Compare our personal account rates on one page.
Deposit Rates Effective: 23/10/2024
Transaction account interest rates
|
Product |
Tier |
Interest rates |
|---|---|---|
| Everyday Account | ||
| $0 plus | 0.00% p.a. | |
| Student Account | ||
| $1 < $250 | 0.00% p.a. | |
| $250 < $2,000 | 0.01% p.a. | |
| $2,000 < $5,000 | 0.05% p.a. | |
| $5,000 plus | 0.05% p.a. | |
| Concession Account | ||
| $0 plus | 0.00% p.a. |
|
Product |
Stepped |
Interest rates |
|---|---|---|
| Easy Retirement Account | ||
| For that part of your balance between | $0 - $9,999.99 | 0.85% p.a. |
| For that part of your balance between | $10,000 - $49,999.99 | 1.70% p.a. |
| For that part of your balance between | $50,000 - $249,999.99 | 2.20% p.a. |
| For that part of your balance | $250,000 and above | 2.50% p.a. |
Savings account interest rates
|
Product |
Tier |
Interest rates |
|---|---|---|
| Reward Saver Account1 | ||
| Base Rate $0 plus | 0.30% p.a. | |
| Bonus Rate: for that part of your balance between $0 - $100,000 |
5.00% p.a. | |
| For that part of your balance $100,000.01 and above | 0.30% p.a. | |
| Bonus Rate ≤30 years of age: for that part of your balance between $0 - $100,000 |
5.00% p.a. | |
| For that part of your balance $100,000.01 and above | 0.30% p.a. | |
| EasySaver Account | ||
| $0 plus | 3.70% p.a. | |
| PiggySaver Account | ||
| $0 plus | 3.70% p.a. | |
| Christmas Club Account | ||
| $0 plus | 0.80% p.a. |
1 The Bonus Rate of interest will apply instead of the Base Rate when you meet the Bonus Rate eligibility criteria in clause 1.8 of the Bendigo Personal Accounts and Facilities Terms and Conditions.
Overdrawn account interest rates
|
Product |
Interest rate |
|---|---|
| Reward Saver Account | 18.48% p.a. |
| EasySaver Account | 18.48% p.a. |
| Christmas Club Account | 18.48% p.a. |
|
Product |
Interest rates |
|
|---|---|---|
| Standard overdraft rate | Overlimit rate* | |
| Everyday Account | 15.73% p.a. | 6.00% p.a. |
| Easy Retirement Account | 15.73% p.a. | 6.00% p.a. |
| PiggySaver Account | 15.73% p.a. | 6.00% p.a. |
| Student Account | 15.73% p.a. | 6.00% p.a. |
* The overlimit rate applies in addition to your overdrawn account rate if you exceed an approved overdraft limit.
Everyday Account - discounted offset rates
The following interest rates are those used to calculate the discounted interest on loan accounts that are linked to a Everyday Account. For more information refer to clause 5.7 to 5.14 of the Bendigo Personal Accounts and Facilities Terms and Conditions.
|
Product |
Interest rates |
|
|---|---|---|
| Full Offset^ | Partial Offset | |
| Everyday Account | 0.00% | 1.89% p.a. |
^ Full offset facility is available for Bendigo Complete Home Loan for both fixed and variable loans. Offset facility can only be linked to one loan at any one time. A maximum of 6 offset facilities can be linked per loan account. Linked offset facility must be in same customer name/number.
The balance of your linked Everyday Account helps to determine the interest payable on your home loan, your everyday account balance is fully offset against the balance of your linked loan Account. This means that you only pay interest on the difference between your loan balance and your offset account balance.
Personal accounts - no longer offered
|
Product |
Tier |
Interest rates |
|---|---|---|
| Now Account | ||
| $0 plus | 0.00% p.a. | |
| Future Account | ||
| $0 plus | 3.70% p.a. | |
| Classic Account | ||
| $1 < $500 | 0.00% p.a. | |
| $501 < $10,000 | 0.35% p.a. | |
| $10,001 < $30,000 | 0.40% p.a. | |
| $30,001 plus | 0.45% p.a. | |
| Networth Cash Management Account | ||
| $0 < $5,000 | 0.00% p.a. | |
| $5,001 < $25,000 | 0.00% p.a. | |
| $25,001 < $50,000 | 0.00% p.a. | |
| $50,001 < $100,000 | 0.00% p.a. | |
| $100,001 < $250,000 | 0.00% p.a. | |
| $250,001 < $500,000 | 0.00% p.a. | |
| $500,001 plus | 0.00% p.a. | |
| Money Extra Cash Management Account | ||
| $0 < $2,000 | 0.10% p.a. | |
| $2,001 < $25,000 | 0.35% p.a. | |
| $25,001 < $50,000 | 0.40% p.a. | |
| $50,001 < $100,000 | 0.45% p.a. | |
| $100,001 < $250,000 | 0.50% p.a. | |
| $250,001 < $500,000 | 0.60% p.a. | |
| $500,001 plus | 0.70% p.a. | |
| Piggy Bank Passbook Account | ||
| $0 plus | 0.80% p.a. | |
| Rewards Plus Account | ||
| $0 plus | 0.00% p.a. | |
| CommunitySaver Account | ||
| $0 plus | 3.70% p.a. | |
| Oxfam Community Investment Account | ||
| $0 < $2,000 | 0.10% p.a. | |
| $2,001 < $25,000 | 0.35% p.a. | |
| $25,001 < $50,000 | 0.40% p.a. | |
| $50,001 < $100,000 | 0.45% p.a. | |
| $100,001 < $250,000 | 0.50% p.a. | |
| $250,001 < $500,000 | 0.60% p.a. | |
| $500,001 plus | 0.70% p.a. | |
| Achiever Account | ||
| $0 plus | 0.00% p.a. | |
| Shareholder Account | ||
| $0 plus | 0.00% p.a. | |
| Ultimate Account | ||
| $0 plus | 0.00% p.a. | |
| Mortgage Saver Account | ||
| Not applicable | Not applicable | |
| For discounted Mortgage Saver Account rates: please refer to the above Everyday Account (Offset) - discounted rates |
||
|
Product |
Stepped |
Interest rates |
| Retirement Account | ||
| For that part of your balance between | $0 - $9,999.99 | 0.85% p.a |
| For that part of your balance between | $10,000 - $49,999.99 | 1.70% p.a |
| For that part of your balance between | $50,000 - $249,999.99 | 2.20% p.a |
| For that part of your balance | $250,000 and above | 2.50% p.a |
Things you should know
All rates subject to change.
This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.
