Waiting on a
Bendigo Bank
refund? Let’s make sure you get it.

We’ll break down the
Bendigo Bank
refund policy, help you understand your rights and take action if something's wrong.

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Edited by:
Ajust Content Team
Last updated:
July 22, 2025
AI-sourced. Human-edited. Made clear for you.

Can you get a refund from
Bendigo Bank
? Check eligibility first

Bendigo Bank offers refunds in a range of situations, provided eligibility criteria are met:

  • 🧾 Bank Errors & Fee Mistakes – If Bendigo charged you the wrong fee or made a mistake, they’ll refund the error plus interest. These are often handled via their Customer Remediation program.

  • 🔐 Unauthorised Transactions – Fraudulent charges that you didn’t approve (e.g. card stolen or account hacked) can be refunded under the ePayments Code. Report promptly to be eligible.

  • 💳 Disputed Transactions (Chargebacks) – Didn’t receive your goods or were charged incorrectly? You can dispute card payments under Visa/Mastercard rules (usually within 120 days).

  • 🏦 Direct Debit Errors – Debits taken without your consent or above agreed amounts are refundable under the Direct Debit Guarantee.

  • 🛡 Product Cooling-Off/Cancellations – Recently signed up for insurance or financial products? You may cancel within the cooling-off period (often 14 days) and request a full refund.

🛑 Exclusions:

  • If you approved the payment (even if scammed into it), Bendigo may deem it “authorised.”

  • Delayed disputes (beyond 45–60 days) may be ineligible.

  • Some fees are non-refundable unless charged in error or the service wasn’t provided.

How to get a refund from
Bendigo Bank

Here’s how to get your refund sorted, step-by-step:

  1. 📞 Report the Issue Immediately

    • Call: 1300 236 344, option 2 > 6 for fraud/disputes (24/7).

    • Visit a Branch: Speak to staff directly.

    • Secure Message: Log in via theapp or online banking.

  2. 📝 Fill Out the Necessary Forms

    • For card disputes, complete the Card Transaction Dispute Form (available online).

    • For remediation refunds, use the Alternate Account Nomination Form if your Bendigo account is closed.

  3. 📎 Provide Supporting Information

    • For fraud: transaction details, how/when it occurred.

    • For merchant disputes: proof of contact, invoices, screenshots.

    • For fee errors: account statements showing the issue.

  4. 🔐 Verify Your Identity (Remediation Cases)
    If required, complete secure ID verification online or in-branch.

  5. 📨 Receive Confirmation & Refund

    • For current customers: refund goes to your account.

    • For ex-customers: funds are transferred to your nominated account.

  6. 🚨 Escalate if Needed

Bendigo Bank
’s refund timeframe - how long it takes

  • 💳 Card Disputes (Chargebacks) – Up to 45 days, but some fraud cases are refunded provisionally within 1–2 weeks.

  • 💼 Bank or Fee Errors – Often resolved within 2–5 business days, especially for obvious issues.

  • 🔁 Remediation Refunds – Paid within 15 business days after you submit required info.

  • 📆 Delays Possible:

    • Waiting for you to submit a form

    • Internal investigations

    • Non-business days (weekends/holidays)

Tip: Keep communication lines open and follow up if you haven’t heard back by the expected timeframe.

Bendigo Bank
’s refund methods - how you'll get your money back

  • 🏦 Direct Deposit – Refunds go straight to your Bendigo account or your nominated bank account if you’ve switched.

  • 💳 Credit Card Reversal – If refunding a card transaction, the refund goes back to the credit card account.

  • 📃 Cheque (Fallback) – If you don’t claim a refund within the required time, Bendigo may issue a cheque or send it to unclaimed money registers.

  • 💰 In-Branch (Rare) – Very small or same-day refunds might be credited immediately or given in cash when closing an account.

  • 💵 Refund + Interest – Remediation payments often include compensatory interest (e.g. $105.30 refunded for a $100 error).

📌 Reminder: Bendigo will never ask for your PIN or full online banking login details to process a refund.

Common refund issues with
Bendigo Bank

Here’s what can complicate or derail a refund:

  • 🔐 OTP Scam Losses – If you approved a transaction using your login or a one-time passcode, Bendigo may deny the refund (deemed “authorised”).

  • ❌ Missed Remediation Notices – If you moved or changed contact details, you might miss refund notices. Check if you're eligible.

  • ⏳ Processing Delays – Some customers report long response times on dispute forms. Follow up with Bendigo via phone or branch if needed.

  • 💸 Fee Eligibility Confusion – You might’ve been on the wrong account type for years. If so, ask for a refund of those fees (especially if you hold a concession card).

  • 🚫 Chargeback Denials – If the merchant provides strong evidence (e.g. delivery confirmation), your dispute may be rejected.

  • 💳 ATM or Foreign Fees – Not automatically refunded, but many customers get one-off refunds if they ask politely.

Real
Bendigo Bank
 cases submitted through Ajust

Real
Bendigo Bank
 refund cases – what worked for other customers

Pensioner Fee Refund – After an ASIC review, a customer was refunded 3 years’ worth of account fees plus interest. The money just appeared in her account - “I feel acknowledged.”

Fast Fraud Refund – A skimmed card was caught quickly by Bendigo’s monitoring team. The charges were reversed and the customer was reimbursed within days.

Scam Denial – A customer tricked into approving a fraudulent transaction was denied a refund. He was told using the OTP meant he “authorised” it. He escalated to AFCA after a 5-month wait.

How
Bendigo Bank
 Refund Policy Compares to Competitors

Bendigo Bank

  • Offers 24/7 fraud assistance.

  • Will refund fees where appropriate.

  • Provides full chargeback support.

  • In-person help is available at branches.

  • Has a strong remediation track record, including proactive refunds highlighted by ASIC.

  • ✅ A strong all-rounder for consumers who value ethical handling and support options.

Commonwealth Bank (CBA)

  • Provides 24/7 fraud support.

  • Fee refunds are available.

  • Chargeback support is included.

  • Full in-branch support is offered.

  • Remediation record is mixed. Some consumers report delays, especially on fee-related issues.

ING

  • 24/7 fraud help is available, but only by phone.

  • Does not offer standard fee refunds (N/A).

  • Chargeback support is available.

  • No in-branch service. It's fully digital.

  • Remediation is less relevant as ING starts with lower fees, reducing the need for refunds.

NAB, Westpac, and ANZ

  • All offer 24/7 fraud help.

  • Fee refunds are available.

  • Chargeback support is offered across the board.

  • You can get in-branch help if needed.

  • Remediation track records are mixed—results vary by case and location.

Bendigo Bank stands out for offering both digital and branch support, a strong remediation reputation, and a history of doing the right thing - especially when prompted. It’s a solid choice for consumers who want backup across all touchpoints.

Bendigo Bank
Refund FAQs

You deserve your money back, don’t let it slip away.

Take two minutes to file a formal

Bendigo Bank

refund request that gets seen.