Standard Term Deposit

Bendigo Bank’s range of term deposits offer great rates so you can watch your money grow. At maturity, reinvest, add extra or withdraw all/part of your investment from any Bendigo Branch.

Term depositsBank updated 16 Oct 2026

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At a glance

Best rate: 4.90% for 12m
12 months: 4.90%
Min deposit: $1

How it compares

This term deposit 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.

Typical 4.60%

1%1.5%2%2.5%3%3.5%4%4.5%5%

This term deposit: 2.75%Every other institution's highest, 54 in all

Best rate for 3 months. One dot per institution, at its highest 3-month term deposit rate anyone can apply for; hover or tap a dot for its name.

Rate	This term deposit	Best anywhere	Typical institution	Where it sits
3-month term depositBest rate for 3 months	2.75%	5.30%Heartland Bank's Broker Term Deposit	4.60%of 55 institutions	54th highest of 55
6-month term depositBest rate for 6 months	4.70%	5.47%Heartland Bank's Broker Term Deposit	5.10%of 63 institutions	49th highest of 63
12-month term depositBest rate for 12 months	4.90%	5.75%Suncorp Bank's Term Deposit	5.30%of 65 institutions	60th highest of 65, level with one other
2-year term depositBest rate for 2 years	4.50%	5.60%Judo Bank's Personal Term Deposits	4.90%of 55 institutions	39th highest of 55
3-year term depositBest rate for 3 years	3.00%	5.60%Judo Bank's Personal Term Deposits	4.25%of 44 institutions	42nd highest of 44
5-year term depositBest rate for 5 years	3.00%	5.65%Judo Bank's Personal Term Deposits	4.00%of 27 institutions	25th highest of 27

Rates

Every rate Bendigo Bank publishes for this term deposit, 70 in all.

Its best rate at each term

1 mo1.20%
2 mo1.45%
3 motypical 4.60%2.75%
4 mo3.60%
5 mo2.90%
6 motypical 5.10%4.70%
7 mo3.15%
8 mo3.50%
9 mo3.20%
10 mo3.25%
11 mo3.30%
1 yrtypical 5.30%4.90%
15 mo3.00%
2 yrstypical 4.90%4.50%
3 yrstypical 4.25%3.00%
4 yrs3.00%
5 yrstypical 4.00%3.00%

This term depositTypical institution's best for the term

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	-	1 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	1 mo	$5,000–$5,000,000	1.20%	-	paid at maturity
Fixed	-	10 mo	up to $5,000	0.10%	-	paid at maturity
Fixed	-	10 mo	$5,000–$5,000,000	3.25%	-	paid at maturity
Fixed	-	11 mo	up to $5,000	0.10%	-	paid at maturity
Fixed	-	11 mo	$5,000–$5,000,000	3.30%	-	paid at maturity
Fixed	-	1 yr	up to $5,000	0.15%	-	paid at maturity
Fixed	-	1 yr	up to $5,000	0.15%	-	paid every 1 mo
Fixed	-	1 yr	up to $5,000	0.15%	-	paid every 3 mo
Fixed	-	1 yr	up to $5,000	0.15%	-	paid every 6 mo
Fixed	-	1 yr	$5,000–$5,000,000	4.90%	-	paid at maturity
Fixed	-	1 yr	$5,000–$5,000,000	4.85%	-	paid every 1 mo
Fixed	-	1 yr	$5,000–$5,000,000	4.85%	-	paid every 3 mo
Fixed	-	1 yr	$5,000–$5,000,000	4.85%	-	paid every 6 mo
Fixed	-	15 mo	up to $5,000	0.15%	-	paid every 3 mo
Fixed	-	15 mo	$5,000–$5,000,000	3.00%	-	paid every 3 mo
Fixed	-	2 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	2 mo	$5,000–$5,000,000	1.45%	-	paid at maturity
Fixed	-	2 yrs	up to $5,000	0.15%	-	paid at maturity
Fixed	-	2 yrs	up to $5,000	0.15%	-	paid every 1 mo
Fixed	-	2 yrs	up to $5,000	0.15%	-	paid every 1 yr
Fixed	-	2 yrs	up to $5,000	0.15%	-	paid every 3 mo
Fixed	-	2 yrs	up to $5,000	0.15%	-	paid every 6 mo
Fixed	-	2 yrs	$5,000–$5,000,000	4.50%	-	paid at maturity
Fixed	-	2 yrs	$5,000–$5,000,000	4.40%	-	paid every 1 mo
Fixed	-	2 yrs	$5,000–$5,000,000	4.45%	-	paid every 1 yr
Fixed	-	2 yrs	$5,000–$5,000,000	4.40%	-	paid every 3 mo
Fixed	-	2 yrs	$5,000–$5,000,000	4.40%	-	paid every 6 mo
Fixed	-	3 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	3 mo	$5,000–$5,000,000	2.75%	-	paid at maturity
Fixed	-	3 yrs	up to $5,000	0.15%	-	paid every 1 mo
Fixed	-	3 yrs	up to $5,000	0.15%	-	paid every 1 yr
Fixed	-	3 yrs	up to $5,000	0.15%	-	paid every 3 mo
Fixed	-	3 yrs	up to $5,000	0.15%	-	paid every 6 mo
Fixed	-	3 yrs	$5,000–$5,000,000	2.95%	-	paid every 1 mo
Fixed	-	3 yrs	$5,000–$5,000,000	3.00%	-	paid every 1 yr
Fixed	-	3 yrs	$5,000–$5,000,000	2.95%	-	paid every 3 mo
Fixed	-	3 yrs	$5,000–$5,000,000	2.95%	-	paid every 6 mo
Fixed	-	4 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	4 mo	$5,000–$5,000,000	3.60%	-	paid at maturity
Fixed	-	4 yrs	up to $5,000	0.15%	-	paid every 1 mo
Fixed	-	4 yrs	up to $5,000	0.15%	-	paid every 1 yr
Fixed	-	4 yrs	up to $5,000	0.15%	-	paid every 3 mo
Fixed	-	4 yrs	up to $5,000	0.15%	-	paid every 6 mo
Fixed	-	4 yrs	$5,000–$5,000,000	2.95%	-	paid every 1 mo
Fixed	-	4 yrs	$5,000–$5,000,000	3.00%	-	paid every 1 yr
Fixed	-	4 yrs	$5,000–$5,000,000	2.95%	-	paid every 3 mo
Fixed	-	4 yrs	$5,000–$5,000,000	2.95%	-	paid every 6 mo
Fixed	-	5 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	5 mo	$5,000–$5,000,000	2.90%	-	paid at maturity
Fixed	-	6 mo	up to $5,000	0.10%	-	paid at maturity
Fixed	-	6 mo	up to $5,000	0.10%	-	paid every 1 mo
Fixed	-	6 mo	up to $5,000	0.10%	-	paid every 3 mo
Fixed	-	6 mo	$5,000–$5,000,000	4.70%	-	paid at maturity
Fixed	-	6 mo	$5,000–$5,000,000	4.65%	-	paid every 1 mo
Fixed	-	6 mo	$5,000–$5,000,000	4.65%	-	paid every 3 mo
Fixed	-	5 yrs	up to $5,000	0.15%	-	paid every 1 mo
Fixed	-	5 yrs	up to $5,000	0.15%	-	paid every 1 yr
Fixed	-	5 yrs	up to $5,000	0.15%	-	paid every 3 mo
Fixed	-	5 yrs	up to $5,000	0.15%	-	paid every 6 mo
Fixed	-	5 yrs	$5,000–$5,000,000	2.95%	-	paid every 1 mo
Fixed	-	5 yrs	$5,000–$5,000,000	3.00%	-	paid every 1 yr
Fixed	-	5 yrs	$5,000–$5,000,000	2.95%	-	paid every 3 mo
Fixed	-	5 yrs	$5,000–$5,000,000	2.95%	-	paid every 6 mo
Fixed	-	7 mo	up to $5,000	0.10%	-	paid at maturity
Fixed	-	7 mo	$5,000–$5,000,000	3.15%	-	paid at maturity
Fixed	-	8 mo	up to $5,000	0.10%	-	paid at maturity
Fixed	-	8 mo	$5,000–$5,000,000	3.50%	-	paid at maturity
Fixed	-	9 mo	up to $5,000	0.10%	-	paid at maturity
Fixed	-	9 mo	$5,000–$5,000,000	3.20%	-	paid at maturity

Rate changes

8 changes logged, newest first.

Date	Rate	Was	Now	Change
16 Oct 2026	Fixed, 6 mo, $5,000–$5,000,000	3.00%	4.70%	up 1.70
16 Oct 2026	Fixed, 6 mo, $5,000–$5,000,000	2.95%	4.65%	up 1.70
16 Oct 2026	Fixed, 6 mo, $5,000–$5,000,000	2.95%	4.65%	up 1.70
16 Oct 2026	Fixed, 8 mo, $5,000–$5,000,000	4.40%	3.50%	down 0.90
25 Sept 2026	Fixed, 1 yr, $5,000–$5,000,000	5.00%	4.90%	down 0.10
25 Sept 2026	Fixed, 1 yr, $5,000–$5,000,000	4.95%	4.85%	down 0.10
25 Sept 2026	Fixed, 1 yr, $5,000–$5,000,000	4.95%	4.85%	down 0.10
25 Sept 2026	Fixed, 1 yr, $5,000–$5,000,000	4.95%	4.85%	down 0.10

Each change is logged the night it appears in the rates Bendigo Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

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

When you make a transaction2

Bank Cheque Withdrawal
$10
EFT Credit Transfer
$4

Features

Digital banking

Eligibility and limits

Minimum balance $1
Opening balance $1,000

Compare it with others

All term deposits Other Bendigo Bank term deposits Everything Bendigo Bank publishes

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Published by Bendigo Bank under the Consumer Data Right, last changed by them on 16 Oct 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.