Bendigo Bank gives you several ways to raise a complaint, whether you want a fast phone resolution or prefer written documentation:

• 📞 Phone (Fastest): Call the Customer Feedback Team at 1300 361 911 (Mon–Fri, 8:30am–5pm AEST). They’ll log your complaint, give you a case reference number, and may even resolve it on the spot. From overseas? Call +61 3 5485 7911.
  
  
• 🖥️ Online Feedback Form: Visit Bendigo Bank’s feedback page and click “Provide your feedback online.” Fill in your contact details and describe your issue. You’ll receive confirmation once submitted.
  
  
• 🏦 In Branch: Prefer in person? Visit your local branch. All Bendigo Bank staff are trained to handle complaints and can log your issue directly into the system.
  
  
• 📧 Email: Send your complaint to feedback@bendigoadelaide.com.au. Include your name, contact details, relevant account or transaction info, and what you’d like done. You should get a confirmation and reference number within a few days.
  
  
• ✉️ Mail: Write to Reply Paid 480, Bendigo VIC 3551. No stamp needed in Australia. Include your contact details and clearly explain the issue.
  

All paths lead to Bendigo’s Customer Feedback Team, so choose whichever method suits you best.

Here’s what to expect after lodging your complaint:

• ✅ Acknowledgment & Reference: You’ll receive a case reference number and confirmation of who’s handling your issue, usually within a few days.
  
  
• 🔍 Investigation: Most issues are resolved in 5 business days or less. More complex cases (e.g. fraud or loan disputes) may take longer - up to 30 days, depending on the issue. For financial hardship, the limit is usually 21 days.
  
  
• 📞 Communication: Expect regular updates. The assigned staff member will contact you by phone or email and you can check in using your case number at any time.
  
  
• ✔️ Resolution: Outcomes may include:
  
  
  • Fee refunds or error corrections
    
    
  • Apologies and explanations
    
    
  • Compensation for eligible losses
    
    
  • Escalated reviews for complex issues
    
    

For major or unresolved complaints, you’ll receive a formal Internal Dispute Resolution (IDR) letter that explains the outcome and your right to escalate.

Bendigo customers most often raise these types of complaints:

• 💻 Online Banking & App Problems: Bugs, login issues, or feature limitations on the app frustrate users who need quick access to funds.
  
  
• 💳 Payment & Card Issues: Delays cancelling direct debits, slow card replacements, or failed transactions are common gripes.
  
  
• 📞 Customer Service: While Bendigo's customer service is often praised, some customers report long call wait times, inconsistent branch help, or poor follow-up on loan queries.
  
  
• 💰 Fees & Charges: Unexplained account fees or interest charges (especially ones that should have been waived) can quickly lead to complaints.
  
  
• 🛡️ Scam Handling: Some users feel the bank could respond faster or more supportively when fraud occurs.
  
  
• 🏡 Loan or Account Management Issues: Miscommunication around loan timelines, rate changes, or declined applications can cause major stress, especially near settlement dates.
  
  

Most of these issues are well-known and have established resolution pathways within Bendigo Bank.