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Our history

Rural Bank was founded in 2000 as a partnership between Bendigo Bank and Elders Ltd. Originally known as Elders Rural Bank, it delivered much needed specialist banking services to rural and regional Australia at a time when key banking services were being removed by the major banks.

In August 2009, Elders Rural Bank Limited changed its name to Rural Bank Limited and, in December 2010, Rural Bank became a fully owned subsidiary of the Bendigo and Adelaide Bank Group. A distribution agreement between Rural Bank and Elders saw the Elders Agri Finance team selling Rural Bank products. 

In March 2019, the Elders Agri Finance team members formally joined the Rural Bank team as employees of Rural Bank, along with an updated distribution agreement – cementing a long and successful working partnership. Since 31 May 2019, Rural Bank has operated as a Division of Bendigo and Adelaide Bank Group.

Throughout these years our business model has expanded but not changed. Rural Bank’s products and services are now available at more than 400 locations nationally via a network of banking partners and our own agribusiness lending specialists based in rural and regional centres across the country.

The future for agriculture is bright and we are proud to support the Australian agribusiness community through local support and collaboration with industry organisations. We aim to provide exceptional financial services, knowledge and leadership for Australian farmers to grow.