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Frequently asked questions and answers for Bendigo and Adelaide Bank

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Fact-checked by Olesya Krasavtseva

Content Editor at Prostobank Consulting

Updated: 01.09.2026

Table of Contents

Official Bank Information

Bendigo Bank

Support: 1 300 361 911

SWIFT Code: BENDAU3B

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Bank's Services and Products

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Personal Banking

Personal credit cards

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Must be 18 years of age or olderMust be an Australian citizen, permanent resident, or holder of eligible visa subclasses (188, 489, 491, 494, 482) with at least 12 months remainingMust receive a regular, verifiable income (PAYG, selfemployed, or superannuation)Must not be currently bankrupt or insolventIncludes up to 55 days interestfree on purchase transactionsIncludes complimentary international travel insurance for up to 3 consecutive months (for individuals under 81 years)Includes 90day purchase protection and extended warranty on covered purchases

Personal savings accounts

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Must be an Australian citizen or resident to applyNew customers signing up via the app require an Australian Driver's licence or Australian Passport for identity verificationEarns a straightforward ongoing variable base interest rate of 3.55% p.a. regardless of savings balance or transaction volumeInterest is calculated daily and paid monthlyJoint or business accounts cannot be opened via the mobile application and require visiting a physical branch

Personal transaction accounts

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Must be an Australian citizen or resident aged 55 years or aboveStrictly restricted to retirees, selffunded retirees, or recipients of a Centrelink aged pension or Department of Veterans Affairs (DVA) administered pensionNot available for business account structures (joint accounts must be opened inbranch)New customers applying via the app require an Australian Driver's licence or Australian Passport for identity verificationEarns a stepped interest rate calculated daily and paid monthly based on balance tiers: 0.35% p.a. on $0$9,999.99; 1.70% p.a. on $10,000$49,999.99; 2.20% p.a. on $50,000$249,999.99; and 2.50% p.a. on balances of $250,000 and aboveIncludes a Debit Mastercard with 24/7 fraud monitoring and robust security features

Loans & Mortgages

Personal Car loans

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Requires physical security (new or used car, or refinancing an existing car loan)Loan terms must be between 1 and 7 years (365 to 2555 days)Fixed interest rate of 9.54% p.a. with a comparison rate of 10.26% p.a.Offers flexible repayment options on a weekly, fortnightly, or monthly scheduleIncludes a free online redraw facility with unlimited extra repayments

Personal loans

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Loan must be used for eligible green purposes such as solar power systems, grey water treatment systems, or electric vehicle charging stationsMinimum loan amount is $2000Loan terms must range between 1 and 7 years (365 to 2555 days)Fixed interest rate of 8.24% p.a. with a comparison rate of 9.27% p.a.No security or physical collateral is required to secure the loanOffers flexible repayment options on a weekly, fortnightly, or monthly scheduleIncludes an online redraw facility with unlimited additional repayments

Business Solutions

Business accounts

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Designed for businesses with low transaction frequencyRequires registration for ebanking or phone banking services for digital transfersAllows linking an optional overdraft facility subject to approvalIntegrates with accounting software including MYOB and XeroProvides eligibility for Mastercard Easy Savings Specials partner discounts

Business credit cards

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Offers up to 44 days interest free on purchasesProvides flexible liability options: Company liability (for company structures), Individual liability (for sole traders or employees), and Joint and several liability (for partnerships)Allows individual spending limits to be set for each cardholderFeatures 24/7 fraud monitoring and zero liability for unauthorised transactionsSupports transaction uploads to accounting software such as MYOBIncludes access to business offers through Mastercard Easy Saver Specials

Business savings

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Applicants must be over the age of 18 and an Australian citizen or residentRequires a valid identity document such as an Australian Driver's licence, Medicare card, or PassportMinimum investment amount is $1000, while the special rate table applies to balances up to $5,000,000Investment terms range from 1 month (30 days) up to 60 months (2190 days)Interest payment frequency options include at maturity, monthly, quarterly, halfyearly, or yearly depending on the selected termDeposits are protected under the Financial Claims Scheme guarantee provisionsJoint or business accounts cannot be completed via the app and require visiting a physical branch

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