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Bank of China

Every product Bank of China publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 5 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
  • Australian credit licence and AFS licence 287322, held by Bank of China (Australia) Limited; credit licence since 16 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetBank of China hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

76 products in 4 categories

  1. Term deposits41
  2. Savings & transaction accounts16
  3. Home loans14
  4. Credit cards5

Bank of China's rates today

Bank of China'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 of China sits among every institution's best

Bank of China 6.18%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateBank of ChinaBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.18%Discount Home Loan (With Principal and Interest Repayment)5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR7.09%Fixed Rate Home Loan (With Principal and Interest Repayment)6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met3.25%Online Saver Statement5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers19.99%Bank of China Global UnionPay Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Bank of China home loan repayments

Repayments at Bank of China's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableDiscount Home Loan (With Principal and Interest Repayment)
    6.18%6.38% comparison
    $3,667a month

    $720,131 in interest, $1,320,131 repaid in all

  2. 1-year fixedFixed Rate Home Loan (With Principal and Interest Repayment)
    6.89%8.63% comparison
    $3,948a month

    $821,132 in interest, $1,421,132 repaid in all

  3. 2-year fixedFixed Rate Home Loan (With Principal and Interest Repayment)
    6.89%8.45% comparison
    $3,948a month

    $821,132 in interest, $1,421,132 repaid in all

  4. 3-year fixedFixed Rate Home Loan (With Principal and Interest Repayment)
    7.09%8.35% comparison
    $4,028a month

    $850,133 in interest, $1,450,133 repaid in all

  5. 5-year fixedFixed Rate Home Loan (With Principal and Interest Repayment)
    7.09%8.11% comparison
    $4,028a month

    $850,133 in interest, $1,450,133 repaid in all

  6. Investor variableDiscount Investment Home Loan (With Principal and Interest Repayment)
    6.38%6.58% comparison
    $3,745a month

    $748,265 in interest, $1,348,265 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 of China's own calculator: confirm the rate with Bank of China before you apply.

Bank of China home loan rates

Compare across banks

14 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.18%, with a comparison rate of 6.38%, on its Discount Home Loan (With Principal and Interest Repayment): 15th lowest of 104 lenders.

Bank of China savings and transaction account rates

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16 products

Its highest savings rate is up to 3.25% (0.00% base plus a 3.25% bonus when its conditions are met), on its Online Saver Statement: 57th highest of 84 institutions, level with one other.

Bank of China term deposit rates

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41 products

Bank of China credit card rates

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5 products

Its lowest credit card purchase rate is 19.99%, on its Bank of China Global UnionPay Card: 46th lowest of 51 card issuers.

Rate changes since 18 Sept 2026How every lender responded

Has Bank of China passed on the RBA's November 2026 rate rise?

Bank of China 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.

  1. Thu 5 Nov

  2. Fri 9 Oct

  3. Fri 25 Sep

  4. Wed 23 Sep

  5. Fri 18 Sep

Published by Bank of China under the Consumer Data Right, last changed by them on 5 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.