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READY TO REFINANCE OR BUY?

Apply online in minutes for our Express Home Loan. With our lowest variable
interest rate7 of 5.47% p.a. and a Comparison rate1 of 5.62% p.a. New home loans
only.

Apply nowLearn more



REWARD SAVER

Turbo charge your savings up to 5.25% p.a.**

Get started



TERM DEPOSITS

Planning a short or longer-term investment?
Bendigo Bank's term deposits may be just what you or your business need to get
the most from your money.

Learn more



READY TO REFINANCE OR BUY?

Apply online in minutes for our Express Home Loan. With our lowest variable
interest rate7 of 5.47% p.a. and a Comparison rate1 of 5.62% p.a. New home loans
only.

Apply nowLearn more



REWARD SAVER

Turbo charge your savings up to 5.25% p.a.**

Get started



TERM DEPOSITS

Planning a short or longer-term investment?
Bendigo Bank's term deposits may be just what you or your business need to get
the most from your money.

Learn more



READY TO REFINANCE OR BUY?

Apply online in minutes for our Express Home Loan. With our lowest variable
interest rate7 of 5.47% p.a. and a Comparison rate1 of 5.62% p.a. New home loans
only.

Apply nowLearn more

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Australia's most trusted bank^
One of Australia's biggest banks
A top 100 ASX listed Company

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   Calculators & tools


PRODUCTS


VIEW OUR RANGE OF PRODUCTS

LOANS

 * Home Loans
 * Pre-qualify for a home loan
 * Government home loan support
 * Personal Loans

ACCOUNTS

 * Savings Accounts
 * Transaction Accounts
 * Term Deposits

CREDIT CARDS

 * Bendigo Bright®
 * Bendigo Ready
 * Qantas Platinum
 * Platinum Rewards

INVESTING AND SUPERANNUATION

 * Investing
 * Share trading
 * Superannuation and retirement

BUSINESS

 * All business products
 * Talk to a business specialist

 

INSURANCE

 * Personal Insurance

View all products and services

INTEREST RATES


VIEW OUR RANGE OF INTEREST RATES

COMPLETE HOME LOAN - FIXED

Home Loan
Get the flexibility you want, with the features and benefits you need.
Owner occupied
Principal & Interest
2 year fixed interest rate3
6.29%p.a.
Comparison rate1
6.47%p.a.
Learn more View all interest rates

BENDIGO READY CREDIT CARD

Credit card
Enjoy $0 annual fee with platinum travel perks.
Purchase interest rate#
19.99%p.a.
Annual fee
$0
Interest free period
Up to 55 days4
Learn more View all interest rates

SECURED PERSONAL LOAN

Personal Loan
Perfect for that new or used car you're after, or to refinance an existing car
loan.
Interest rate
7.79%p.a.
Comparison rate*
8.51%p.a.
Learn more View all interest rates

SPECIAL OFFER

Term Deposit
Bendigo Bank's range of term deposits offer great rates so you can watch your
money grow.
Interest rate
4.75%p.a.
Minimum deposit
$5,000
Interest payment frequency
On maturity
Minimum term
12 month term
Learn more View all interest rates

CALCULATORS & TOOLS


MOST POPULAR TOOLS & CALCULATORS

Pre-qualify for a home loan
Check your borrowing power
Foreign exchange calculator
Personal loan repayment calculator
Manage your repayments
View all calculators

STAY ALERT AND STAY SAFE - ONLINE SECURITY AND SCAM PROTECTION

We're committed to keeping your accounts safe and secure. Our Security section
has information about the latest scams and how to protect yourself.

Learn more about online security

TRYING BENDIGO BANK IS EASIER THAN EVER

If your bank isn't doing the right thing by you, change to one you can feel
better about. The better big bank.

Switch now

SPEAK TO A BUSINESS SPECIALIST

We have local specialists who are dedicated to helping you and your business.

Find a Business Specialist

SMARTSTART SUPER

Low cost and simple, Bendigo SmartStart Super is designed to help you retire
with more.

Learn more

BANK ANYWHERE, ANYTIME

Easy to use, Bendigo e-banking is available 24/7. Register by visiting one of
our branches or calling 1300 236 344.

Ways to bank

FLOOD APPEAL

Your donations will help those affected by the recent heavy rain that has
inundated many areas in Victoria and New South Wales. With more on the horizon,
the need to assist is vital.

Donate today

ABOUT US




BE PART OF THE BENDIGO BANK COMMUNITY

Everyday our customers help change and save lives, simply by banking with us.

Learn more


CAN WE HELP YOU?


Make an online enquiry

Call 1300 236 344

Locate a branch

Find a mobile lender


HELP & SUPPORT TOPICS

e-banking help
Financial difficulty assistance
Lost or stolen cards
Financial abuse
Deceased estates
COVID-19 support
View all support topics


THINGS YOU SHOULD KNOW



** All information is correct as of 16 June 2023, information including rate is
subject to change.

^ Roy Morgan Quarterly Update February 2023

1 Important information about comparison rate: The comparison rate displayed is
calculated for a loan of $150,000 over 25 years. If the comparison rate relates
to a loan with a fixed interest rate, the comparison rate has been calculated on
the basis that our current applicable variable rate will apply at the end of the
fixed rate period. WARNING: The comparison rate is true only for the example
given and may not include all fees and charges. Different terms, fees or other
loan amounts might result in a different comparison rate. 

For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable
with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the
fixed rate period. 

3 Bendigo Complete Home Loan 2 Year, 3 Year and 4 Year Fixed: Available to
customers with owner occupied, principal and interest home loans.

7 Bendigo Express Home Loan: The interest rate displayed is for a live-in (owner
occupied), principal and interest loan and is based on a maximum Loan to Value
Ratio (LVR) of 90%. 

*Important information about comparison rate: The comparison rates displayed are
calculated for secured personal loans with a loan amount of $30,000 and a term
of 5 years, for unsecured personal loans the loan amount is $10,000 with a term
of 3 years.

WARNING: This comparison rate is true only for the examples given and may not
include all fees and charges. Different terms, fees or other loan amounts might
result in a different comparison rate.

4Up to 55 days interest free
The up to 55-day interest-free period consists of your 30-day statement cycle,
plus the 25 days to the payment due date. The number of interest-free days will
vary for each transaction, depending on which day in the 30-day statement cycle
the purchase is made.
#Bendigo Ready Credit Card offer

Offer commences 30 November 2022 and may be varied or withdrawn at any time. The
19.99% p.a. purchase rate for up to 18 months from account opening is for
approved applicants who apply for a new Bendigo Ready Credit Card before the
offer is varied or withdrawn.

Offer is only available on the Bendigo Ready Credit Card. Offer not available in
conjunction with any other Bendigo Bank offer. One account per customer. Offer
is not available when closing or transferring from another Bendigo Bank credit
card account or if you have held a Bendigo Bank credit card product in the last
12 months. Minimum monthly repayments must be made as per your monthly statement
and the account not otherwise be in default.

19.99% p.a. Purchase rate

No interest will be charged on purchases for the first 18 months from account
opening. After a period of 18 months from account opening, the remaining
purchase balance will revert to purchase interest rate. Offer does not apply to
cash advances.

The purchase interest rate of the Bendigo Ready Credit Card is currently 19.99%
p.a. The cash advance rate of the Bendigo Ready Credit Card is currently 19.99%
p.a.

Terms and conditions, fees and charges apply. All information including interest
rate is subject to change without notice. Full details available on application.
Lending criteria apply.

Bendigo Bright® is a registered trade mark owned by Bendigo and Adelaide Bank
Limited.
Mastercard is a registered trademark of Mastercard International Incorporated.

QUICK LINKS

 * Contact us
 * Locate a branch, ATM or Agency
 * Switch your banking to us
 * View all products and services
 * View all tools and calculators
 * View our rates

BANKING WITH US

 * Personal banking
 * Business banking
 * Ways to bank
 * Internet banking
 * Electronic ID

ABOUT US

 * About Bendigo Bank
 * Community
 * Media centre
 * Investors
 * ESG
 * Accessibility and inclusion
 * Careers

HELP & SUPPORT

 * Financial abuse
 * Deceased estates
 * Regular payments
 * Financial difficulty assistance
 * COVID-19 support

CONNECT WITH US

 * Terms of use
 * Important information
 * Privacy
 * Security
 * Target Market Determinations



Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander
peoples as the First Peoples of this nation and the Traditional Custodians of
the land where we live, learn and work. We pay our respects to Elders past and
present as it is their knowledge and experience that holds the key to the
success of future generations.

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.

© Copyright 2023 Bendigo and Adelaide Bank