Beyond Bank Australia
Every product Beyond 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. Who shares a cap
- Australian credit licence and AFS licence 237856, held by Beyond Bank Australia Limited; credit licence since 16 September 2010. ASIC register
47 products in 6 categories
Beyond Bank Australia's rates today
Beyond 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 Beyond Bank Australia sits among every institution's best
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
| Rate | Beyond Bank Australia | Best anywhere | Typical institution |
|---|---|---|---|
| Savings accountBase plus any bonus, when its conditions are met | 4.90%Purple Bonus Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.20%INV - 12 Mth Capitalise | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 14.49%Line of Credit | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 12.49%Low Rate Credit Card | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 0.01%Business Transaction Account | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.94%Business Investment Loan | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
Beyond Bank Australia home loan repayments
Repayments at Beyond 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.
- Investor variableInvest Total Home Loan Package6.49%6.84% comparison$3,788a month
$763,847 in interest, $1,363,847 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 Beyond Bank Australia's own calculator: confirm the rate with Beyond Bank Australia before you apply.
Beyond Bank Australia home loan rates
Compare across banks7 products
- Home Buyers Scheme Home Loan
- Variable (owner occ. P&I)
- 6.39%, 6.74% comparison
- Fixed
- 1 yr 6.89%, 2 yrs 6.59%, 3 yrs 6.69%
- Max LVR
- 95%
- Invest Total Home Loan Package
- Variable (investor P&I)
- 6.49%
- Max LVR
- 90%
- Annual fee
- $395
- Purple Basic Vbl Home Loan
- Variable (owner occ. P&I)
- 6.34%, 6.37% comparison
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Purple Basic Vbl Home Loan-Inv
- Variable (investor P&I)
- 6.49%
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Standard Home Loans
- Variable (owner occ. P&I)
- 8.95%, 9.00% comparison
- Fixed
- 1 yr 7.24%, 2 yrs 6.94%, 3 yrs 7.04%, 4 yrs 7.19%, 5 yrs 7.19%
- Max LVR
- 90%
- Standard Investment Home Loans
- Variable (investor P&I)
- 9.24%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
- Total Home Loan Package
- Variable (owner occ. P&I)
- 6.34%, 6.69% comparison
- Fixed
- 1 yr 6.89%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.84%, 5 yrs 6.84%
- Max LVR
- 90%
Beyond Bank Australia savings and transaction account rates
Compare across banks15 products
Its highest savings rate is up to 4.90% (0.01% base plus a 4.89% bonus when its conditions are met), on its Purple Bonus Saver: 35th highest of 84 institutions, level with one other.
- Access Savings Account
- Base rate
- 0.01%
- Bank Guarantee Facility Acct
- Base rate
- 4.20%
- BBA MEC
- Base rate
- 0.00%
- BBA SPC
- Base rate
- 0.00%
- BU Account
- Base rate
- 3.35%
- Business Transaction Account
- Base rate
- 0.01%
- CBB MEC
- Base rate
- 0.00%
- CBB SPC
- Base rate
- 0.00%
- Community Account
- Base rate
- 0.01%
- Community Reward Account
- Base rate
- 3.90%
- monEsaver Internet Account
- Base rate
- 2.40%
- Mortgage Offset Account
- Pricing
- Rates on application
- Purple Bonus Saver
- Base rate
- 0.01%
- Bonus rate
- 4.89%
- Up to
- 4.90%
- Purple Transactor Account
- Base rate
- 0.00%
- Retirement Account
- Base rate
- 1.60%
Beyond Bank Australia term deposit rates
Compare across banks16 products
Its highest 12-month term deposit rate is 5.20%, on its INV - 12 Mth Capitalise: 47th highest of 65 institutions, level with 5 others.
| Rate | Beyond Bank Australia | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.30%INV - 3 Mth Capitalise | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.00%INV - 6 Mth Capitalise | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.20%INV - 12 Mth Capitalise | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 4.60%INV - 24 Mth Trf 12 Mthly | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 3.65%INV - 36 Mth Trf 12 Mthly | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
- Business 10 Mth Special Offer
- Best rate
- 5.45% for 10m
- Min deposit
- $100,000
- INV - 12 Mth Capitalise
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $2,000
- INV - 12 Mth FMD Trf 12 Mthly
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $2,000
- INV - 12 Mth FMD Trf 6 Mthly
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $2,000
- INV - 12 Mth Trf Mthly
- Best rate
- 5.10% for 12m
- 12 months
- 5.10%
- Min deposit
- $2,000
- INV - 24 Mth Trf 12 Mthly
- Best rate
- 4.60% for 24m
- Min deposit
- $2,000
- INV - 24 Mth Trf Mthly
- Best rate
- 4.50% for 24m
- Min deposit
- $2,000
- INV - 3 Mth Capitalise
- Best rate
- 4.30% for 3m
- Min deposit
- $2,000
- INV - 3 Mth FMD Trf 3 Mthly
- Best rate
- 4.30% for 3m
- Min deposit
- $2,000
- INV - 36 Mth Trf 12 Mthly
- Best rate
- 3.65% for 36m
- Min deposit
- $2,000
- INV - 36 Mth Trf Mthly
- Best rate
- 3.55% for 36m
- Min deposit
- $2,000
- INV - 48-60 Mth Trf 12 Mthly
- Best rate
- 3.65% for 48m
- Min deposit
- $2,000
- INV - 6 Mth Capitalise
- Best rate
- 5.00% for 6m
- Min deposit
- $2,000
- INV - 6 Mth FMD Trf 6 Mthly
- Best rate
- 5.00% for 6m
- Min deposit
- $2,000
- INV - 9 Mth Capitalise
- Best rate
- 5.30% for 9m
- Min deposit
- $2,000
- INV - Negotiated Term
- Best rate
- 0.00% for 1d
- Min deposit
- $2,000
Beyond Bank Australia credit card rates
Compare across banks1 product
Its lowest credit card purchase rate is 12.49%, on its Low Rate Credit Card: 25th lowest of 51 card issuers, level with one other.
Beyond Bank Australia personal loan rates
Compare across banks4 products
Its lowest advertised personal loan rate is 7.04% fixed, with a comparison rate of 8.05%, on its Low Rate Car Loan Special: 35th lowest of 69 lenders, level with one other.
- Flexi Car or Personal Loan
- Fixed
- 12.99%, 13.87% comparison
- Loan size
- $5,000 to $140,000
- Upfront fee
- $195
- Line of Credit
- Variable
- 14.49%
- Upfront fee
- $195
- Low Rate Car Loan Special
- Fixed
- 7.04%, 8.05% comparison
- Loan size
- $5,000 to $150,000
- Upfront fee
- $195
- Low Rate Car or Personal Loan
- Fixed
- 8.49%, 9.49% comparison
- Loan size
- $5,000 to $150,000
- Upfront fee
- $195
Beyond Bank Australia business loan rates
Compare across banks4 products
Its lowest advertised business loan rate is 6.94% variable, on its Business Investment Loan: 8th lowest of 49 lenders, level with one other.
- Business Investment Loan
- Fixed
- 7.14%
- Variable
- 6.94%
- Loan size
- $10,000 to $2,000,000
- Business Line of Credit (Sec)
- Variable
- 9.09%
- Loan size
- $10,000 to $2,000,000
- Upfront fee
- $595
- Business Loan
- Fixed
- 7.04%, 8.05% comparison
- Loan size
- $5,000 to $140,000
- Upfront fee
- $35
- Business Overdraft (Unsec)
- Variable
- 12.99%
- Loan size
- $5,000 to $10,000
- Upfront fee
- $35
Has Beyond Bank Australia passed on the RBA's November 2026 rate rise?
Beyond 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.
Tue 13 Oct
Beyond Bank Australia lifted 5 variable home loan rates by 0.25 percentage points.
0.25- Home Buyers Scheme Home Loan (2 rates)
- Standard Home Loans (1 rate)
- Standard Investment Home Loans (2 rates)
Beyond Bank Australia lifted 18 savings rates by 0.15 to 0.50 percentage points.
0.15 to 0.50- Community Account (5 rates)
- Retirement Account (4 rates)
- monEsaver Internet Account (3 rates)
- Purple Bonus Saver (1 rate)
- Community Reward Account (3 rates)
- BU Account (1 rate)
- Bank Guarantee Facility Acct (1 rate)
Beyond Bank Australia lifted 1 credit card purchase rate by 0.50 percentage points.
0.50
Wed 7 Oct
Beyond Bank Australia lifted 14 fixed home loan rates by 0.10 to 0.20 percentage points.
0.10 to 0.20- Home Buyers Scheme Home Loan (2 rates)
- Standard Home Loans (4 rates)
- Invest Total Home Loan Package (2 rates)
- Standard Investment Home Loans (6 rates)
Beyond Bank Australia lifted 3 personal loan rates by 0.25 to 0.50 percentage points.
0.25 to 0.50- Low Rate Car Loan Special (1 rate)
- Flexi Car or Personal Loan (1 rate)
- Low Rate Car or Personal Loan (1 rate)
Tue 29 Sep
Beyond Bank Australia lifted 3 fixed home loan rates by 0.60 percentage points.
0.60- Home Buyers Scheme Home Loan (1 rate)
- Standard Home Loans (1 rate)
- Standard Investment Home Loans (1 rate)
Beyond Bank Australia lifted 11 term deposit rates by 0.15 to 1.60 percentage points.
0.15 to 1.60- INV - 9 Mth Capitalise (3 rates)
- INV - 12 Mth Capitalise (2 rates)
- INV - 12 Mth Trf Mthly (2 rates)
- INV - 12 Mth FMD Trf 6 Mthly (2 rates)
- INV - 12 Mth FMD Trf 12 Mthly (2 rates)
Published by Beyond 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.