To protect your e-banking account from unauthorised access, Bendigo Bank requires a security token as part of Multi-Factor Authentication (MFA). In most cases, customers use the free Symantec VIP Access app as a digital e-token, though physical hardware tokens are also an option for those who prefer not to use a smartphone.
This guide outlines how to obtain your token, register it with the bank, and link it to your profile so you can safely use features like transferring funds to new payees.
Key Information
| Category | Details |
|---|---|
| Available Methods | Symantec VIP Access app (e-token) or physical hardware token |
| Processing Time | E-tokens are active upon linking; physical tokens require a branch visit or postage |
| Eligibility | Must be an active Bendigo Bank e-banking customer |
| Key Requirements | Smartphone for e-token, Credential ID, and a call to 1300 236 344 to link |
How to Order a Physical Security Token
1. Call customer support on 1300 236 344 or speak to staff at a local branch.
2. Request a physical security token to use as your multi-factor authentication method.
3. Confirm your postal address for delivery, or arrange to collect the device in person.
4. Keep in mind that a fee may apply for hardware tokens, depending on your specific account setup.
Troubleshooting Token Issues
MFA or Login Failure
Cause: The 6-digit codes refresh frequently. Entering an older code will cause the login attempt to fail.
Simple Fix: Wait for your app or physical token to display a fresh code, then type it in straight away.
Fallback: Call 1300 236 344 to check if your token is properly synced with the banking system.
Browser or App Errors
Cause: Running an outdated version of the Bendigo Bank app can interrupt background token automation.
Simple Fix: Update your device to the current app version (iOS 4.6.41+ or Android 4.7.46+) and clear your cache.
Fallback: Re-register your device in the app under the "Manage Devices" menu or reach out to support.
Locked Account or Credential ID Changes
Cause: Deleting the Symantec VIP Access app or switching phones generates a completely new Credential ID, which breaks your existing link.
Simple Fix: Re-download the app, find your new Credential ID, and prepare to update your banking profile.
Fallback: You'll usually need to call the bank to remove the old token and manually link the new one before access is restored.
Pro-Tip: If you use the Bendigo Bank mobile app on a trusted smartphone, you can automate your token. By navigating to Settings > Multi-factor authentication > Automate my
