Bendigo and Adelaide Bank

Bendigo and Adelaide Bank, personal and business banking in Australia

Bendigo and Adelaide Bank Limited is an Australian banking institution that operates under the trading name Bendigo Bank. Its offering spans personal banking, business banking and community banking, with products ranging from transaction and savings accounts to home loans, credit cards, insurance, investing and financial advice. The institution presents itself as a large bank that reinvests profits in Australian communities.

Personal banking products and services

The personal banking range includes transaction accounts, savings accounts and term deposits, as well as personal loans. In the home lending area it offers home loans, a repayment calculator, online refinancing and home loan rates. It also provides low rate credit cards, debit cards and benefits and rewards programs. Insurance, investment products and financial advice services complete the offering.

The institution highlights its Everyday Account, which features a $0 monthly fee, 24/7 fraud monitoring and easy access to your money. The site indicated that, following the Reserve Bank of Australia's decision to increase the cash rate, the institution was increasing its home loan interest rates.

Business and agricultural banking

For businesses and the agricultural sector, the bank offers business accounts, business loans and equipment finance. Its business customer solutions include agricultural insights, payments and merchant services, and financial markets services.

Community banking and support programs

Community activity includes Community Banking, a local banking model, along with grants, scholarships and the miVoice service. The institution states that it invests profits back into Australian communities and presents itself as a big bank in terms of products and security, but with a customer-focused approach.

Security, accessibility and service channels

The bank emphasises its daily work to protect customers' money and personal information, and offers resources for banking safely online. It warns of a wave of phishing scams and reminds customers that it will never ask for their PIN, password, or access to their device or internet banking. Customers can manage their banking online, over the phone, via the mobile app or in person at a branch. The institution also states its commitment to accessibility and inclusion, and acknowledges the Traditional Owners and Custodians of the land where it operates.

Corporate profile

Bendigo and Adelaide Bank Limited operates under Australian Business Number ABN 11 068 049 178 and holds Australian Credit Licence AFSL 237879. The institution describes itself as a top 100 ASX-listed company and states that it serves millions of customers. Its BSB is 633-000.