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For the long term

With you for the long term

As an agricultural specialist, we understand it is critical to provide you with the dedicated support you need to manage through uncertainty over an extended period.

The effect of COVID-19 (coronavirus) has impacted the lives of all Australians and the global economy. And at the same time, we recognise that much of regional Australia is managing the impact of drought and/or recent bushfire activity.

Natural disasters, unfavourable climatic conditions, unpredictable commodity markets and the day-to-day challenges of life on the land can lead to financial hardship, both at a business and personal level.

If you are a Rural Bank client experiencing debt related stress, we want to help. If you require assistance, you'll find more about our disaster and hardship assistance measures here. We encourage you to contact your relationship manager to discuss options available to you. You can also call the Rural Bank customer support team on 1300 660 115.

Australian communities are certainly facing a series of unique challenges, and as an essential service, we’ll continue to support you throughout the COVID-19 pandemic. We hope these Frequently Asked Questions help to answer some questions you may have.

General FAQs

No, there is no change to online banking transactions or payments – they are still being processed within the same timeframe as they always have.

As an agricultural specialist, we understand it is critical to provide you with dedicated and practical support to manage your business through uncertainty over an extended period. From repayment deferrals to fee waivers, we have a range of options available to you if you need financial assistance for your business during this uncertain time.

Visit our Assistance measures page for details.

As an essential service, bank branches and ATMs remain open. Some ATMs may not be accessible depending on their location (those within malls that may have closed or have altered trading hours).

For customers who bank through Bendigo Bank or Community Bank branches, please check the operating hours for your local branch as these may have changed.

For those who bank via Elders, please check the Elders website for details.

Yes, Australia Post outlets remain open for customers to use for their daily banking. Please check the Australia Post website for post office closures.

You can access your accounts, check your balance, pay bills, and perform everyday transactions 24 hours a day via Rural Bank internet banking or the Rural Bank app*.

If you have a smart phone, download the Rural Bank app from the Apple Store (iPhone) or Google Play (Android).

For more help about Internet Banking view our Internet Banking page. Registering for Internet and Phone Banking is easy - simply phone 1300 651 839 between 8.00 am and 8.00 pm (EST) weekdays and 10.00 am to 4.00 pm (EST) on weekends.

*Normal transaction cut-off times apply.

Yes. For our bank, it’s business as usual: our branches remain open and our staff remain dedicated to providing you with the products you want, the technology you expect, and the service you deserve.

Under the Financial Claims Scheme (FCS), there is a cap of $250,000, guaranteed per person. This is the same for all Australian banks.

Visit our Financial Claims Scheme page for more information.

Yes. The Australian Payments Network has temporarily increased the limit for Tap & Go™ transactions that require a PIN from $100 to $200, reducing people’s need to physically touch payment terminals.

This change applies to Rural Bank Visa Debit cards, but no action is required from you.

Retailers are rolling out the changes gradually so you can be guided by the PIN-pad prompts when making purchases.

Please remember to keep your card safe at all times.

To find out more, visit our banking in person page.

Business FAQs

As an agricultural specialist, we understand it is critical to provide you with dedicated and practical support to manage your business through uncertainty over an extended period. From repayment deferrals to fee waivers, we have a range of options available to you if you need financial assistance for your business during this uncertain time.

Visit our Assistance measures page for details.

The banking industry has been working with the Australian Banking Association and Government to develop a common approach to hardship assistance for small businesses, including farming businesses, in light of the COVID-19 situation. As an agricultural specialist, we understand it is critical to provide you with dedicated and practical support to manage your business through uncertainty over an extended period.

The Small Business Relief Package (COVID-19) allows you to:

  • self-assess the impact of the COVID-19 pandemic on your business; and
  • if you believe you are financially impacted by the pandemic, request to defer repayments (where applicable) on your agribusiness finance facilities for up to 6 months (the deferment period).

This option is available for term loan, seasonal overdraft and equipment finance facilities. Account management fees will also be removed during the deferment period. Rural Bank will fast track processing of COVID-19 assistance packages, to ensure you receive support as soon as possible.

If you require assistance, we encourage you to contact your relationship manager to discuss options available to you. You can also call the Rural Bank customer support team on 1300 660 115.

Simply provide an email, or handwritten document, requesting support under the Small Business Relief Package (COVID-19) to your Relationship Manager at Rural Bank as early as possible.

It is important for you to obtain independent legal and/or financial advice, prior to requesting support under the Small Business Relief Package.

A deferral of your repayment(s) on your finance facility means those payments that would normally be payable over the deferment period (up to 6 months). Prior to the end of the deferral period, your Agribusiness Relationship Manager will contact you to discuss the suitable repayment options available. These options will include increasing the limit of your facility and extending the term or repaying the deferred repayments.

You will need to self-assess whether your business has been adversely impacted, and to what degree. Once this is determined, we will not require further verification.

Yes, it applies to all current small business operators.

Yes, for existing customers we encourage you to speak with your relationship manager on how we can support you and ongoing access to working capital.

In addition, you may have access to the Bendigo Business Support Loan. If you would like to find out more about the Bendigo Business Support Loan, you can speak with your Rural Bank Agribusiness Relationship Manager or enquire here.

Visiting our branches

As an essential service, our offices remain open, as do Bendigo Bank and Elders branches. However, where possible, please use ATMs, Internet Banking, the Rural Bank app or Phone Banking services.

The safety of our customers and our staff is our number one priority, so we are taking precautionary measures. When you visit our sites, we ask that you please do not enter our branch if:

  • You have returned from overseas within the last 14 days;
  • You have knowingly been in contact with someone who has been diagnosed with Coronavirus (COVID-19) or has returned from overseas within the last 14 days; or
  • You are displaying flu-like symptoms.

Should you require assistance with your banking, contact our customer service team on 1300 660 115.

If you have any health concerns or think you may have been exposed to Coronavirus (COVID-19), we urge you to contact your doctor immediately to arrange an appointment or contact the Coronavirus Health Information Line on 1800 020 080 (24 hours a day, seven days a week).

The health, safety and wellbeing of our customers, staff and community is very important and we thank you for your cooperation. Further information and key contacts for wider support and assistance measures can be found in our supports contact document.

Information about COVID-19

For information on how to keep yourself safe online visit Stay Smart Online website.

If you think you've been scammed, call us on 1300 660 115 immediately.

Get in touch

Call our customer service team
Contact your local Relationship Manager
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Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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