Bendigo Bank Christmas Club Account

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.

0.05% p.a.

Maximum variable rate


Base interest rate

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Product NameBendigo Bank Christmas Club Account
Maximum Variable Rate0.05% p.a.
Standard Variable Rate0.05% p.a.
Monthly Account Fee$0
Minimum Opening Deposit$1
Minimum Age12

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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