---
title: "Bendigo Concession Account — Bendigo Bank"
description: "Transaction & Savings Accounts from Bendigo Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bendigo-bank/products/b712bbfe-6bd8-4490-b83c-4c5461ea3b0c
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T01:59:41.572Z
---

# Bendigo Concession Account — Bendigo Bank

> Transaction & Savings Accounts from Bendigo Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

This easy to use transaction account is for customers with an eligible Commonwealth Government concession card.  Designed for everyday banking with free e-banking transactions, 24 hour ATM and EFTPOS access via your choice of card.

## At a glance

- **Base rate:** 0%

## Apply

Applications are handled by the provider: [Apply at Bendigo Bank](https://www.bendigobank.com.au/personal/transaction-accounts/concession-account/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | — | yearly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| International ATM Withdrawal  — Payable whenever you make a cash withdrawal outside of Australia at a non-Bendigo Bank ATM (in addition to the Cash Advance Fee). Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the withdrawal is completed. | Transaction | $5.00 |
| International Transaction Fee — 3% of the Transaction amount (in AUD) payable for each Transaction which is conducted in a currency other than Australian dollars (AUD) or in Australian dollars (AUD) but with or using a merchant, payment processor, financial institution or other entity (including an online merchant) who is outside of Australia. | Transaction | 3% of transaction |
| Bank Cheque Withdrawal | Transaction | $0.00 |
| EFT Credit Transfer | Transaction | $0.00 |
| Periodical Payment to Other Financial Institution | Transaction | $0.00 |
| Bank@Post Withdrawal | Transaction | $0.00 |
| Bank@Post Deposit | Transaction | $0.00 |
| Bank@Post balance enquiry | Transaction | $0.00 |
| Monthly Service Fee — Charged monthly | Ongoing | $0.00 |
| Staff Assisted Transaction In Branch Fee | Transaction | $0.00 |
| EFTPOS Withdrawal | Transaction | $0.00 |
| Bendigo Bank ATM Withdrawal | Transaction | $0.00 |
| Bendigo Bank ATM Transfer | Transaction | $0.00 |

## Features

- **Unlimited transactions**
- **Digital banking**
- **Real-time payments (NPP)**
- **Card access** — A card is available for the product to access funds

## Eligibility

- **Pension recipients** — - This product is available to retail clients who:  - currently hold a Health Care Card, Pensioner Concession Card, Commonwealth Seniors Health Card or Department of Veterans' Affairs (DVA) Health Card (Gold card or Repatriation Health Card)  - or are otherwise deemed to be eligible by Bendigo Bank  - and they ensure any Australian Government payments (where applicable) are paid consistently into the account  Note: Customers who no longer meet the eligibility requirements may be converted to a Bendigo Everyday Account. (Note: Customers who no longer meet the eligibility requirements may be converted to a Bendigo Everyday Account.)
- **Individuals only** — Must be a natural person
- **Residency status** — You need to be an Australian citizen or resident

## More information from Bendigo Bank

- [Overview](https://www.bendigobank.com.au/personal/transaction-accounts/concession-account/)
- [Terms & conditions](https://www.bendigobank.com.au/disclosure-documents/)
- [Eligibility](https://www.bendigobank.com.au/disclosure-documents/)
- [Fees & pricing](https://www.bendigobank.com.au/disclosure-documents/)

## Data provenance

- Published by Bendigo Bank under the Consumer Data Right
- Product ID: `b712bbfe-6bd8-4490-b83c-4c5461ea3b0c`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bendigo-bank/b712bbfe-6bd8-4490-b83c-4c5461ea3b0c
- Provider page: https://www.cdrcompare.au/brands/bendigo-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000115

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bendigo-bank/products/b712bbfe-6bd8-4490-b83c-4c5461ea3b0c) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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