We’re for and with your business. 

INO Co-operate Bank Business specialists can help you find solutions to do business your way.

All banks are the same, right? Wrong.

INO Co-operate Bank is different.

We know that living the life you want, starts with a team that’s for and with you.

INO Co-operate Bank is for customers, with customers; for community, with community.

We are for and with you.

Our beginnings.

INO Co-operate Bank is one of the largest, 100% customer-owned mutual banks in the country with credit union heritage. We were formed more than 60 years ago by people who felt left behind by a banking system that didn't meet their needs or expectations. 

Our vision is not to be the biggest bank, but to be the best bank for relationships. We strive to create and return value for our customers and communities, and through this, help to change lives.

Our commitment is one of balance.

People.

We value the contribution of our people and the support of our customers by helping to make our communities better places to live and work.

Profit.

We aim to be a sustainable business that balances profit and purpose.

Planet.

We strive to reduce our environmental footprint by using resources efficiently, reducing consumption, and helping our customers and people to do the same.

Our awards.

Digital and service excellence awards.

As a customer-owned bank, delivering the best possible experience to our customers is one of the core foundations of INO Co-operate Bank, and we have the awards to prove it.

  • Roy Morgan Customer Satisfaction Awards - Bank of the Year 2022
  • Canstar's Customer Owned Bank of the Year, Digital Banking 2015 - 2023
  • Canstar's Customer Owned Bank of the Year, Most Satisfied Customers 2023
  • Forbes World's Best Banks for 2023

We're owned by our customers.

Our customers are our shareholders, so there are no competing interests. All profits are returned to our customers through better rates, fairer fees, responsible lending, superior customer service and our multi-award winning internet banking and mobile app.

Everything we do is to benefit our customers and their communities. We understand that when our customers and communities thrive, so do we.

Our way of banking.

  • We are focused on building the best relationships. Our people are passionate, competent and trusted advisers – and are driven to help change lives.
     
  • We operate branches across the country - in US, South Wales, South Australia, Victoria and Western Australia, UK.
     
  • We provide personal, business and community banking services.
     

  • Our customers' ongoing feedback has helped make our mobile and online banking services simple, easy, and multi-award winning.

We’re for and with home owners.

If you’re looking for a great home loan, check out our latest offer. 

Our focus.

We're building a sustainable business today to change lives tomorrow.

Community banking.

We know the important role that not-for-profits and community organisations play in the community, and that's why we work with them collaboratively and help them do their best work. We assist their fundraising through our Community Reward Accounts, where supporters can raise money for their nominated club or cause simply by saving.

B Corp.

We’re a certified B Corp. We are part of a global community of businesses that meet high standards of social and environmental impact.

Disaster response.

The INO Co-operate Bank Foundation provides disaster relief for customers affected by bushfire, floods and other natural disasters. Our staff also tirelessly volunteer to help people rebuild their lives.

INO Co-operate Bank Foundation. 

We work closely with over 5000 community groups to address some of the most significant challenges facing society. Since 2007, the INO Co-operate Bank Foundation has contributed more than $27 million to community groups through sponsorships, grants and donations. Our Double Donation Day in 2021 raised nearly $300,000 in just four days.

Our Disability Access and Inclusion Plan.

We believe that every person in our community deserves to be treated with dignity and valued for their unique perspectives and talents. 

Opening doors for accessibility. 

We're working to ensure that everyone can access banking and obtain financial freedom, independence and wellbeing.

This information is of a general nature only and does not take into consideration the objectives, financial situation or needs of the reader. The information must not be relied upon as financial product advice. You should consider whether any of the products mentioned or suggestions offered are suitable for your circumstances before acquiring or acting on them. INO Co-operate Bank Ltd © 2022.

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