This is definitely a Bendigo bank scam SMS

Scam Text Message
"Hi, just a quick note to say thank you for being a valued Bendigo Bank customer. Did you know your Mortgage payment of $400.00 is now overdue? Please reply Yes, if you can pay by the 23 Apr, otherwise you may be charged a late payment fee. You can also call us on 1300 993 025. Please note we may report your Repayment History Information on your Credit Report. If so, it will reflect that your account remains overdue."

Text message claiming to be from Bendigo bank. Saying mortgage repayment of $803.00 is overdue. Please pay by 26th feb. Call 1300 993 025. No payment means bad credit history and repayment history

Text message claiming to be from Bendigo bank. Saying mortgage repayment of $803.00 is overdue. Please pay by Jan 17th. Call 1300 993 025. No payment means bad credit history and repayment history

Txt msg from this number, claiming to be Bendigo Bank. Says that credit card payment of $10 is now overdue . Payment to be made by Jan 4. Pleae note we may report your payment history on your credit report if so, it will reflect that your account remains overdue. Contact number is 1300 993 025.