$69.00 per trade
0.69% >$10,000 
$92.00 per trade
0.41% + $23.00 >$10,000

The exchange rate for international transactions is calculated at the time of execution and is based on the best available bid/offer exchange rates, plus a spread of just 0.60%.

International trading appendix

Country Transaction Tax Stamp Duty Trading fee Clearing Fee GST
USA - - - - -
Hong Kong 0.0027% 0.10% 0.005% - -
Canada - - 0.15% - -
Switzerland - - - - -
Service Fees & Charges (incl. GST)
Electronic transfer (in) $20 per holding
Physical transfer (in) $50 per holding
Transfer (out) $100 per holding
Custody fee 0.50% p.a. minimum $10
Currency conversion Displayed on platform
FX spread Up to 0.60%
FX buffer on buy orders 2% or as displayed on the platform
Account documentation fee (applied to relevant accounts that have not supplied a W-8 or W-9 form) $50
US Markets SEC fee 0.00231% on sell orders
Stamp Duty Displayed on the platform if applicable
Exchange Code Local time at exchange
Hong Kong Stock Exchange HKEX 12.00 - 13.00
Singapore Exchange SGX 12.00 - 13.00
Tokyo Stock Exchange TSE 11.30 - 12.30

Ready to get started?

A BID 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 - 5.30pm Sydney time (excl. public holidays).

Send us an online enquiry or email

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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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