Internet Banking


Who is Rural Bank?

Rural Bank is wholly owned by the Bendigo and Adelaide Bank Group, Australia’s leading community banking group.

Rural Bank was founded with the specific purpose of providing banking services to rural and regional Australia at a time when these services were being withdrawn by major banks. This commitment has not changed and we continue to operate entirely within Australia with a focus on the provision of banking services to the agribusiness community.

We are proud of the fact that money deposited with us is reinvested into country Australia in the form of loans to Australian primary producers. When you choose Rural Bank, you can be confident that you are supporting local communities and country Australia while being backed by the security of a successful, well-managed financial institution.

Is Rural Bank still owned by Elders?

No. In 2009, Elders Rural Bank changed its name to Rural Bank Limited. Rural Bank is a division of Bendigo and Adelaide Bank Limited.

How safe is Rural Bank?

Rural Bank is a Division of Bendigo and Adelaide Bank limited, a licensed Authorised Deposit-taking Institution (ADI). The Bank is regulated by the Australia Prudential Regulation Authority (APRA), which sets and enforces standards designed to ensure that ADIs meet their obligations to depositors.

All deposits with Rural Bank are covered by the Australian Government Financial Claims Scheme. For more details, visit  or phone the APRA hotline on 1300 55 88 49.

Is Rural Bank only for farmers?

No, Rural Bank is not just for farmers. We’re here for all Australians who want good value banking that’s simple to use. We have everyday banking, savings, investments, retirement accounts and loans – as well as special products for businesses and community groups. No matter where you are, it’s easy to bank with us.

We’re here for anyone who wants to earn attractive interest, enjoy bank security on investments and obtain easy access to their funds. In fact, most customers of our Online Saver and Term Deposit products are based in metropolitan areas.

When you deposit your money with Rural Bank, you can be confident that you are supporting country Australia while being backed by the security of a successful, well-managed financial institution.

Lending products are however only available to farmers (primary producers). Rural Bank is a specialist agribusiness bank. We offer a range of deposit and lending products that have been specifically designed for primary producers to manage their day-to-day finances and fluctuations in cash flow, as well as providing for capital purchases.

How do I apply?

For further information on Rural Bank’s lending products or to apply, please contact us through one of the following options:

How much can I borrow?

As with all lending applications, the amount you can borrow is determined by how well your application satisfies our lending criteria and credit conditions. Your local Relationship Manager can provide you with information about our lending products and the loan application process.

How do I change my personal contact details?

You can change your personal details by visiting any Rural Bank, Elders Rural Services or Bendigo Bank branch, by calling our customer service centre on 1300 660 115, or emailing us on Please note before we can change your personal details we are required to identify you.

Alternatively, if you have registered for internet banking you can change your fax number and email address online. For instructions on how to do this please refer to the Internet Banking Help section.

How do I find out my account details?

An easy way to find your account number is on your regular bank statements, cheque book or via Internet banking.  You can also call our Customer Service team on 1300 660 115 or email us at Please note, before we can give out your account number, we are required to identify you.

How do I close an account?

You can close an account by contacting our customer service team, your relationship manager or any Bendigo Bank branch .

Before closing your account, please ensure any outstanding cheques have been presented and all periodic payments any direct debits are cancelled.

If the account has a credit balance, you will be asked to provide details of where and how you would like the funds disbursed.

If the account has a debit balance, you will need to pay the amount plus any accrued charges to the bank before closing the account.

For more information about how to close an account:

How do I dispute a transaction on my card?

If you wish to dispute a transaction on your card, you should do this as soon as possible and in accordance with the timeline for your card.

  • Print and complete the Card Transaction Dispute Form (PDF, 124KB)
  • Download, print or scan any documents and receipts 
  • Return the form and documents to us as per instructions on the form
  • We will investigate and let you know once resolved.

How do I find a Branch/ATM?

We believe that local experts in the field are best placed to deliver tailored banking services straight to our customers. We have eliminated the costly overheads of establishing and maintaining branch offices in rural towns, and have partnered with some of Australia’s best known organisations (including Bendigo Bank, Elders Rural Services and Australia Post) to provide access to our products and services in the community and on the farm.

A local Relationship Manager is available in your region to meet with you face to face and discuss your individual banking requirements.

Visit our Locate Us page to find your nearest Rural Bank specialist.

How do I request a statement?

You can request a bank statement by contacting our Customer Service Team. For security and privacy purposes, a statement can only be issued to an email address or postal address that is already registered for you on your account.

Alternatively, you can request a bank statement via Internet Banking. For instructions on how to do this, visit the Internet Banking Help section

What is Rural Bank's BSB?

Rural Bank's BSB is: 633-111

What security measures has Rural Bank put in place to protect my data?

Rural Bank is highly conscious of protecting the security of all customer information. We take extensive steps to ensure the confidentiality of your accounts.

For more information on how we protect your data, visit our Security page.