About us

Money is just the start of what banking should offer.

With care and understanding, we’ve spent over a century helping people buy homes and make their savings work harder.  We’ve done this by offering smart, competitive products and personal service that reflects how highly we value our customers.

Whether you start your Adelaide Bank journey with an expert mortgage broker or deal with us direct, we'd love to take care of your banking needs.

Adelaide Bank was established in 1994, originating from the Co-operative Building Society of South Australia (the nation’s largest building society of the time).

In 2007, Adelaide Bank merged with Bendigo Bank to form Bendigo and Adelaide Bank Limited, a publicly listed and top 60 ASX company with over 90,000 shareholders.


Share price

Online share registry

ASX announcements


Our depositors are protected under the Australian Government’s Financial Claims Scheme (FCS) which provides protection and quick access to deposits made with a bank, building society or credit union in the unlikely event that one of these institutions fails.

1. What is the Financial Claims Scheme?

The Financial Claims Scheme (FCS) is an Australian Government scheme that provides protection and quick access to deposits in banks, building societies and credit unions in the unlikely event that one of these financial institutions fails.

Under the FCS, certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA).

The FCS can only come into effect if it is activated by the Australian Government when an institution fails. Once activated, the FCS will be administered by the Australian Prudential Regulation Authority (APRA).

In an FCS scenario, APRA would aim to pay the majority of customers their protected deposits under the Scheme within seven calendar days.

2. How is the FCS limit applied?

The FCS limit of $250,000 applies to the sum of an account holder's deposits under the one banking license.

Therefore, all deposits held by an account holder with a single banking institution must be added together towards the $250,000 FCS limit, and this includes accounts with any other banking businesses that the licenced banking institution may operate under a different trading name.

Bendigo and Adelaide Bank Limited’s network of brands and joint ventures provide a wide range of products and services, and those that are covered by the FCS are Bendigo Bank, Adelaide Bank, Community Bank, Alliance Bank, Community Sector Banking, Rural Bank and Delphi Bank.

3. Where can I get further information on the FCS?

Further information on the FCS is available on the FCS website. The FCS website also contains a list of FAQs related to banking.

As a division of Bendigo and Adelaide Bank Ltd, Adelaide Bank follows the Code of Banking Practice.

This voluntary code provide guidelines for good banking practice between banks and their individual, and small business, customers.

The Code applies to any financial product or service supplied by Adelaide Bank to an individual or small business and requires extensive disclosure of information by us to guarantors.

The Code requires us to:

  • Exercise the care and skill of a prudent banker in relation to credit assessment before offering a new credit facility or increasing and existing facility
  • Accept and process a customer’s request to cancel a Direct Debit or a complaint or unauthorised or irregular transactions, without referring the customer to the debit user first
  • Process a claim for a chargeback right for credit card and debit card customers within a specified time and manner
  • Publish Family Law Guidelines.

View the Code of Conduct and Customer Feedback Management Policy.

Download the Code of Banking Practice [PDF, 6831.15 KB].

Download the Family Law Guidelines [PDF, 68.8 KB].

For further information about the Code of Banking Practice visit the Australian Bankers Association website.

We're here to help

Call 1300 652 220

Monday to Friday 8am-8pm (CST)
Sat,Sun & Public Holidays 9am-4pm (CST)

Make an enquiry

Enquire now