Bank Australia
Every product Bank Australia publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 4 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Qudos Bank under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 238431, held by Bank Australia Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
50 products in 6 categories
Bank Australia's rates today
Bank Australia's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Bank Australia sits among every institution's best
| Rate | Bank Australia | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.39%Basic Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.89%Basic Home Loan Fixed | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.35%Bonus Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.60%Term Deposit 12 months | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 9.49%Lifestyle Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 12.34%Low Rate Visa Credit Card | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
Bank Australia home loan repayments
Repayments at Bank Australia's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableBasic Home Loan6.39%6.39% comparison$3,749a month
$749,679 in interest, $1,349,679 repaid in all
- 1-year fixedBasic Home Loan Fixed6.74%6.43% comparison$3,888a month
$799,536 in interest, $1,399,536 repaid in all
- 2-year fixedBasic Home Loan Fixed6.79%6.47% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- 3-year fixedBasic Home Loan Fixed6.89%6.54% comparison$3,948a month
$821,132 in interest, $1,421,132 repaid in all
- 5-year fixedBasic Home Loan Fixed6.99%6.66% comparison$3,988a month
$835,603 in interest, $1,435,603 repaid in all
- Investor variableBasic Investment Loan6.59%6.59% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Bank Australia's own calculator: confirm the rate with Bank Australia before you apply.
Bank Australia home loan rates
Compare across banks17 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.39%, with a comparison rate of 6.39%, on its Basic Home Loan: 54th lowest of 104 lenders, level with 5 others.
- Basic Home Loan
- Variable (owner occ. P&I)
- 6.38%, 6.38% comparison
- Max LVR
- 95%
- Annual fee
- $0
- Basic Home Loan Fixed
- Fixed
- 1 yr 6.74%, 2 yrs 6.79%, 3 yrs 6.89%, 5 yrs 6.99%
- Max LVR
- 95%
- Annual fee
- $0
- Basic Investment Loan
- Variable (investor P&I)
- 6.59%
- Max LVR
- 90%
- Annual fee
- $0
- Basic Investment Loan Fixed
- Max LVR
- 90%
- Annual fee
- $0
- Features
- extra repayments
- Basic Investment Loan Fixed IO
- Max LVR
- 90%
- Annual fee
- $0
- Features
- extra repayments
- Basic Investment Loan IO
- Max LVR
- 90%
- Annual fee
- $0
- Features
- extra repayments
- Bridging Loan
- Variable (owner occ. P&I)
- 8.35%, 8.40% comparison
- Variable (investor P&I)
- 8.35%
- Max LVR
- 75%
- Clean Energy Home Loan
- Variable (owner occ. P&I)
- 6.13%, 6.46% comparison
- Max LVR
- 90%
- Annual fee
- $189
- Clean Energy Home Loan Fixed
- Fixed
- 3 yrs 6.59%
- Max LVR
- 90%
- Annual fee
- $189
- Clean Energy Investment Fixed
- Max LVR
- 90%
- Annual fee
- $189
- Features
- offset, extra repayments
- Clean Energy Investment Loan
- Variable (investor P&I)
- 6.29%
- Max LVR
- 90%
- Annual fee
- $189
- Offset Home Loan
- Variable (owner occ. P&I)
- 6.38%, 6.57% comparison
- Max LVR
- 95%
- Annual fee
- $189
- Offset Home Loan Fixed
- Fixed
- 1 yr 6.74%, 2 yrs 6.79%, 3 yrs 6.89%, 5 yrs 6.99%
- Max LVR
- 95%
- Annual fee
- $189
- Offset Investment Loan
- Variable (investor P&I)
- 6.49%
- Max LVR
- 90%
- Annual fee
- $189
- Offset Investment Loan Fixed
- Max LVR
- 90%
- Annual fee
- $189
- Features
- offset, extra repayments
- Offset Investment Loan Fixed IO
- Max LVR
- 90%
- Annual fee
- $189
- Features
- offset, extra repayments
- Offset Investment Loan IO
- Max LVR
- 90%
- Annual fee
- $189
- Features
- offset, extra repayments
Bank Australia savings and transaction account rates
Compare across banks12 products
Its highest savings rate is up to 5.35% (0.10% base plus a 5.25% bonus when its conditions are met), on its Bonus Saver: 13th highest of 84 institutions, level with 7 others.
- Basic Access
- Base rate
- 0.00%
- Monthly fee
- $0
- Bonus Saver
- Base rate
- 0.10%
- Bonus rate
- 5.25%
- Up to
- 5.35%
- Christmas Saver
- Base rate
- 2.25%
- Monthly fee
- $0
- Commercial Access
- Base rate
- 0.00%
- Monthly fee
- $8
- Commercial Saver
- Base rate
- 0.00%
- Monthly fee
- $0
- Community Access
- Base rate
- 0.00%
- Monthly fee
- $0
- Everyday Access
- Base rate
- 0.00%
- Monthly fee
- $0
- Mortgage Offset
- Pricing
- Rates on application
- Monthly fee
- $0
- Mortgage Offset - Fixed
- Pricing
- Rates on application
- Monthly fee
- $0
- mySaver
- Base rate
- 0.10%
- Bonus rate
- 5.25%
- Up to
- 5.35%
- Online Saver
- Base rate
- 3.00%
- Monthly fee
- $0
- Pension Access
- Base rate
- 0.75%
- Monthly fee
- $0
Bank Australia term deposit rates
Compare across banks14 products
Its highest 12-month term deposit rate is 5.60%, on its Term Deposit 12 months: 4th highest of 65 institutions, level with one other.
| Rate | Bank Australia | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 5.20%Term Deposit 3 months | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.40%Impact Term Deposit 6 months | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.60%Term Deposit 12 months | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.40%Term Deposit 24 months | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 5.40%Term Deposit 36 months | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
- Impact Term Deposit 6 months
- Best rate
- 5.40% for 6m
- Min deposit
- $500
- Monthly Term Deposit 12 months
- Best rate
- 5.50% for 12m
- 12 months
- 5.50%
- Min deposit
- $500
- Monthly Term Deposit 18 months
- Best rate
- 3.45% for 18m
- Min deposit
- $500
- Monthly Term Deposit 24 months
- Best rate
- 5.30% for 24m
- Min deposit
- $500
- Monthly Term Deposit 36 months
- Best rate
- 5.30% for 36m
- Min deposit
- $500
- Monthly Term Deposit 6 months
- Best rate
- 5.30% for 6m
- Min deposit
- $500
- Term Deposit 12 months
- Best rate
- 5.60% for 12m
- 12 months
- 5.60%
- Min deposit
- $500
- Term Deposit 18 months
- Best rate
- 3.55% for 18m
- Min deposit
- $500
- Term Deposit 24 months
- Best rate
- 5.40% for 24m
- Min deposit
- $500
- Term Deposit 3 months
- Best rate
- 5.20% for 3m
- Min deposit
- $500
- Term Deposit 36 months
- Best rate
- 5.40% for 36m
- Min deposit
- $500
- Term Deposit 6 months
- Best rate
- 5.40% for 6m
- Min deposit
- $500
- Term Deposit 9 months
- Best rate
- 5.30% for 9m
- Min deposit
- $500
- Term Deposit NegotiatedPriced on application
- Pricing
- Rates on application
- Min deposit
- $500
Bank Australia credit card rates
Compare across banks3 products
Its lowest credit card purchase rate is 12.34%, on its Low Rate Visa Credit Card: 23rd lowest of 51 card issuers, level with one other.
Bank Australia personal loan rates
Compare across banks3 products
Its lowest advertised personal loan rate is 6.29% fixed, with a comparison rate of 6.29%, on its Fixed Car Loan: 14th lowest of 69 lenders, level with 2 others.
Bank Australia business loan rates
Compare across banks1 product
Has Bank Australia passed on the RBA's November 2026 rate rise?
Bank Australia hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Wed 4 Nov
Bank Australia lifted 8 term deposit rates by 0.10 percentage points.
0.10- Term Deposit 6 months (2 rates)
- Monthly Term Deposit 6 months (2 rates)
- Impact Term Deposit 6 months (2 rates)
- Term Deposit 3 months (2 rates)
Mon 2 Nov
Bank Australia cut 1 credit card purchase rate by 0.65 percentage points.
0.65Bank Australia lifted 1 credit card purchase rate by 0.75 percentage points.
0.75
Wed 28 Oct
Bank Australia lifted 2 term deposit rates by 0.10 percentage points.
0.10
Fri 16 Oct
Bank Australia lifted 27 variable home loan rates by 0.25 percentage points.
0.25- Offset Investment Loan (4 rates)
- Offset Home Loan (5 rates)
- Basic Investment Loan IO (4 rates)
- Bridging Loan (1 rate)
- Offset Investment Loan IO (4 rates)
- Basic Investment Loan (4 rates)
- Basic Home Loan (5 rates)
Bank Australia lifted 14 savings rates by 0.25 percentage points.
0.25- Pension Access (2 rates)
- Commercial Saver (1 rate)
- Bonus Saver (3 rates)
- Online Saver (3 rates)
- mySaver (2 rates)
- Community Access (3 rates)
Wed 23 Sep
Bank Australia lifted 12 term deposit rates by 0.05 to 0.40 percentage points.
0.05 to 0.40- Term Deposit 9 months (2 rates)
- Monthly Term Deposit 24 months (2 rates)
- Term Deposit 36 months (2 rates)
- Term Deposit 3 months (2 rates)
- Monthly Term Deposit 36 months (2 rates)
- Term Deposit 24 months (2 rates)
Sat 19 Sep
Bank Australia lifted 100 fixed home loan rates by 0.40 percentage points.
0.40- Offset Investment Loan Fixed (16 rates)
- Basic Investment Loan Fixed IO (14 rates)
- Basic Home Loan Fixed (20 rates)
- Offset Investment Loan Fixed IO (14 rates)
- Basic Investment Loan Fixed (16 rates)
- Offset Home Loan Fixed (20 rates)
Published by Bank Australia under the Consumer Data Right, last changed by them on 4 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.