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Upcoming changes that will impact you
In December 2025, we will be transitioning your current products and services to our recently launched new products and services or other equivalent products and services.
To understand how the changes being made as part of the transition impact you and your products and services, please refer to the communications we have sent you. Copies of the Changes Booklets we prepared and distributed in May 2025 and copies of the terms and conditions documents referred to in them are available below. Please keep in mind that some of the information included in the Changes Booklets or the terms and conditions documents may have been updated by the more recent communications sent to you.
The transition will take place between 9 p.m. (AEDT) on Friday 5 December 2025 and 9 p.m. (AEDT) on Sunday 7 December 2025.
You will not have access to your funds during this transition period. This includes ATM, EFTPOS and any online services such as online banking. We recommend you plan ahead to make essential purchases outside of this transition period.
If you have any questions regarding the changes we are here to help. Please contact us on (08) 8201 9866 or email us at migration.careteam@bendigoadelaide.com.au
Changes Booklets
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Changes booklet for home loans and offset accountspdf, 560 KB
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Home Loan Terms and Conditions (16 October 2025)pdf, 223 KB
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Home Loan Terms and Conditions (17 October 2025)pdf, 362 KB
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Offset Account Terms and Conditions (16 October 2025)pdf, 211 KB
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Offset Account Terms and Conditions (17 October 2025)pdf, 345 KB
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Payment Facilities Terms and Conditions (15 May 2025)pdf, 300 KB
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Payment Facilities Terms and Conditions (17 October 2025)pdf, 396 KB
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Changes Booklet for Credit Cards and Personal Lines of Creditpdf, 565 KB
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Bendigo Credit Card Terms & Conditions (15 May 2025)pdf, 305 KB
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Bendigo Payment Facilities Terms & Conditions (15 May 2025)pdf, 589 KB
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Bendigo Bank Home Equity Loan (Regulated) Terms & Conditions (15 May 2025)pdf, 598 KB
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Bendigo Personal Accounts and Facilities Terms & Conditions (15 May 2025)pdf, 635 KB
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Bendigo Bank Schedule of Fees, Charges and Transaction Account Rebates (15 May 2025)pdf, 372 KB
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Bendigo Personal Accounts and Facilities Terms & Conditions (1 October 2025)pdf, 882 KB
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Bendigo Home Equity Loan (Regulated) Terms & Conditions (1 September 2025)pdf, 518 KB
The following documents are only relevant if we have told you that your home loan is moving to a Bendigo Bank home loan.
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Changes Booklet for Bendigo Bank Home Loans and Offset Accountspdf, 506 KB
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Bendigo Home Loan Terms and Conditions (15 May 2025)pdf, 301 KB
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Bendigo Payment Facilities Terms and Conditions (15 May 2025)pdf, 589 KB
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Bendigo Personal Accounts and Facilities Terms & Conditions (15 May 2025)pdf, 635 KB
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Bendigo Bank e-banking Telegraphic Transfer Terms & Conditions (15 May 2025)pdf, 197 KB
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Bendigo Bank Schedule of Fees, Charges and Transaction Account Rebates (15 May 2025)pdf, 372 KB
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Bendigo Bank Schedule of interest rates for Personal Accountspdf, 101 KB
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Bendigo Personal Accounts and Facilities Terms & Conditions (1 October 2025)pdf, 882 KB
The following documents are only relevant if you have a deposit account and we have told you that your deposit account is moving to a Bendigo Bank deposit account.
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Changes Booklet for Deposit Accountspdf, 299 KB
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Bendigo Personal Accounts and Facilities Terms & Conditions (15 May 2025)pdf, 635 KB
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Bendigo Business Accounts and Facilities Terms & Conditions (15 May 2025)pdf, 767 KB
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Bendigo Bank Term Deposit Accounts and Facilities Terms & Conditions (15 May 2025)pdf, 305 KB
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Bendigo Bank e-banking Telegraphic Transfer Terms & Conditions (15 May 2025)pdf, 197 KB
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Bendigo Bank Schedule of Fees, Charges and Transaction Account Rebates Terms & Conditions (15 May 2025)pdf, 372 KB
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Bendigo Bank Business Fees and Charges (15 May 2025)pdf, 440 KB
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Bendigo Bank Schedule of interest rates for Personal Accountspdf, 101 KB
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Bendigo Bank Schedule of interest rates for Business Accountspdf, 126 KB
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Bendigo Personal Accounts and Facilities Terms & Conditions (1 October 2025)pdf, 882 KB
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If you are unclear about any term or conditions, please call the phone number on your statement for assistance.
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Online Banking is provided by Adelaide Bank, a division of Bendigo and Adelaide Bank Limited. The products and services on this website are only available to Australian residents and are subject to Australian law. To the extent permitted by law, the Bank does not accept liability for loss or damage to any person using or relying on information on this website or accessed through this website. If the Bank is liable despite this exclusion, the Bank limits its liability (to the extent permitted by law) to the resupply of such information. The Bank does not accept any liability for information on third-party websites linked to this website. You access and use those websites at your own risk.