Phone banking provides a straightforward way to manage your finances without needing an internet connection or a smartphone app. This service is available 24/7, allowing you to check account balances, review recent transactions, transfer funds between your linked accounts, and manage bill payments at your convenience.
To get started, you will need to register for an access number and set up a 5-digit PIN. Once configured, you can perform most everyday banking tasks using any touch-tone phone by following the automated voice prompts.
Key Information
| Category | Details |
|---|---|
| Methods | Phone (1300 236 344) |
| Processing Time | Real-time for balances and internal transfers |
| Eligibility | Existing Bendigo Bank customers |
| Key Requirements | Access number, 5-digit PIN, and a touch-tone phone |
How to Use Phone Banking
1. Call 1300 236 344 from anywhere in Australia (or +61 3 5445 0666 from overseas).
2. When prompted, enter your access number followed by your 5-digit PIN.
3. Listen to the automated menu to choose your service:
4. Press 1 for Account Information (balances and transaction history).
5. Press 2 for Funds Transfers (between linked accounts).
6. Press 3 for Bill Payments (BPAY or internal biller lists).
7. Press 4 for Other Services (order statements, request cheque books, or change your PIN).
Troubleshooting Access Issues
MFA or Login Issues
Cause: Your phone banking PIN may have been entered incorrectly multiple times, or the account may be locked for security reasons.
Simple Fix: Ensure you are using the correct 5-digit PIN. If you have forgotten it, you can request a reset.
Fallback: Call 1300 236 344 and press 0 to speak with a banking consultant who can verify your identity and reset your PIN.
Browser or App Errors
Cause: While phone banking operates independently, phone line interference or using a pulse-dial phone can prevent the system from recognizing your inputs.
Simple Fix: Ensure your phone is set to "Tone" mode rather than "Pulse" mode.
Fallback: If the automated system consistently fails to recognize your key presses, try using a different landline or mobile device.
Locked Account or Access Issues
Cause: Unusual activity or prolonged inactivity may result in temporary restricted access to phone banking features.
Simple Fix: Check if your general e-banking access is working, as issues may be linked to your primary profile.
Fallback: Visit your local branch or call 1300 236 344 to have your access status reviewed by a staff member.
Pro-Tip: Before calling, have your "quick reference card" handy. You can print this from the bank's website or request a copy from a branch. It lists the menu shortcuts, which saves time by allowing you to skip straight to the service you need without listening to the full introduction.
Frequently Asked Questions
Q: What should I do if I forget my phone banking PIN?
If you enter an incorrect PIN, the system will eventually lock you out for security. To resolve this, you need to speak with a consultant on 1300 236 344. They will confirm your identity and assist you in selecting a new 5-digit PIN so you can regain access to your accounts.
Q: Can I pay any biller using phone banking?
You can pay bills using BPAY or your personal biller list, provided you have already added the biller to your account. You can add new billers while using the phone banking service by following the prompts in the "Bill Payments" menu. Note that some accounts, such as certain term deposits, are excluded from outbound transfers.
Q: Are there any fees for using phone banking services?
Calling 1300 236 344 is typically charged at the cost of a local call, though mobile rates may vary. Some specific "Other Services" requests, such as ordering duplicate paper statements, may incur a standard bank fee. Always check the current schedule of fees on the Bendigo Bank website before ordering physical documents.
