Bendigo Bank term deposit rates
17 terms published on 10 Oct 2026, best 4.90% for 12 months, from Bendigo Bank’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Bendigo Bank website →
Bendigo Bank at a glance
Today’s rates17 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 1.20% | joint #26 of 33 | −0.30 | −2.90 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 2mo | 1.45% | #28 of 36 | −0.30 | −3.00 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 3mo | 2.75% | #67 of 68 | −1.80 | −2.50 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 4mo | 3.60% | #39 of 49 | −1.05 | −1.80 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 5mo | 2.90% | #48 of 50 | −1.40 | −2.30 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 6mo | 3.00% | joint #71 of 73 | −2.00 | −2.45 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 7mo | 3.15% | #42 of 43 | −1.80 | −2.30 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 8mo | 4.40% | joint #19 of 39 | median | −0.85 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 9mo | 3.20% | #58 of 60 | −1.60 | −2.20 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 10mo | 3.25% | #38 of 40 | −0.75 | −2.10 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 11mo | 3.30% | #42 of 45 | −0.70 | −2.15 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 1yr | 4.90% | joint #66 of 75 | −0.35 | −0.70 | ▼ −0.10 26 Sep | in effect since 26 Sep 2026 | $5,000 | Standard Term Deposit |
| 15mo | 3.00% | #7 of 8 | −0.55 | −2.00 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 2yr | 4.50% | joint #41 of 67 | −0.20 | −1.05 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 3yr | 3.00% | #48 of 51 | −1.30 | −2.45 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 4yr | 3.00% | #29 of 32 | −1.00 | −2.50 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
| 5yr | 3.00% | #29 of 31 | −1.00 | −2.50 | — | same on every day read since 26 Aug 2026 (44 of 46 days read) | $5,000 | Standard Term Deposit |
“Rank”, “vs median” and “vs best” compare Bendigo Bank with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What Bendigo Bank publishes about its products5 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Standard Term Deposit | at maturity, quarterly, monthly, half-yearly, yearly | $0 | $5,000,000 | 17 | product page · terms · fees · eligibility |
| Gold Term Deposit | quarterly | $0 | $5,000,000 | 1 | product page · terms · fees · eligibility |
Standard Term Deposit: eligibility, conditions and features
- Conditions
- opening balance 1000.00 — *Minimum to Open; min balance 1.00 — *Minimum Balance to Maintain
- Features
- digital banking — Existing customers only
- The bank’s description
- Bendigo Bank’s range of term deposits offer great rates so you can watch your money grow. At maturity, reinvest, add extra or withdraw all/part of your investment from any Bendigo Branch.
- Interest calculated
- daily
Gold Term Deposit: eligibility, conditions and features
- Conditions
- opening balance 2000.00 — *Minimum to Open; min balance 1.00 — *Minimum Balance to Maintain
- Features
- digital banking — *Existing customers only
- The bank’s description
- A Bendigo Gold Term Deposit Account is a deposit account that allows a retail client to deposit $2,000 or more into it for a 12 month investment period with interest payable every 3 months at an agreed rate. Funds can be reinvested or withdrawn, however any withdrawal greater than 25% of the valu…
- Interest calculated
- daily
Also published, not ranked here: Fixed Rate Farm Management Deposit other (product page); Bendigo Cash Solutions Term Deposit other; Foreign Currency Term Deposit Account other (product page).
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 17 terms
3mo 2.75% today
26 Aug 202610 Oct 2026
6mo 3.00% today
26 Aug 202610 Oct 2026
1yr 4.90% today
26 Aug 202610 Oct 2026
2yr 4.50% today
26 Aug 202610 Oct 2026
3yr 3.00% today
26 Aug 202610 Oct 2026
5yr 3.00% today
26 Aug 202610 Oct 2026
All 17 terms — the other 11
1mo 1.20% today
26 Aug 202610 Oct 2026
2mo 1.45% today
26 Aug 202610 Oct 2026
4mo 3.60% today
26 Aug 202610 Oct 2026
5mo 2.90% today
26 Aug 202610 Oct 2026
7mo 3.15% today
26 Aug 202610 Oct 2026
8mo 4.40% today
26 Aug 202610 Oct 2026
9mo 3.20% today
26 Aug 202610 Oct 2026
10mo 3.25% today
26 Aug 202610 Oct 2026
11mo 3.30% today
26 Aug 202610 Oct 2026
15mo 3.00% today
26 Aug 202610 Oct 2026
4yr 3.00% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Bendigo Bank published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where Bendigo Bank sitsagainst the 77 banks ranked today
1yr: 65 banks ahead
- Community First Bank 5.60%
- Dnister Bank 5.55%
- Heartland Bank 5.55%
- Unity Bank 5.50%
- Alex Bank 5.50%
- Bank Australia 5.50%
- and 59 more on the leaderboard
6mo: 70 banks ahead
- Heartland Bank 5.45%
- RACQ Bank 5.45%
- Unity Bank 5.35%
- Dnister Bank 5.30%
- Bank Australia 5.30%
- Bank First 5.30%
- and 64 more on the leaderboard
Timeline1 rate change since 26 Aug 2026 · ▲0 ▼1 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
| 26 Sep 2026 | 1yr | 5.00 → 4.90 | ▼ −0.10 |
Questions about these rates
What is Bendigo Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Bendigo Bank publishes in its Consumer Data Right feed is 4.90% for 12 months (Standard Term Deposit). That is joint #70 of the 77 Australian banks ranked by best rate today.
What is Bendigo Bank’s 12-month term deposit rate?
4.90% as read on 10 Oct 2026, 0.35 points below the market median of 5.25%, and joint #66 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at Bendigo Bank?
The lowest minimum Bendigo Bank states in its feed is $5,000 (Standard Term Deposit, 1-month). Check the product disclosure statement for balance tiers.
When did Bendigo Bank last change a term deposit rate?
The most recent change we read was on 26 Sep 2026: the 12-month rate moved from 5.00% to 4.90%. We have read 1 change at Bendigo Bank since 26 Aug 2026.
Are deposits with Bendigo Bank guaranteed?
Bendigo Bank publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence Bendigo Bank operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About Bendigo Bank” below; rates are as read on 10 Oct 2026.
About Bendigo Bank
- Type
- ASX-listed bank
- Part of
- Bendigo and Adelaide Bank
- ASX code
- BEN
- Website
- www.bendigobank.com.au
- Consumer Data Right feed
- https://api.cdr.bendigobank.com.au
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates Bendigo Bank publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accounts at Bendigo Bankhighinterestsavingsaccounts.org
A savings account keeps the money at call, but its rate can change at any time and its best rate usually has monthly conditions. A term deposit locks one rate for its term. Both figures come from the bank’s own feed.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.