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.

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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.

At Adelaide Bank, we pride ourselves on our commitment to conduct business ethically and to the highest possible standard. In line with this commitment, we comply with a range of codes of practices outlined below.

Banking Code of Practice

Adelaide Bank follows the Banking Code of Practice, a voluntary code of conduct which sets standards of good banking practice for us to follow when dealing with you.

Download the Banking Code of Practice.

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

ePayments Code

Adelaide Bank has adopted the ePayments Code (formally known as the Electronic Funds Transfer Code of Conduct).

Download the ePayments Code.

Code of Operation for the Department of Human Services and the Department of Veterans' Affairs

The Code of Operation covers the recovery of debts from Department of Human Services income support payments or Department of Veterans' Affairs (DVA) payments. It aims to ensure that recipients of income support payments and DVA payments have sufficient income to maintain adequate food and shelter.

View the Code of Operation.

Family Law Guidelines

The Family Law Guidelines outline how Adelaide Bank (the Bank) will deal with applications for transfers of mortgage and consents to transfer of title as per a Family Court determination or approval and otherwise enforce debts affected by a family law property settlement.

View the Family Law Guidelines.

Code of Conduct

As part of the Bendigo and Adelaide Bank Group, we take pride in its reputation for dealing with stakeholders with integrity and respect. This Code of Conduct captures the spirit of the Group and provides a framework to guide our decisions, actions and behaviour.

View the Code of Conduct.

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