Bendigo Bank
Every product Bendigo Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 5 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Adelaide Bank, AFG Home Loans Alpha, Aussie Elevate, Connective Select, NRMA Home Loans, Qantas Money Basic/Offset Home Loans, Rural Bank, Tiimely Home and Up under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 237879, held by Bendigo and Adelaide Bank Limited; credit licence since 6 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
50 products in 9 categories
Bendigo Bank's rates today
Bendigo Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Bendigo Bank sits among every institution's best
| Rate | Bendigo Bank | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.14%Bendigo Express Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59%Bendigo Easy Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.00%Bendigo Reward Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.20%Fixed Rate Farm Management Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 9.54%Bendigo Secured Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 11.99%Bendigo Bright Credit Card | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 1.50%Bendigo Business EasySaver | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 13.99%Business Credit Card | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
Bendigo Bank home loan repayments
Repayments at Bendigo Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableBendigo Express Home Loan6.14%6.29% comparison$3,651a month
$714,535 in interest, $1,314,535 repaid in all
- 1-year fixedBendigo Express Home Loan6.49%6.33% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
- 2-year fixedBendigo Express Home Loan6.49%6.36% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
- 3-year fixedBendigo Express Home Loan6.59%6.42% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
- 5-year fixedBendigo Express Home Loan6.69%6.53% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
- Investor variableBendigo Express Home Loan6.34%6.49% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Bendigo Bank's own calculator: confirm the rate with Bendigo Bank before you apply.
Bendigo Bank home loan rates
Compare across banks9 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.14%, with a comparison rate of 6.29%, on its Bendigo Express Home Loan: 9th lowest of 104 lenders, level with 5 others.
- Bendigo Bridging Home Loan
- Max LVR
- 80%
- Annual fee
- $120
- Features
- offset, extra repayments
- Bendigo Complete Home Loan
- Variable (owner occ. P&I)
- 6.39%, 6.61% comparison
- Variable (investor P&I)
- 6.74%
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- Bendigo Easy Home Loan
- Variable (owner occ. P&I)
- 6.34%, 6.36% comparison
- Variable (investor P&I)
- 6.39%
- Fixed
- 1 yr 6.49%, 2 yrs 6.49%, 3 yrs 6.59%, 4 yrs 6.69%, 5 yrs 6.69%
- Bendigo Express Home Loan
- Variable (owner occ. P&I)
- 6.14%, 6.29% comparison
- Variable (investor P&I)
- 6.34%
- Fixed
- 1 yr 6.49%, 2 yrs 6.49%, 3 yrs 6.59%, 4 yrs 6.69%, 5 yrs 6.69%
- Bendigo Flex Home Loan
- Variable (owner occ. P&I)
- 6.39%, 6.57% comparison
- Variable (investor P&I)
- 6.44%
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- Bendigo Flex Home Loan (Retail)
- Variable (owner occ. P&I)
- 6.39%, 6.59% comparison
- Variable (investor P&I)
- 6.44%
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- First Home Buyers (Bendigo Complete Home Loan)
- Variable (owner occ. P&I)
- 6.43%, 6.65% comparison
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- Max LVR
- 95%
- Non-Individual Residential Investment Loan (NIRIL)
- Variable (investor P&I)
- 6.83%
- Max LVR
- 80%
- Annual fee
- $240
- Single Parents (Bendigo Complete Home Loan)
- Variable (owner occ. P&I)
- 6.43%, 6.65% comparison
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- Max LVR
- 98%
Bendigo Bank savings and transaction account rates
Compare across banks13 products
Its highest savings rate is up to 5.00% (0.10% base plus a 4.90% bonus when its conditions are met), on its Bendigo Reward Saver: 33rd highest of 84 institutions, level with one other.
- Bendigo Business Basic Account
- Base rate
- 0.00%
- Bendigo Business EasySaver
- Base rate
- 1.50%
- Bendigo Business Everyday Account
- Base rate
- 0.00%
- Monthly fee
- $15
- Bendigo Cash Management Account (CMA)
- Base rate
- 1.00%
- Bendigo Concession Account
- Base rate
- 0.00%
- Monthly fee
- $0
- Bendigo Easy Retirement Account
- Base rate
- 0.35%
- Monthly fee
- $0
- Bendigo EasySaver
- Base rate
- 3.80%
- Bendigo Everyday Account
- Base rate
- 0.00%
- Monthly fee
- $0
- Bendigo PiggySaver
- Base rate
- 3.80%
- Bendigo Reward Saver
- Base rate
- 0.10%
- Bonus rate
- 4.90%
- Up to
- 5.00%
- Bendigo Student Account
- Base rate
- 0.00%
- Monthly fee
- $0
- Foreign Currency At Call Deposit Account
- Base rate
- 0.00%
- Variable Rate Farm Management Account
- Base rate
- 0.00%
Bendigo Bank term deposit rates
Compare across banks5 products
Its highest 12-month term deposit rate is 5.20%, on its Fixed Rate Farm Management Deposit: 47th highest of 65 institutions, level with 5 others.
| Rate | Bendigo Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 3.70%Fixed Rate Farm Management Deposit | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 4.70%Standard Term Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.20%Fixed Rate Farm Management Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 4.70%Fixed Rate Farm Management Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 3.00%Standard Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
| 5-year term depositBest rate for 5 years | 3.00%Standard Term Deposit | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions |
- Bendigo Cash Solutions Term DepositPriced on application
- Pricing
- Rates on application
- Best rate
- 3.85% for 24m
- 12 months
- 3.50%
- Fixed Rate Farm Management Deposit
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $5,000
- Foreign Currency Term Deposit AccountPriced on application
- Pricing
- Rates on application
- Min deposit
- $10,000
- Gold Term Deposit
- Best rate
- 0.05% for 12m
- 12 months
- 0.05%
- Min deposit
- $1
- Standard Term Deposit
- Best rate
- 4.90% for 12m
- 12 months
- 4.90%
- Min deposit
- $1
Bendigo Bank credit card rates
Compare across banks6 products
Its lowest credit card purchase rate is 11.99%, on its Bendigo Bright Credit Card: 17th lowest of 51 card issuers, level with 5 others.
- Bendigo Bright Credit Card
- Purchase rate
- 11.99%
- Cash advance
- 19.99%
- Interest-free days
- 55
- Bendigo Ready Credit Card
- Purchase rate
- 19.99%
- Cash advance
- 19.99%
- Interest-free days
- 55
- Business Credit Card
- Purchase rate
- 13.99%
- Cash advance
- 13.99%
- Interest-free days
- 44
- Platinum Rewards Credit Card
- Purchase rate
- 19.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
- Qantas Business Credit Card
- Purchase rate
- 19.99%
- Cash advance
- 21.99%
- Annual fee
- $89
- Qantas Platinum Credit Card
- Purchase rate
- 19.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
Bendigo Bank personal loan rates
Compare across banks6 products
Its lowest advertised personal loan rate is 9.54% fixed, with a comparison rate of 10.26%, on its Bendigo Secured Personal Loan: 64th lowest of 69 lenders.
- Bendigo Green Unsecured Personal Loan
- Fixed
- 8.24%, 9.27% comparison
- Loan size
- $2,000 to no maximum
- Upfront fee
- $150
- Bendigo Secured Green Personal Loan
- Fixed
- 6.24%, 6.61% comparison
- Loan size
- $2,000 to no maximum
- Upfront fee
- $150
- Bendigo Secured Personal Loan
- Fixed
- 9.54%, 10.26% comparison
- Loan size
- $2,000 to no maximum
- Upfront fee
- $150
- Bendigo Secured Student Personal Loan
- Fixed
- 9.54%, 9.70% comparison
- Loan size
- $2,000 to no maximum
- Upfront fee
- $0
- Bendigo Unsecured Personal Loan
- Fixed
- 14.54%, 16.64% comparison
- Loan size
- $2,000 to no maximum
- Upfront fee
- $150
- Bendigo Unsecured Student Personal Loan
- Fixed
- 11.74%, 11.74% comparison
- Loan size
- $2,000 to no maximum
- Upfront fee
- $0
Bendigo Bank business loan rates
Compare across banks5 products
- Bank Guarantee
- Pricing
- Rates on application
- Loan size
- $1,000 to no maximum
- Upfront fee
- $200
- Bendigo Business LoanPriced on application
- Pricing
- Rates on application
- Loan size
- $10,000 to $15,000,000
- Bendigo Market Rate LoanPriced on application
- Pricing
- Rates on application
- Loan size
- $200,000 to no maximum
- Commercial LoanPriced on application
- Pricing
- Rates on application
- Fixed
- 6.85%
- Loan size
- $100,000 to $20,000,000
- Equipment LoanPriced on application
- Pricing
- Rates on application
- Loan size
- $10,000 to no maximum
Bendigo Bank lease rates
Compare across banks1 product
Bendigo Bank overdraft rates
Compare across banks1 product
Bendigo Bank trust accounts
Compare across banks4 products
Has Bendigo Bank passed on the RBA's November 2026 rate rise?
Bendigo Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Mon 19 Oct
Bendigo Bank lifted 6 savings rates by 0.20 to 0.25 percentage points.
0.20 to 0.25- Bendigo Easy Retirement Account (3 rates)
- Bendigo Business EasySaver (1 rate)
- Bendigo EasySaver (1 rate)
- Bendigo PiggySaver (1 rate)
Fri 16 Oct
Bendigo Bank lifted 3 term deposit rates by 1.70 percentage points.
1.70Bendigo Bank cut 1 term deposit rate by 0.90 percentage points.
0.90
Wed 7 Oct
Bendigo Bank lifted 58 variable home loan rates by 0.25 percentage points.
0.25- Bendigo Flex Home Loan (Retail) (14 rates)
- Bendigo Express Home Loan (1 rate)
- First Home Buyers (Bendigo Complete Home Loan) (2 rates)
- Bendigo Easy Home Loan (9 rates)
- Single Parents (Bendigo Complete Home Loan) (2 rates)
- Bendigo Flex Home Loan (14 rates)
- Non-Individual Residential Investment Loan (NIRIL) (2 rates)
- Bendigo Bridging Home Loan (2 rates)
- Bendigo Complete Home Loan (12 rates)
Mon 5 Oct
Bendigo Bank lifted 155 fixed home loan rates by 0.05 to 0.25 percentage points.
0.05 to 0.25- Bendigo Flex Home Loan (Retail) (45 rates)
- Bendigo Express Home Loan (5 rates)
- First Home Buyers (Bendigo Complete Home Loan) (5 rates)
- Bendigo Easy Home Loan (20 rates)
- Single Parents (Bendigo Complete Home Loan) (5 rates)
- Bendigo Flex Home Loan (45 rates)
- Non-Individual Residential Investment Loan (NIRIL) (10 rates)
- Bendigo Complete Home Loan (20 rates)
Fri 25 Sep
Bendigo Bank cut 4 term deposit rates by 0.10 percentage points.
0.10
Published by Bendigo Bank under the Consumer Data Right, last changed by them on 5 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.