Provider
LiveBendigo
As of 18 September 2026, Bendigo has 34 products across six of the 8 pillars BankMate tracks: 2 savings accounts, 4 credit cards, 9 home loans, 2 term deposits, 6 personal loans and 11 super products. Its highest-placed product is Bendigo Express Home Loan at 6.02% comparison rate, 7th of 107 variable owner-occupier P&I loans. Its rates last moved on 25 July 2026.
- Pillars
- 6 of 8
- No share trading, crypto exchange
- Products tracked
- 34
- 2 savings accounts · 4 credit cards · 9 home loans
- Highest placed
- #7
- Bendigo Express Home Loan · of 107 variable owner-occupier P&I loans
- Last change
- 25 July 2026
- 7 changes on record
What changed
7 changes across 2 pillars since 1 Mar 2026- Term depositsBendigo Cash Solutions Term Deposit · 12-month 3.50 → 3.47−0.03
- Term depositsStandard Term Deposit · 4 terms cut 0.10−0.10
- −0.05
- Savings accounts2 accounts up 0.2516 days after the RBA rise to 4.35%+0.25
- Bendigo Reward Saver 4.50 → 4.75
- Bendigo PiggySaver 3.30 → 3.55
- Term depositsStandard Term Deposit · 4 terms up 0.3044 days after the RBA rise to 4.10%+0.30
- Term depositsStandard Term Deposit · 12-month 4.70 → 4.8028 days after the RBA rise to 4.10%+0.10
Show 1 earlier change
- Savings accountsBendigo Reward Saver 4.25 → 4.50Bonus rate 4.15% → 4.40% · 20 days after the RBA rise to 4.10%+0.25
Savings accounts · 2
Total rate, conditions met · ranked among 94 accountsBalance must grow · bonus up to $100k
4.75%#65 of 940.10% base + 4.65% bonus
- Balance growth
- $1/month
- Balance range
- $0 - $100,000
Bonus up to $250k
3.55%#88 of 94No bonus component
- Balance range
- $0 - $250,000
- Age
- Up to 12 years
Full savings accounts record for Bendigo →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Bendigo · Compare all savings accounts
Credit cards · 4
Ranked by bonus net of first-year fee · of 51 bonus cardsBendigo Bank Rewards · 1
- Annual fee
- $89
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Bendigo Bank Rewards
- Base earn rate
- 1.5 Bendigo Bank Rewards pts per $
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Qantas Frequent Flyer · 1
- Annual fee
- $149
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.6 Qantas Frequent Flyer pts per $
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
No rewards · 2
- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Rewards program
- None
- Purchase rate
- 19.99% p.a.
- Cash advance rate
- 19.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
- Annual fee
- $59
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- None
- Purchase rate
- 11.99% p.a.
- Cash advance rate
- 19.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Full credit cards record for Bendigo →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Home loans · 9
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · offset account · redraw · 6 variants
1y 6.07%2y 6.13%3y 6.16%4y 6.22%5y 6.26%6.02%#7 of 107comparison · 5.89% advertised
- Application fee
- None
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60–80% LVR · redraw · no ongoing fee · 29 variants
1y 6.18%2y 6.21%3y 6.22%4y 6.26%5y 6.29%6.15%#15 of 107comparison · 6.13% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · 59 variants
1y 6.39%2y 6.43%3y 6.45%4y 6.49%5y 6.52%6.36%#43 of 107comparison · 6.18% advertised
- Application fee
- $299
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · 59 variants
1y 6.41%2y 6.45%3y 6.47%4y 6.51%5y 6.54%6.38%#45 of 107comparison · 6.18% advertised
- Application fee
- $299
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · 7 variants
1y 6.44%2y 6.47%3y 6.49%4y 6.54%5y 6.56%6.40%#47 of 107comparison · 6.18% advertised
- Application fee
- $784
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Show 4 more
Variable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · 32 variants
1y 6.44%2y 6.47%3y 6.49%4y 6.54%5y 6.56%6.40%#47 of 107comparison · 6.18% advertised
- Application fee
- $150
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · 7 variants
1y 6.44%2y 6.47%3y 6.49%4y 6.54%5y 6.56%6.40%#47 of 107comparison · 6.18% advertised
- Application fee
- $150
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · 12 variants
6.88%#50 of 81comparison · 6.58% advertised
- Application fee
- $150
- Ongoing fee
- $20 a month
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account · 2 variants
10.43%#67 of 68comparison · 10.29% advertised
- Application fee
- $150
- Ongoing fee
- $10 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for Bendigo →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 2
Best rate per product, by term · ranked within each terminterest annually or quarterly or monthly or at maturity · from $5,000 · 13 terms
3 mo 3.60%6 mo 3.15%9 mo 4.40%1 yr 4.95%2 yr 4.50%3 yr 3.00%5 yr 3.00%15 mo 3.00%4 yr 3.00%4.95%#234 of 5901 year
- 3 months
- 3.60% · #266 of 369
- 6 months
- 3.15% · #536 of 547
- 9 months
- 4.40% · #190 of 500
- 1 year
- 4.95% · #234 of 590
- 2 years
- 4.50% · #196 of 394
- 3 years
- 3.00% · #337 of 345
- 5 years
- 3.00% · #144 of 152
- 15 months
- 3.00% · #29 of 29
- 4 years
- 3.00% · #149 of 157
- Minimum deposit
- $5,000
- Maximum deposit
- $5,000,000
- Interest paid
- Annually or Quarterly or Monthly or At maturity
- Early withdrawal
- Not allowed
interest annually or quarterly or monthly · from $0 · 6 terms
6 mo 3.25%1 yr 3.47%2 yr 3.81%3 yr 3.81%5 yr 3.81%4 yr 3.81%3.81%#68 of 1525 years
- 6 months
- 3.25% · #531 of 547
- 1 year
- 3.47% · #573 of 590
- 2 years
- 3.81% · #306 of 394
- 3 years
- 3.81% · #253 of 345
- 5 years
- 3.81% · #68 of 152
- 4 years
- 3.81% · #87 of 157
- Minimum deposit
- $0
- Interest paid
- Annually or Quarterly or Monthly
- Early withdrawal
- Not allowed
Full term deposits record for Bendigo →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 6
Comparison rate · ranked within unsecured or secured loansUnsecured · 3
Unsecured · fixed · any purpose · $150 application
9.27%#108 of 212comparison · from 8.24% advertised
- Advertised rate
- from 8.24% p.a.
- Comparison rate
- 9.27% p.a.
- Rate type
- Fixed
- Application fee
- $150
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- $20
- Loan amount
- From $2,000
- Loan term
- 7 years to 7 years
Unsecured · fixed · any purpose · no fees
11.74%#166 of 212comparison · from 11.74% advertised
- Advertised rate
- from 11.74% p.a.
- Comparison rate
- 11.74% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- $20
- Loan amount
- From $2,000
- Loan term
- 7 years to 7 years
Unsecured · fixed · any purpose · $150 application · $5/mo
16.64%#204 of 212comparison · from 14.54% advertised
- Advertised rate
- from 14.54% p.a.
- Comparison rate
- 16.64% p.a.
- Rate type
- Fixed
- Application fee
- $150
- Monthly fee
- $5
- Annual fee
- None
- Early repayment fee
- $20
- Loan amount
- From $2,000
- Loan term
- 7 years to 7 years
Secured · 3
Secured · fixed · any purpose · $150 application
6.61%#3 of 48comparison · from 6.24% advertised
- Advertised rate
- from 6.24% p.a.
- Comparison rate
- 6.61% p.a.
- Rate type
- Fixed
- Application fee
- $150
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- $20
- Loan amount
- From $2,000
- Loan term
- 7 years to 7 years
Secured · fixed · car loan · no fees
9.70%#41 of 48comparison · from 9.54% advertised
- Advertised rate
- from 9.54% p.a.
- Comparison rate
- 9.70% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- $20
- Loan amount
- From $2,000
- Loan term
- 7 years to 7 years
Secured · fixed · car loan · $150 application · $5/mo
10.26%#42 of 48comparison · from 9.54% advertised
- Advertised rate
- from 9.54% p.a.
- Comparison rate
- 10.26% p.a.
- Rate type
- Fixed
- Application fee
- $150
- Monthly fee
- $5
- Annual fee
- None
- Early repayment fee
- $20
- Loan amount
- From $2,000
- Loan term
- 7 years to 7 years
Full personal loans record for Bendigo →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
Superannuation · 11
10-year return · ranked among options of the same typeMySuper · 3
- Bendigo Growth Index Fund - MySuper
Bendigo MySuper · Growth · MySuper · performance test passed
7.94%#40 of 2575-yr 6.73% · fee $320 at $50k
- 3-year return
- 11.38%
- 5-year return
- 6.73%
- 7-year return
- 7.43%
- 10-year return
- 7.94%
- Growth allocation
- 83% growth assets
- Total fee at $50k
- $320
- Total fee at $100k
- $560
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 8,820
- Open to new members
- Yes
- Bendigo Balanced Index Fund - MySuper
Bendigo MySuper · Balanced · MySuper · performance test passed
6.40%#165 of 2575-yr 5.49% · fee $310 at $50k
- 3-year return
- 9.67%
- 5-year return
- 5.49%
- 7-year return
- 6.04%
- 10-year return
- 6.40%
- Growth allocation
- 66% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $540
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 8,820
- Open to new members
- Yes
- Bendigo Conservative Index Fund - MySuper
Bendigo MySuper · Moderate · MySuper · performance test passed
4.83%#221 of 2575-yr 4.09% · fee $310 at $50k
- 3-year return
- 7.77%
- 5-year return
- 4.09%
- 7-year return
- 4.56%
- 10-year return
- 4.83%
- Growth allocation
- 49% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $530
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 8,820
- Open to new members
- Yes
Choice · 8
- Bendigo High Growth Index Fund
Bendigo SmartStart Super · High growth · Platform · performance test failed
10.04%#12 of 3885-yr 8.82% · fee $330 at $50k
- 3-year return
- 14.48%
- 5-year return
- 8.82%
- 7-year return
- 9.42%
- 10-year return
- 10.04%
- Growth allocation
- 95% growth assets
- Total fee at $50k
- $330
- Total fee at $100k
- $580
- Admin fee at $50k
- $90
- Performance test
- Failed
- Members
- 760
- Open to new members
- No
- Bendigo Growth Index Fund
Bendigo SmartStart Super · Growth · Platform · performance test passed
8.91%#55 of 3885-yr 7.83% · fee $320 at $50k
- 3-year return
- 13.07%
- 5-year return
- 7.83%
- 7-year return
- 8.45%
- 10-year return
- 8.91%
- Growth allocation
- 83% growth assets
- Total fee at $50k
- $320
- Total fee at $100k
- $560
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 1,350
- Open to new members
- Yes
- Bendigo Balanced Index Fund
Bendigo SmartStart Super · Balanced · Platform · performance test passed
7.27%#131 of 3885-yr 6.42% · fee $310 at $50k
- 3-year return
- 11.15%
- 5-year return
- 6.42%
- 7-year return
- 6.92%
- 10-year return
- 7.27%
- Growth allocation
- 66% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $540
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 1,100
- Open to new members
- Yes
- Bendigo Balanced Wholesale Fund
Bendigo SmartStart Super · Balanced · Platform · performance test failed
6.31%#190 of 3885-yr 4.73% · fee $525 at $50k
- 3-year return
- 9.81%
- 5-year return
- 4.73%
- 7-year return
- 6.13%
- 10-year return
- 6.31%
- Growth allocation
- 66% growth assets
- Total fee at $50k
- $525
- Total fee at $100k
- $960
- Admin fee at $50k
- $90
- Performance test
- Failed
- Members
- 660
- Open to new members
- No
- Bendigo Conservative Index Fund
Bendigo SmartStart Super · Moderate · Platform · performance test passed
5.60%#223 of 3885-yr 4.83% · fee $310 at $50k
- 3-year return
- 9.03%
- 5-year return
- 4.83%
- 7-year return
- 5.31%
- 10-year return
- 5.60%
- Growth allocation
- 49% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $530
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 600
- Open to new members
- Yes
Show 3 more
- Bendigo Conservative Wholesale Fund
Bendigo SmartStart Super · Moderate · Platform · performance test passed
5.29%#242 of 3885-yr 4.44% · fee $420 at $50k
- 3-year return
- 8.53%
- 5-year return
- 4.44%
- 7-year return
- 5.28%
- 10-year return
- 5.29%
- Growth allocation
- 49% growth assets
- Total fee at $50k
- $420
- Total fee at $100k
- $760
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 360
- Open to new members
- Yes
- Bendigo Defensive Wholesale Fund
Bendigo SmartStart Super · Conservative · Platform · performance test passed
4.00%#295 of 3885-yr 3.72% · fee $435 at $50k
- 3-year return
- 7.09%
- 5-year return
- 3.72%
- 7-year return
- 3.99%
- 10-year return
- 4.00%
- Growth allocation
- 32% growth assets
- Total fee at $50k
- $435
- Total fee at $100k
- $780
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 130
- Open to new members
- Yes
- Bendigo Defensive Index Fund
Bendigo SmartStart Super · Conservative · Platform · performance test passed
3.91%#304 of 3885-yr 3.08% · fee $305 at $50k
- 3-year return
- 6.77%
- 5-year return
- 3.08%
- 7-year return
- 3.59%
- 10-year return
- 3.91%
- Growth allocation
- 32% growth assets
- Total fee at $50k
- $305
- Total fee at $100k
- $530
- Admin fee at $50k
- $90
- Performance test
- Passed
- Members
- 170
- Open to new members
- Yes
Full superannuation record for Bendigo →
MySuper returns are net of all fees for a $50k member; Choice returns are net investment returns before admin fees, as APRA publishes them. Compare all super options · Super report
Bendigo has no share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on Bendigo
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