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Every product BankVic publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 6 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 240293, held by Police Financial Services Limited; credit licence since 18 November 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetBankVic hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

56 products in 5 categories

  1. Home loans29
  2. Term deposits17
  3. Savings & transaction accounts6
  4. Credit cards2
  5. Personal loans2

BankVic's rates today

BankVic'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 BankVic sits among every institution's best

BankVic 6.24%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.

RateBankVicBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.24%Home Loan Special Variable Rate5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.39%Fixed Rate Home Loan - 3 years6.24%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 met0.01%EasyInvest5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.30%Term Deposit 12 Months5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans11.95%Personal Loan Variable5.80%Plenti Personal Loan7.96%of 68 institutions

BankVic home loan repayments

Repayments at BankVic'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. VariableHome Loan Special Variable Rate
    6.24%6.24% comparison
    $3,690a month

    $728,545 in interest, $1,328,545 repaid in all

  2. 1-year fixedFixed Rate Home Loan - 1 year
    6.39%6.40% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 repaid in all

  3. 2-year fixedFixed Rate Home Loan - 2 years
    6.09%6.35% comparison
    $3,632a month

    $707,554 in interest, $1,307,554 repaid in all

  4. 3-year fixedFixed Rate Home Loan - 3 years
    6.39%6.41% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 repaid in all

  5. 5-year fixedFixed Rate Home Loan - 5 years
    6.79%6.59% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  6. Investor variableSpecial Police Investor Variable Rate Home Loan
    6.38%6.38% 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 BankVic's own calculator: confirm the rate with BankVic before you apply.

BankVic home loan rates

Compare across banks

29 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.24%, with a comparison rate of 6.24%, on its Home Loan Special Variable Rate: 25th lowest of 104 lenders, level with 6 others.

BankVic savings and transaction account rates

Compare across banks

6 products

Its highest savings rate is 0.01%, on its EasyInvest: 72nd highest of 84 institutions, level with one other.

BankVic term deposit rates

Compare across banks

17 products

Its highest 12-month term deposit rate is 5.30%, on its Term Deposit 12 Months: 28th highest of 65 institutions, level with 14 others.

RateBankVicBest anywhereTypical institution
3-month term depositBest rate for 3 months4.50%Term Deposit 3 Months5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.25%Term Deposit 6 Months5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.30%Term Deposit 12 Months5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years5.00%Term Deposit 24 Months5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years5.00%Term Deposit 36 Months5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions
5-year term depositBest rate for 5 years4.20%Term Deposit 60 Months5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

BankVic credit card rates

Compare across banks

2 products

BankVic personal loan rates

Compare across banks

2 products

Its lowest advertised personal loan rate is 8.99% fixed, with a comparison rate of 9.12%, on its Car Loan Fixed 1-5 Years: 61st lowest of 69 lenders, level with one other.

Rate changes since 18 Sept 2026How every lender responded

Has BankVic passed on the RBA's November 2026 rate rise?

BankVic 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. Fri 6 Nov

  2. Thu 5 Nov

  3. Tue 13 Oct

  4. Sun 4 Oct

    • BankVic lifted 1 savings rate by 0.25 percentage points.

      0.25

  5. Sat 3 Oct

    • BankVic cut 1 savings rate by 0.25 percentage points.

      0.25

  6. Fri 2 Oct

Published by BankVic under the Consumer Data Right, last changed by them on 6 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.