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QBANK

Every product QBANK publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 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 241413, held by Qpcu Limited; credit licence since 9 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetQBANK hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

30 products in 6 categories

  1. Savings & transaction accounts9
  2. Term deposits8
  3. Home loans7
  4. Overdrafts3
  5. Personal loans2
  6. Credit cards1

QBANK's rates today

QBANK'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 QBANK sits among every institution's best

QBANK 6.34%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.

RateQBANKBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.34%Classic Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.49%3 Year Fixed Home Loan6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
12-month term depositBest rate for a 12-month term5.45%Term Deposit 12 Month5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans6.74%Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions

QBANK home loan repayments

Repayments at QBANK'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. VariableClassic Home Loan
    6.34%6.36% comparison
    $3,729a month

    $742,618 in interest, $1,342,618 repaid in all

  2. 1-year fixed1 Year Fixed Home Loan
    6.54%8.16% comparison
    $3,808a month

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

  3. 2-year fixed2 Year Fixed Home Loan
    6.49%7.97% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

  4. 3-year fixed3 Year Fixed Home Loan
    6.49%7.80% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

  5. 5-year fixed5 Year Fixed Home Loan
    6.64%7.59% comparison
    $3,848a month

    $785,215 in interest, $1,385,215 repaid in all

  6. Investor variableClassic Home Loan
    6.59%6.66% 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 QBANK's own calculator: confirm the rate with QBANK before you apply.

QBANK home loan rates

Compare across banks

7 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.36%, on its Classic Home Loan: 39th lowest of 104 lenders, level with 10 others.

QBANK savings and transaction account rates

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9 products

QBANK term deposit rates

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8 products

Its highest 12-month term deposit rate is 5.45%, on its Term Deposit 12 Month: 9th highest of 65 institutions, level with one other.

RateQBANKBest anywhereTypical institution
3-month term depositBest rate for 3 months5.00%Term Deposit 3 Month5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.30%Term Deposit 6 Month5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.45%Term Deposit 12 Month5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years4.90%Term Deposit 24 Month5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years4.25%Term Deposit 36 Month5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions
5-year term depositBest rate for 5 years4.25%Term Deposit 60 Month5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

QBANK credit card rates

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1 product

QBANK personal loan rates

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2 products

Its lowest advertised personal loan rate is 6.74% variable, with a comparison rate of 7.37%, on its Personal Loan: 25th lowest of 69 lenders, level with one other.

QBANK overdraft rates

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3 products

Its lowest advertised overdraft rate is 8.54% variable, on its Classic Plus Overdraft $250,000.00 and Above: 5th lowest of 23 lenders.

Rate changes since 18 Sept 2026How every lender responded

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

QBANK hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

  1. Tue 20 Oct

  2. Fri 16 Oct

  3. Thu 15 Oct

  4. Thu 8 Oct

  5. Thu 1 Oct

    • QBANK lifted 1 savings rate by 0.25 percentage points.

      0.25

  6. Mon 28 Sep

Withdrawn recently

  • Teen On CallAccount, withdrawn 7 Nov 2026
  • Term Deposit 18 MonthTerm deposit, withdrawn 27 Oct 2026

Published by QBANK under the Consumer Data Right, last changed by them on 7 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.