Bendigo Bank Everyday Account Product Review

The Bendigo Bank Everyday Account combines easy access to your funds with a waived account fee when you deposit at least $2,000 a month.

This everyday transaction account offers a Debit MasterCard and unlimited electronic, phone, ATM and branch transactions. The $6 monthly account fee is waived if you have a home loan with Bendigo, or if you deposit $2,000 a month.

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Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameBendigo Bank Everyday Account
Monthly account fee$6
Card accessMastercard
ATM Withdrawal Fee$0
International ATM Fee$5
International transaction fee3%
Monthly deposit required to waive account fee$2,000
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This account is suited to customers who have a home loan with Bendigo Bank. You can use this account as an offset account against your loan to reduce the amount of interest you need to pay. This could be a convenient option instead of having a separate offset account and everyday transaction account.

There is a $6 monthly account keeping fee, however this is waived if you’ve got a home loan with Bendigo. If you don’t have a home loan with Bendigo, you can get the monthly account fee waived if you deposit $2,000 per month. This deposit condition is higher than many other transaction accounts, so make sure you can realistically meet this if you want to avoid the monthly fee.

The account comes with a Debit MasterCard which you can use in Australia and overseas, in stores and online. You can also link your account to Apple PAy, Google Pay and Samsung Pay to tap and go with your phone. You’ll pay no ATM fees at Bendigo ATMs, or at ATMs owned by the Big Four banks. But if you do need to use an ATM owned by another operator, you could be charged a withdrawal fee.

Key features

No ongoing monthly account fee

If you deposit at least $2,000 per month, you will not have to pay any ongoing service fee on this account. The monthly service fee is also waived if you hold a Bendigo Bank home loan. However, a monthly fee of $6 will apply if you do not satisfy either of these requirements.

Unlimited fee-free electronic transactions

You can perform unlimited electronic transactions through Bendigo Bank e-banking without incurring any fees. This allows you to transfer money and use BPAY to pay bills.

How to apply


  • Minimum age. You must be 16 years of age or older to open an account.
  • Residency requirements. The Bendigo Bank Everyday Account is only available to Australian citizens or permanent residents.

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    Default Gravatar
    July 26, 2019

    What is the frequency of paper statements

      Default Gravatar
      July 27, 2019

      Hi Chrissy,

      Thanks for your message. A statement is sent by Bendigo monthly. If you want to opt for e-statements, you may do so by providing an email address and will be used to notify you when you have a new e-statement available for viewing via e-banking. You must select to receive either email notifications or paper statements. Also, you can view and save each statement as a PDF.

      Hope this helps!


    Default Gravatar
    July 11, 2019

    How do I increase to another $1,000 limit?

      Avatarfinder Customer Care
      July 12, 2019

      Hi Ben,

      Thank you for getting in touch with Finder.

      If you’re considering to deposit a thousand dollar higher than the monthly requirement of $2,000, you may do so. Please note that as long as you deposit at least $2000 per month you will not be charged a monthly account fee.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    July 8, 2019

    How can I cash out the money on Bendigo bank ATM, please?

      Avatarfinder Customer Care
      July 9, 2019

      Hi Karoline,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      If you are referring to the Bendigo Bank Everyday Account, you can simply locate a Bendigo Bank ATM near you and start withdrawing money. Make sure that you have sufficient fund. It is worth noting that you can do unlimited withdrawals from Bendigo Bank ATMs. However, please note that there’s a daily ATM withdrawal limit of $1,000.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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