Delivering better customer outcomes
We are required to make Target Market Determinations available under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act (Cth) 2019.
This is to ensure that the right products end up in the hands of the right customer by focusing on our customers in the design and distribution of our financial products.
What is a Target Market Determination (TMD)?
A TMD is a document which describes:
- the persons for which the product has been designed,
- the conditions around the product’s distribution,
- when this TMD will be reviewed, and
- record keeping and reporting obligations of distributors.
Please note a TMD is not intended to provide financial advice. When making a decision about a product always make sure you refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.
This page includes the Target Market Determinations for financial products issued and/or distributed by Bendigo Bank.
Products for personal customers
-
Bendigo Flex Home Loanpdf, 141 KB
-
Bendigo Easy Home Loanpdf, 140 KB
-
Bendigo Complete Home Loanpdf, 134 KB
-
Bendigo Express Home Loanpdf, 133 KB
-
Bendigo Non-Individual Residential Investment Home Loanpdf, 143 KB
-
Scheme Home Loan - Bendigo Complete Home Loanpdf, 209 KB
-
Bridging Home Loan - variable ratepdf, 156 KB
Products are issued by our insurance provider, Insurance Australia Limited, under the CGU brand. The links for each of the insurance TMD’s will open a PDF document on the Insurance Australia Limited website.
Products are issued by Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.
-
Sandhurst Cash Management Trustpdf, 202 KB
-
Instructions and Key Definitionspdf, 180 KB
-
Sandhurst Cash Common Fundpdf, 192 KB
-
Sandhurst IML Industrial Share Fundpdf, 197 KB
-
Sandhurst Industrial Share Fundpdf, 170 KB
-
Sandhurst Investment Term Fundpdf, 193 KB
-
Sandhurst Select 90 Fundpdf, 167 KB
-
Sandhurst Strategic Income Fundpdf, 168 KB
Travel insurance is issued by Zurich Australian Insurance Limited (ZAIL) and Cover-More Insurance Services Pty Ltd (Cover-More) acts under a binder authority from ZAIL to administer and arrange the insurance on behalf of ZAIL. Travel Insurance is distributed by CGU, under an agreement with Cover-More. Bendigo and Adelaide Bank distributes the product under a contract with CGU. The link for the travel insurance TMD will open a PDF document on the Cover-More website.
Products for business customers
-
Foreign Exchange Call Optionspdf, 209 KB
-
Foreign Exchange Collar Optionspdf, 204 KB
-
Foreign Exchange Forwardspdf, 186 KB
-
Foreign Exchange PUT optionspdf, 208 KB
-
Foreign Exchange Savings Accountpdf, 196 KB
-
Foreign Exchange Spotpdf, 203 KB
-
Foreign Exchange Swapspdf, 228 KB
-
Foreign Exchange Term Depositpdf, 225 KB
Products are issued by Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.
