The Finance Algorithm
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Bendigo Cash Management Account (CMA)

An interest earning at-call deposit account which is sold to new or existing customers via a custodian or advisor. Account access is available via Debit Mastercard or online banking.

Savings & transaction accountsBank updated 31 Aug 2026

At a glance

Base rate
1.00%

How it compares

This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This account: 1.00%Every other institution's highest, 60 in all

Paid whatever you deposit or spend. One dot per institution, at its highest savings rate with no bonus conditions anyone can apply for; hover or tap a dot for its name.

RateThis accountBest anywhereTypical institutionWhere it sits
No bonus conditionsPaid whatever you deposit or spend1.00%4.80%MoveBank's Online Saver2.25%of 61 institutions44th highest of 61, level with one other

Rates

The one rate Bendigo Bank publishes for this account.

TypeApplies toTermBandRateComparisonConditions
Variablen/a---1.00%-paid every 1 mo

Fees

12 fees published, grouped by when they're charged.

When you make a transaction7

  • Bank@Post Deposit

    When you make a deposit at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card where this facility is available

    $2.50
  • Inward telegraphic transfer in a foreign currency

    Acceptance of payments in a foreign currency for swift transfer to a Bendigo Bank account

    $10
  • Inward telegraphic transfer in AUD currency

    Acceptance of payment in AUD currency for swift transfer to a Bendigo Bank account

    $2
  • Outward telegraphic transfer

    When you request the transfer of funds to a non-Bendigo Bank account. This includes: International Telegraphic Transfers – funds sent from your Bendigo Bank account to overseas destinations worldwide…

    $30
  • Transfer (in branch)

    When you make an ‘over-the-counter’ request at a Bendigo Bank branch to transfer funds from one Bendigo Bank account to another Bendigo Bank account (including scheduled in branch transfers where you…

    $2.50
  • Bank@Post Withdrawal

    When you make a withdrawal at a Bank@Post terminal in an Australia Post Office using a Bendigo Bank card where this facility is available.

    $2.50
  • Cash Withdrawal (in branch)

    When you make a cash withdrawal from your Bendigo Bank account ‘over- the-counter’ at a Bendigo Bank branch.

    $2.50

If a payment is late or fails1

  • Direct Debit Dishonour Fee

    Applies when a direct debit from your account is dishonoured due to insufficient funds.

    $10

When particular things happen4

  • Bank Cheque Fee

    Is payable for each Bank Cheque drawn.

    $10
  • Bank Cheque Replacement

    When a Bank Cheque has been lost, destroyed or stolen and you request us to provide you with a replacement Bank Cheque.

    $30
  • Bank cheque stop payment

    When you request us to stop payment on a bank cheque and to purchase it back (allowed only in limited circumstances)

    $20
  • Bill Payment Transaction Recall/Trace Fee

    When you request us to trace or recall a bill payment you have made through the BPAY scheme.

    $20

Features

Digital banking

Eligibility and limits

  • Minimum balance $1,000

Published by Bendigo Bank under the Consumer Data Right, last changed by them on 31 Aug 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.