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Bendigo Bank is one of Australia's largest regional banks, with a history spanning over 160 years. It offers a full range of banking services including current and savings accounts, mortgage and personal loans, credit cards, insurance, investment products, and business solutions. The bank is also actively investing in digital solutions, including a mobile app, online banking, and the innovative Up Bank project targeted at younger generations.

While the product and service offering is extensive, some customers mention slow application processing and complex identification procedures, especially when opening accounts online. Users also point out that service quality can vary depending on the specific branch.


Despite the general trust in Bendigo Bank as a reputable financial institution, a few points are worth considering:

• Inconsistent service quality: On platforms like ProductReview, users report varying levels of customer service across different regions.
• Limited branch availability: Unlike major national banks, Bendigo Bank's physical presence may be limited in some areas of Australia.
• Some complaints about slow support: Customers report long response times, especially for email inquiries.
• Website navigation: Although visually appealing, some users feel the website is cluttered and poorly structured.

These issues may not be critical, but they can affect overall impressions when choosing a banking partner.


Bendigo and Adelaide Bank is a fully licensed financial institution, regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC). It is part of the official deposit guarantee scheme, which protects customer deposits up to AUD $250,000. The bank publishes financial statements, annual reports, and corporate governance data on its official website, indicating a high level of transparency and regulatory compliance.


Customer reviews on platforms such as ProductReview.com.au are mixed. Some users praise friendly staff, flexible loan terms, and the bank's involvement in local communities. The Community Bank initiative, which supports local causes, is particularly well-received.

However, there are also complaints about technical issues, identification difficulties, and slow customer service. Some users express frustration over delayed transaction processing or account closures.

• "They've got great in-branch service, but online support is a disaster. Waited days for a reply."
• "Been a customer for 5 years. Love the honesty and simplicity, but the mobile app could be better."

Overall, the experience with the bank largely depends on the communication channels and specific user situations.


Bendigo Bank has built a reputation as a reliable, regulated financial institution with a strong presence in the Australian market. Its community-oriented approach and solid financial performance are commendable. However, as with any bank, it's not without flaws: customers report delays, technical issues, and service inefficiencies.

If you're looking for a bank with a stable model, social responsibility, and a broad range of services, Bendigo Bank is a solid choice. Still, it's wise to review the terms, compare options, and test the service with smaller transactions before making larger financial commitments.

If you've had any experience—positive or negative—with this bank and want to inform others, please contact us at admin@forum2.pl