Qudos Bank
Every product Qudos Bank 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, one cap shared with Bank Australia under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 238431, held by Bank Australia Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
17 products in 5 categories
Qudos Bank's rates today
Qudos Bank'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 Qudos Bank sits among every institution's best
| Rate | Qudos Bank | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.39%No Frills Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.89%Fixed Rate Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.35%Bonus Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.60%Term Deposits | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 9.49%Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 12.34%Lifestyle | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
Qudos Bank home loan repayments
Repayments at Qudos Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableNo Frills Home Loan6.39%6.39% comparison$3,749a month
$749,679 in interest, $1,349,679 repaid in all
- 1-year fixedFixed Rate Home Loan6.74%6.43% comparison$3,888a month
$799,536 in interest, $1,399,536 repaid in all
- 2-year fixedFixed Rate Home Loan6.79%6.47% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- 3-year fixedFixed Rate Home Loan6.89%6.53% comparison$3,948a month
$821,132 in interest, $1,421,132 repaid in all
- 5-year fixedFixed Rate Home Loan6.99%6.66% comparison$3,988a month
$835,603 in interest, $1,435,603 repaid in all
- Investor variableNo Frills Home Loan6.59%6.59% 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 Qudos Bank's own calculator: confirm the rate with Qudos Bank before you apply.
Qudos Bank home loan rates
Compare across banks4 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.39%, with a comparison rate of 6.39%, on its No Frills Home Loan: 54th lowest of 104 lenders, level with 5 others.
- Construction Home Loan
- Max LVR
- 90%
- Annual fee
- $0
- 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)
- 6.38%, 6.56% comparison
- Variable (investor P&I)
- 6.54%
- Max LVR
- 90%
- No Frills Home Loan
- Variable (owner occ. P&I)
- 6.38%, 6.38% comparison
- Variable (investor P&I)
- 6.59%
- Max LVR
- 80%
Qudos Bank savings and transaction account rates
Compare across banks7 products
Its highest savings rate is up to 5.35% (0.10% base plus a 5.25% bonus when its conditions are met), on its Bonus Saver: 13th highest of 84 institutions, level with 7 others.
Qudos Bank term deposit rates
Compare across banks1 product
Its highest 12-month term deposit rate is 5.60%, on its Term Deposits: 4th highest of 65 institutions, level with one other.
| Rate | Qudos Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 5.20%Term Deposits | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.40%Term Deposits | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.60%Term Deposits | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.40%Term Deposits | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 5.40%Term Deposits | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
Qudos Bank credit card rates
Compare across banks3 products
Its lowest credit card purchase rate is 12.34%, on its Lifestyle: 23rd lowest of 51 card issuers, level with one other.
Qudos Bank personal loan rates
Compare across banks2 products
Its lowest advertised personal loan rate is 7.29% variable, with a comparison rate of 7.50%, on its Car Loan: 40th lowest of 69 lenders.
Has Qudos Bank passed on the RBA's November 2026 rate rise?
Qudos Bank 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.
Wed 4 Nov
Qudos Bank lifted 3 term deposit rates by 0.10 percentage points.
0.10
Mon 2 Nov
Qudos Bank lifted 1 credit card purchase rate by 2.00 percentage points.
2.00
Wed 28 Oct
Qudos Bank lifted 2 term deposit rates by 0.10 percentage points.
0.10
Fri 16 Oct
Qudos Bank lifted 24 variable home loan rates by 0.25 percentage points.
0.25- Construction Home Loan (4 rates)
- Low Cost Value Package (12 rates)
- No Frills Home Loan (8 rates)
Qudos Bank lifted 9 savings rates by 0.25 percentage points.
0.25- Qsaver (3 rates)
- Bonus Saver (3 rates)
- DIY Super (1 rate)
- Qantas Points Saver (1 rate)
- Cash Management Account (1 rate)
Wed 23 Sep
Qudos Bank lifted 6 term deposit rates by 0.05 to 0.40 percentage points.
0.05 to 0.40
Sat 19 Sep
Qudos Bank lifted 40 fixed home loan rates by 0.40 percentage points.
0.40
Published by Qudos Bank 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.