The Finance Algorithm
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Every product Dnister publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 16 Oct 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 240673, held by Dnister Ukrainian Credit Co-operative Limited; credit licence since 4 November 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetDnister hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

33 products in 5 categories

  1. Term deposits14
  2. Savings & transaction accounts9
  3. Home loans6
  4. Personal loans2
  5. Overdrafts2

Dnister's rates today

Dnister'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 Dnister sits among every institution's best

Dnister Bank 6.54%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.

RateDnisterBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.54%Simple Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.51%Premier HL Fixed Interest Rate6.24%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 met5.25%Max Saver5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.55%Term Deposit - 12 Months5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans8.02%Premier Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions

Dnister home loan repayments

Repayments at Dnister'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. VariableSimple Home Loan
    6.54%6.93% comparison
    $3,808a month

    $770,954 in interest, $1,370,954 repaid in all

  2. 1-year fixedPremier HL Fixed Interest Rate
    6.41%6.76% comparison
    $3,757a month

    $752,507 in interest, $1,352,507 repaid in all

  3. 2-year fixedPremier HL Fixed Interest Rate
    6.42%6.73% comparison
    $3,761a month

    $753,923 in interest, $1,353,923 repaid in all

  4. 3-year fixedPremier HL Fixed Interest Rate
    6.51%6.73% comparison
    $3,796a month

    $766,688 in interest, $1,366,688 repaid in all

  5. 5-year fixedPremier HL Fixed Interest Rate
    6.59%6.74% comparison
    $3,828a month

    $778,077 in interest, $1,378,077 repaid in all

  6. Investor variablePremier Home Loan
    6.90%6.99% comparison
    $3,952a month

    $822,576 in interest, $1,422,576 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 Dnister's own calculator: confirm the rate with Dnister before you apply.

Dnister home loan rates

Compare across banks

6 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.54%, with a comparison rate of 6.93%, on its Simple Home Loan: 70th lowest of 104 lenders, level with 4 others.

Dnister savings and transaction account rates

Compare across banks

9 products

Its highest savings rate is up to 5.25% (0.05% base plus a 5.20% bonus when its conditions are met), on its Max Saver: 24th highest of 84 institutions, level with 4 others.

Dnister term deposit rates

Compare across banks

14 products

Its highest 12-month term deposit rate is 5.55%, on its Term Deposit - 12 Months: 6th highest of 65 institutions.

RateDnisterBest anywhereTypical institution
3-month term depositBest rate for 3 months5.10%Term Deposit - 3 Months5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.30%Term Deposit - 6 Months5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.55%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

Dnister personal loan rates

Compare across banks

2 products

Its lowest advertised personal loan rate is 8.02% variable, with a comparison rate of 8.70%, on its Premier Personal Loan: 55th lowest of 69 lenders.

Dnister overdraft rates

Compare across banks

2 products

Rate changes since 18 Sept 2026How every lender responded

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

Dnister 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 16 Oct

  2. Thu 8 Oct

Published by Dnister under the Consumer Data Right, last changed by them on 16 Oct 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.