The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

17 products · 5 categories · changed 23 Sept 2026

Qudos Bank.

Credit cards 3 Personal loans 2 Home loans 4 Term deposits 1 Savings & transaction accounts 7

Credit cards · 3Compare across banks →

Purchase rate: 12.34%
Cash advance: 12.34%
Annual fee: $0

Purchase rate: 15.85%
Cash advance: 15.85%
Interest-free days: 46

VISA Platinum Credit Card

Purchase rate: 18.99%
Cash advance: 18.99%
Interest-free days: 25

Personal loans · 2Compare across banks →

Variable: 7.29% · 7.50% comparison
Loan size: $10,000 to $150,000
Upfront fee: $150

Variable: 9.49% · 10.53% comparison
Loan size: $5,000 to $25,000
Upfront fee: $150

Home loans · 4Compare across banks →

Construction Home Loan

Max LVR: 90%
Annual fee: $199

Fixed Rate Home Loan

Fixed: 1 yr 6.74% · 2 yrs 6.79% · 3 yrs 6.89% · 4 yrs 6.99% · 5 yrs 6.99%
Max LVR: 90%
Annual fee: $0

Low Cost Value Package

Variable (owner occ. P&I): 6.13% · 6.32% comparison
Variable (investor P&I): 6.29%
Max LVR: 90%

No Frills Home Loan

Variable (owner occ. P&I): 6.13% · 6.13% comparison
Variable (investor P&I): 6.34%
Max LVR: 80%

Term deposits · 1Compare across banks →

Best rate: 5.50% for 12m
12 months: 5.50%
Min deposit: $10,000

Savings & transaction accounts · 7Compare across banks →

Base rate: 0.10%
Bonus rate: 5.00%
Up to: 5.10%

Cash Management Account

Base rate: 3.50%

Base rate: 0.35%
Bonus rate: 4.35%
Up to: 4.70%

General Savings Account

Base rate: 0.00%

Qantas Points Saver

Base rate: 4.25%

Base rate: 2.75%

Retirement Savings Account

Base rate: 3.44%

Published by Qudos Bank under the Consumer Data Right, last changed by them on 23 Sept 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.

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