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Customer owned responsible banking is how we do business.

As a customer owned bank we see the business of banking a little differently. We believe that banking can create mutual prosperity - for our customers, the communities they live in, and the planet we all live on. Some of the ways we do this are:

Our business model

As a customer owned bank we can put profits back into providing competitive rates and fees. Not having external shareholders means we prioritise the long term best interest of our customers who also own the bank.

Our lending and investment is guided by our Responsible Lending and Investment Policy. This includes our commitment that we will not make any loans to the fossil fuel industry. We also invest in projects that benefit the community - such as our loans to community housing projects.

Our operations

We have been carbon neutral since 2011. We are committed to diversity and providing opportunities for young people such as our traineeships and internships which create opportunities for people from indigenous, asylum seeker and regional backgrounds.

We are also committed to keeping jobs in Australia. Our National Lending Centre and Contact Centre are located in regional Victoria. 

Our products

The Bank Australia Conservation Reserve is used to offset the environmental impact of our car loans and some home loans. We protect an equivalent amount of land in our Conservation Reserve to offset each new home construction we finance, and plant trees to help offset the carbon emissions created from car loans.

We are also the first bank in Australia to have its full range of deposit and home lending products certified by the Responsible Investment Association of Australasia (RIAA) as ‘Responsible’ investments. Find out more about the certification

Our Impact Fund

The Bank Australia Impact Fund distributes 4% of our after-tax profits each year to projects that create measurable outcomes to social and environmental issues important to Bank Australia customers. Our cornerstone project is the Bank Australia Conservation Reserve - a 954 hectare property in Victoria's Wimmera region that provides a home for endangered native species.

We are also supporting a range of smaller projects through our Small Investments initiative

Our customers

We have been providing banking services to the education and community sector since our inception in 1957. We're proud to support the work they do to strengthen our communities. 

We only use real Bank Australia customers in our advertising campaigns. 

Our public commitments

The bank is a signatory to the UN Global Compact, and is a member of the Global Alliance for Banking on Values. We also have a Reconciliation Action Plan and are developing a Disability Action Plan and Financial Inclusion Action Plan

Our sponsorships

We are proud to support the independent arts through our partnership Melbourne Fringe Festival and the Human Rights and Arts Film Festival. We also partner with sustainability initiatives such as Sustainable House Day and Climarte


Read more about our commitments to people, planet and prosperity.

16 Jul 2015

21 Jul 2017

21 Jul 2017

21 Jul 2017