Wallets/bendigo-bank
Bendigo Bank (Bendigo and Adelaide Bank)
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Overview
Bendigo Bank (Bendigo and Adelaide Bank) is Australia's 5th-largest bank + distinctive Australian Community Bank® network model [1, 2, au-cro]. 2025 baseline: 1.5M Australian customers + $65B Bendigo and Adelaide Bank assets + 600+ Australian service outlets including 305 locally owned Community Bank® branches (Australia's 2nd largest regional + 3rd largest national branch network); Aug 2025 Bendigo Bank 10-branch consolidation (following review of evolving customer preferences + reduction in business activity + increase in costs).
Distinctive Bendigo Bank positioning [1, 2, 3]:
- Australia's 5th-largest bank with 1.5M Australian customers + $65B Bendigo and Adelaide Bank assets
- 600+ Australian service outlets including 305 locally owned Community Bank® branches (Australia's 2nd largest regional + 3rd largest national branch network)
- Distinctive Australian Community Bank® network model (Community Bank® branches owned by local Australian communities; profit-sharing distinctive Australian community banking innovation)
- Aug 2025 Bendigo Bank 10-branch consolidation (following review of evolving customer preferences + reduction in business activity + increase in costs)
- Bendigo Bank App distinctive features: Quick login via 4-digit PIN or biometrics + instant access with Apple Pay + extensive card controls
- Bank launches 24/7 business banking advice app (Bendigo Bank distinctive Australian small business banking innovation)
- 1858 Adelaide Bank founding (Bendigo Bank's ultimate predecessor) + 1995 Bendigo Bank founding + 2007 Bendigo Bank + Adelaide Bank merger → Bendigo and Adelaide Bank — distinctive Australian regional banking consolidation
History
Nov 9 1858 — Adelaide Bank founded in Adelaide, South Australia (Bendigo Bank's ultimate predecessor) → distinctive Australian South Australian banking heritage.
Nov 10 1858 — Bendigo Building Society founded in Bendigo, Victoria → distinctive Australian Victorian banking heritage.
1995 — Bendigo Bank founding (Bendigo Building Society conversion to commercial bank).
Nov 30 2007 — Bendigo Bank + Adelaide Bank merger → Bendigo and Adelaide Bank — distinctive Australian regional banking consolidation.
2010 — Bendigo Bank mobile banking app launches.
Aug 2025 — Bendigo Bank 10-branch consolidation (following review of evolving customer preferences + reduction in business activity + increase in costs) [3].
2025: 1.5M Australian customers + $65B Bendigo and Adelaide Bank assets + 600+ Australian service outlets including 305 locally owned Community Bank® branches [1, 2].
Ownership & operator
Operating entity: Bendigo and Adelaide Bank Limited (ASX: BEN).
Major shareholders: Vanguard + BlackRock + Australian Super + Australian institutional + Australian retail public float (distinctive Australian distributed shareholder structure).
Regulators: APRA (Australian Prudential Regulation Authority) + ASIC (Australian Securities + Investments Commission).
Technical integration
Bendigo Bank App (iOS + Android; quick login via 4-digit PIN or biometrics + instant access with Apple Pay + extensive card controls) + bendigobank.com.au online + Bendigo Bank cards (Visa + Mastercard) + Bendigo Bank 600+ Australian service outlets + 305 locally owned Community Bank® branches (distinctive Australian community banking model); PayID + NPP + BPAY + OSKO; Bank launches 24/7 business banking advice app (Bendigo Bank distinctive Australian small business banking innovation).
Users & growth
2025: 1.5M Bendigo Bank Australian customers + $65B Bendigo and Adelaide Bank assets + 600+ Australian service outlets including 305 locally owned Community Bank® branches.
Use cases
Australian retail + private + corporate + SME + investment + insurance banking via Bendigo Bank App + bendigobank.com.au online + cards + 600+ Australian service outlets including 305 locally owned Community Bank® branches (distinctive Australian community banking model); PayID + NPP + BPAY + OSKO; Bank launches 24/7 business banking advice app (Bendigo Bank distinctive Australian small business banking innovation).
Implementations & partners
Operator: Bendigo and Adelaide Bank Limited (ASX: BEN); Vanguard + BlackRock + Australian Super + Australian institutional + Australian retail public float.
Subsidiaries: Bendigo Telco + Sandhurst Trustees + Adelaide Bank brand (post-2007 Bendigo Bank + Adelaide Bank merger; integrated) + Community Bank® network (distinctive Australian community banking model with profit-sharing local Australian community ownership).
Major Australian banking competitors: [[commbank]] (CBA; Australia's largest bank) + [[westpac]] (Australia's 2nd-largest bank by assets) + [[anz-australia]] (ANZ; ANZ Plus distinctive Australian challenger banking innovation + 2024 Suncorp Bank A$4.9B acquisition completion) + [[nab]] (National Australia Bank; NAB app) + [[macquarie-bank]] (Macquarie Group's Australian retail + business banking subsidiary) + [[suncorp-bank]] (ANZ subsidiary post-Jul 2024 ANZ A$4.9B Suncorp Bank acquisition completion) + [[bank-of-queensland]] (BoQ) + [[ubank]] (NAB's digital subsidiary).
Regulators: APRA + ASIC.
Fun facts
- Australia's 5th-largest bank with 1.5M Australian customers + $65B Bendigo and Adelaide Bank assets.
- 600+ Australian service outlets including 305 locally owned Community Bank® branches (Australia's 2nd largest regional + 3rd largest national branch network).
- Distinctive Australian Community Bank® network model (Community Bank® branches owned by local Australian communities; profit-sharing distinctive Australian community banking innovation).
- Aug 2025 Bendigo Bank 10-branch consolidation (following review of evolving customer preferences + reduction in business activity + increase in costs).
- Bendigo Bank App distinctive features: Quick login via 4-digit PIN or biometrics + instant access with Apple Pay + extensive card controls.
- Bank launches 24/7 business banking advice app (Bendigo Bank distinctive Australian small business banking innovation).
- 1858 Adelaide Bank + 1858 Bendigo Building Society founding heritage + 1995 Bendigo Bank founding + 2007 Bendigo Bank + Adelaide Bank merger → Bendigo and Adelaide Bank — distinctive Australian regional banking consolidation.
Comparison
| Feature | Bendigo Bank (Bendigo and Adelaide Bank) | [[suncorp-bank]] (ANZ subsidiary post-Jul 2024 ANZ A$4.9B acquisition completion rival; 1.2M Suncorp Bank customers + Jun 2027 ANZ migration target) | [[bank-of-queensland]] (BoQ rival; myBOQ + BOQ Classic Mobile + Pocket Banker app) | [[ubank]] (NAB's digital subsidiary rival; 1M+ UBank customers Nov 10 2025 + most followed bank in Australia on TikTok) | [[macquarie-bank]] (Macquarie Group's Australian retail + business banking subsidiary rival; Macquarie Authenticator 1M+ users Jun 2025; branchless retail banking model) |
|---|---|---|---|---|---|
| Operator | Bendigo and Adelaide Bank Limited (ASX: BEN) | Suncorp Bank (ANZ subsidiary post-Jul 2024 ANZ A$4.9B acquisition completion) | Bank of Queensland Limited (ASX: BOQ) | UBank Limited (NAB subsidiary; ASX: NAB parent) | Macquarie Bank Limited (Macquarie Group Limited parent; ASX: MQG) |
| Type | Australia's 5th-largest bank + 1.5M Australian customers + $65B Bendigo and Adelaide Bank assets + 600+ Australian service outlets including 305 locally owned Community Bank® branches + Australia's 2nd largest regional + 3rd largest national branch network + distinctive Australian Community Bank® network model + 24/7 business banking advice app | ANZ subsidiary post-Jul 2024 ANZ A$4.9B Suncorp Bank acquisition completion + 1.2M Suncorp Bank customers + Jun 2027 ANZ migration target | BoQ + myBOQ + BOQ Classic Mobile + Pocket Banker app | NAB's digital subsidiary + post-Jan 2021 NAB A$220M 86 400 neobank acquisition + 2022 86 400 + UBank merger + 1M+ UBank customers Nov 10 2025 + 220K+ TikTok followers (most followed bank in Australia) + 20% new customers from social media | Macquarie Group's Australian retail + business banking subsidiary + Macquarie Authenticator 1M+ users Jun 2025 + branchless retail banking model + smart budgets + transaction categorization PFM distinctive features |
| Country | AU | AU | AU | AU | AU |
| Distinctive | Nov 9 1858 Adelaide Bank founding + Nov 10 1858 Bendigo Building Society founding; 1995 Bendigo Bank founding (Bendigo Building Society conversion to commercial bank); Nov 30 2007 Bendigo Bank + Adelaide Bank merger → Bendigo and Adelaide Bank; 305 locally owned Community Bank® branches with distinctive profit-sharing model; Aug 2025 10-branch consolidation; 24/7 business banking advice app | 1902 Suncorp Bank founding (Queensland Building Society heritage); 1996 Metway Bank + SUNCORP merger; Jul 18 2022 Suncorp Group A$4.9B Suncorp Bank sale to ANZ announcement; Jul 31 2024 ANZ A$4.9B acquisition completion | 1874 Bank of Queensland founding | 2008 UBank founding by NAB; 2021 NAB A$220M 86 400 neobank acquisition; 2022 86 400 + UBank merger | 1969 Hill Samuel Australia founding; 1981 spun off → Macquarie; 1996 Macquarie Bank Limited Australian banking license; Jun 2025 Macquarie Authenticator 1M+ users |
Status
Active, Australia's 5th-largest bank + distinctive Australian Community Bank® network model [1, 2, 3]:
- Bendigo and Adelaide Bank Limited (ASX: BEN) since Nov 9 1858 Adelaide Bank founding + Nov 10 1858 Bendigo Building Society founding + 1995 Bendigo Bank founding + Nov 30 2007 Bendigo Bank + Adelaide Bank merger → Bendigo and Adelaide Bank.
- 1.5M Australian customers + $65B Bendigo and Adelaide Bank assets + 600+ Australian service outlets including 305 locally owned Community Bank® branches.
- Aug 2025 Bendigo Bank 10-branch consolidation.
- APRA + ASIC regulated.
Sources
- 1 Bendigo Bank — official
- 2 Download our app — Bendigo Bank
- 3 Update on network changes — Bendigo Bank
- au-cro In-corpus:
reports/countries/AU-australia.md
Source
Biography extracted from bendigo-bank.md. See matrix.md for standards-support matrix if present.