The Finance Algorithm
3,575 products · 104 institutions · refreshed nightly

Every bank product, as published.

Australian banks are legally required to publish every product they sell, with its rates, fees and conditions, through the Consumer Data Right. We read all of it every night and lay it out side by side. No bank pays to be here, and nothing is ranked by commission.

Last change by an institution: 23 Sept 2026.

§ 01 — Best published rates today

The sharpest number in each category, open to anyone.

Owner-occupier home loans at 80% LVR with principal and interest repayments. Staff, profession, green and business-only products are excluded.

Lowest variable home loan5.79%Easystreet · STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest)Owner occupied, principal & interest, 80% LVR · 5.80% comparisonLowest 3 year fixed5.84%Border Bank · Customs Value Home LoanOwner occupied, principal & interest, 80% LVR · 6.02% comparisonHighest savings rate5.75%Defence Bank Limited · iSaver0.50% base + 5.25% bonus, conditions applyBest 12 month term deposit5.50%Bank Australia · Term Deposit 12 monthsFrom $500 depositLowest credit card purchase rate7.49%Unity Bank · Low Rate Visa Credit Card$50 annual feeLowest personal loan rate5.67%Liberty Financial · Secured personal loanFixed · 6.10% comparison
§ 02 — Browse by category

Compare across every institution.

Home loans

1,255 · 86 banks

Every residential mortgage Australian banks publish, with rates by purpose, repayment type, fixed term and LVR band.

Savings & transaction accounts

828 · 98 banks

Base and bonus rates with the conditions attached, balance tiers and monthly fees.

Term deposits

604 · 79 banks

Rates by term, deposit size and how often interest is paid.

Credit cards

181 · 56 banks

Purchase, cash advance and balance transfer rates, interest-free days, annual fees and rewards programs.

Personal loans

287 · 69 banks

Fixed and variable rates with comparison rates, loan sizes and fees, including secured car loans.

Business loans

283 · 51 banks

Published business lending rates and fees. Most are priced on application.

Overdrafts

92 · 40 banks

Personal and business overdraft rates and fees.

Trust accounts

23 · 11 banks

Statutory trust accounts for professionals.

Leases

11 · 6 banks

Vehicle and equipment lease products.

Margin loans

6 · 3 banks

Fixed and variable margin lending rates.

Buy now, pay later

2 · 2 banks

Bank-issued instalment products.

Trade finance

2 · 2 banks

Import and export finance facilities.

Travel cards

1 · 1 banks

Prepaid multi-currency travel cards.

§ 03 — Institutions

104 banks, credit unions and lenders.

All institutions →
Bank First logoBank First177 productsDarling Downs Bank logoDarling Downs Bank152 productsGateway Bank logoGateway Bank147 productsGreater Bank Limited logoGreater Bank Limited123 productsPolice Credit Union Ltd logoPolice Credit Union Ltd100 productsCairns bank logoCairns bank90 productsCentral Murray Bank logoCentral Murray Bank86 productsCommBank logoCommBank78 productsBank of China logoBank of China76 productsBCU Bank logoBCU Bank76 productsGreat Southern Bank logoGreat Southern Bank75 productsUnity Bank logoUnity Bank74 productsP&N Bank logoP&N Bank68 productsWestpac logoWestpac64 productsHorizon Bank logoHorizon Bank61 productsCoastline Bank logoCoastline Bank59 productsBankVic logoBankVic56 productsQueensland Country Bank logoQueensland Country Bank55 products
§ 04 — How it works

Read, normalise, compare.

01

Read

Every data holder on the ACCC register is asked for its full product list and each product's detail, every night, from the same public endpoints banks use with each other.

02

Normalise

Rates become percentages, terms become months, LVR bands become 0 to 100, fees come out from under their method type. Each product keeps a headline summary for its category.

03

Compare

Explorers sort by the published number you choose. Withdrawn products stay visible as withdrawn, and each rate or fee that moves is logged with its old and new value.

§ Run the numbers

Calculators that pair with these products

Repayment calculator

What a rate costs per month over the life of the loan.

Borrowing power

How much a bank will lend on your income and expenses.

Term deposit calculator

Interest earned for a deposit, term and rate.

Payoff calculator

Months and interest to clear a balance at a given rate.

§ FAQ

Questions about the data.

Where do these rates come from?

Every Australian bank, credit union and non-bank lender on the ACCC's Consumer Data Right register must publish every product it sells, with its rates, fees and conditions, through a public Product Reference Data API. We read all of them each night and normalise the results into one format.

Are the rates current?

They are exactly what each institution published at the last nightly read, and every page shows the date the institution itself last changed the product. Confirm on the bank's own site before applying, because banks can change rates at any time.

Why is a bank I know missing?

A few institutions on the register only answer requests from inside Australia or have feeds that fail. They keep their last good data if we ever read them, and the institutions page lists how many could not be reached.

What does restricted mean?

Products only some people can take up: staff and profession loans, green loans tied to property criteria, accounts limited by age, and business or SMSF products sitting in a consumer category. Explorers hide them by default and let you include them.

Does The Finance Algorithm earn anything from these listings?

No. There are no commissions, affiliate links or paid placements. Products are ordered by the published number you sort on, nothing else.