In this guide

  • Review
  • Details
    • Key details
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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Bendigo Bank Christmas Club Account

Bendigo Bank Christmas Club Account
Maximum variable rate
0.80% p.a.
Base interest rate
Minimum deposit


Save for the holiday season using the Bendigo Christmas Club Account and watch your money earn interest.

The Bendigo Bank Christmas Club Account is perfect for people who wish to set some money aside for the holiday period. It does not charge any transaction fees between 1st November and 31st January, and provides access to funds via online, phone and branch banking. An early withdrawal fee discourages you from making withdrawals at other times.


  • Don't blow your budget this festive season
  • $0 account keeping fee
  • Access to hundreds of branches in Australia
  • Earn an interest rate


  • Withdrawal restrictions apply

In this guide

  • Review
  • Details
    • Key details
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name Bendigo Bank Christmas Club Account
Maximum Variable Rate 0.80% p.a.
Standard Variable Rate 0.80% p.a.
Monthly Account Fee $0
Minimum Opening Deposit $1
Minimum Age 12

Key features

Monthly fees

This account does not charge any ongoing monthly account keeping fees.

Other fees

An early withdrawal fee of $15 per withdrawal is in place to discourage you from making withdrawals between 1st February and 31st October. When you make withdrawals in between 1st November and 31st January, no eligible transaction fees apply.

How to apply


You can open the Christmas Club Account by visiting your nearest Bendigo Branch, you can apply over the phone, and you can also get started by sending the bank an email. Before you apply, establish if you meet the following eligibility criteria:

  • Residency requirements. You should be an Australian resident and should have an Australian residential address.
  • Minimum age. You should be at least 12 years old.

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Gloria Smith

October 07, 2023

I’m in a bad situation with domestic violence I don’t live near any branch and it’s over 3 hrs away. I would like to withdraw some money from my Xmas club account to move is there any way of organising doing a transfer online .


Sarah Megginson Finder

October 13, 2023

Hi Gloria,

Sorry to hear about your situation. If you make a withdrawal from this account prior to November 1, you’ll pay a $15 fee. We’re not able to provide personal advice or customer service related specifically to your account, so we recommend you contact Bendigo Bank directly for further help.

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