Business banking rates, as published
Overdrafts, loans, savings accounts, term deposits and credit cards for businesses, from what each bank, credit union and lender publishes under the Consumer Data Right.
Business products are hidden from the consumer explorers, so they're gathered here from 70 institutions, ranked by the published rate alone and refreshed nightly.
Every institution's best business rate, today
As published on 28 October 2026Lowest 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.
Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest business credit card purchase rate anyone can apply for; hover or tap a dot for its name.
The best and the typical business rate
The highest business savings rate is 5.20%, from SCCU's BUSINESS STAR SAVER, while the typical best across 34 institutions is 0.55%.
The highest 12-month business term deposit rate is 5.55%, from AMP Bank GO 12 Month Business Term Deposit, while the typical best across 17 institutions is 5.30%.
The lowest business overdraft rate is 8.24%, from IMB Bank's Commercial Credit line, while the typical best across 12 institutions is 10.06%.
The lowest business loan rate is 6.33%, from SCCU's BUSINESS LOAN, while the typical best across 47 institutions is 7.89%.
The lowest business credit card purchase rate is 6.96%, from Greater Bank's Business Visa Credit Card, while the typical best across 14 institutions is 13.49%.
As of 28 October 2026. Each institution counts once, at its best product, so the typical figure is the middle one: half the institutions do better, half worse.
| Rate | Best anywhere | Typical institution |
|---|---|---|
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 5.20%SCCU's BUSINESS STAR SAVER | 0.55%of 34 institutions |
| Business 12-month term depositBest rate for a 12-month term | 5.55%AMP Bank GO 12 Month Business Term Deposit | 5.30%of 17 institutions |
| Business overdraftLowest advertised rate; most are variable | 8.24%IMB Bank's Commercial Credit line | 10.06%of 12 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
Business savings rates
Every product in the explorerEach institution's highest published rate, highest first. Each institution's best interest-paying business account, base plus any bonus.
| Product | Ratehighest first | Terms |
|---|---|---|
| SCCUBUSINESS STAR SAVER | 5.20% | 1.00% base + 4.20% bonus, conditions applyMonthly fee not published |
| Great Southern Bank Business+Business+ Saver | 5.15% | No bonus conditionsMonthly fee not published |
| MacquarieMacquarie Business Savings Account | 4.40% | No bonus conditionsNo monthly fee |
| RabobankPremiumSaver (Business) | 4.20% | 0.25% base + 3.95% bonus, conditions applyNo monthly fee |
| Queensland Country BankBusiness Online Saver | 3.00% | No bonus conditionsNo monthly fee |
| bankWAWWAW Business Saver | 2.65% | No bonus conditionsMonthly fee not published |
| The Mutual BankInternet Saver Business | 2.50% | No bonus conditionsMonthly fee not published |
| RevolutRevolut Business Instant Access Savings | 2.25% | No bonus conditionsMonthly fee not published |
| Suncorp BankBusiness Saver Account | 2.15% | No bonus conditionsNo monthly fee |
| Judo BankBusiness Savings Account | 2.00% | No bonus conditionsMonthly fee not published |
| Bendigo BankBendigo Business EasySaver | 1.50% | No bonus conditionsMonthly fee not published |
| bcuBusiness iSaver | 1.35% | No bonus conditionsMonthly fee not published |
22 more institutions publish a business savings rate: the explorer lists them all, with every fee and condition.
12-month business term deposit rates
Every product in the explorerEach institution's highest published rate, highest first. Best rate for a 12-month term.
| Product | Ratehighest first | Terms |
|---|---|---|
| AMP Bank GOAMP Bank GO 12 Month Business Term Deposit | 5.55% | From $5,000 |
| Heartland BankBroker Term Deposit - Business | 5.55% | From $5,000 |
| Judo BankBusiness Term Deposits | 5.55% | From $1,000 |
| INGBusiness Term Deposit | 5.45% | From $10,000 |
| Bank of MelbourneBusiness Term Deposit | 5.40% | From $1,000 |
| BankSABusiness Term Deposit | 5.40% | From $1,000 |
| BNK Bank (Goldfields Money/BCHL)Business Term Deposit | 5.40% | From $5,000 |
| CommBankBusiness Investment Account | 5.30% | From $5,000 |
| Defence Bank LimitedBusiness Term Deposit 12 mths | 5.30% | From $2,000 |
| First Option Bank12 MTH FIXED TERM BUSINESS | 5.30% | From $1,000 |
| SCCUBUSINESS TERM DEPOSIT | 5.30% | From $5,000 |
| St. George BankBusiness Term Deposit | 5.30% | From $1,000 |
5 more institutions publish a 12-month business term deposit rate: the explorer lists them all, with every fee and condition.
Business overdraft rates
Every product in the explorerEach institution's lowest published rate, lowest first. Lowest advertised rate; most are variable.
| Product | Ratelowest first | Terms |
|---|---|---|
| IMB BankCommercial Credit line | 8.24% | Variable$1.60 a month |
| WestpacBusiness Overdraft | 8.36% | VariableFees not published |
| SCCUBUSINESS OVERDRAFT | 8.50% | VariableFees not published |
| The CapricornianBusiness Access Overdraft | 9.35% | Variable$100 upfront, $5 a month |
| Great Southern BankBusiness Overdraft (residential secured) | 9.45% | Variable$750 upfront |
| Bank of MelbourneCommercial Overdraft | 10.06% | VariableNo upfront, monthly or annual fee |
| BankSACommercial Overdraft | 10.06% | VariableNo upfront, monthly or annual fee |
| St. George BankCommercial Overdraft | 10.06% | VariableNo upfront, monthly or annual fee |
| SummerlandBusiness Plus Overdraft | 10.54% | Variable$800 upfront, $8 a month |
| NABNAB Business Overdraft | 10.97% | VariableFees not published |
| Arab Bank Australia Ltd ProdBusiness Overdraft | 17.90% | Variable$600 upfront, $6 a month |
| CoastlineBusiness Access | 19.00% | Variable$5 upfront |
Business loan rates
Every product in the explorerEach institution's lowest published rate, lowest first. Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower.
| Product | Ratelowest first | Terms |
|---|---|---|
| SCCUBUSINESS LOAN | 6.33% | VariableFees not published |
| Police Credit Union LimitedCommercial Vehicle Fixed Loan | 6.49% | Fixed$295 upfront |
| Queensland Country BankSpecialised Fixed | 6.49% | Fixed$50 upfront, $450 a year |
| CoastlineBusiness Interest Fixed | 6.59% | Fixed$5 upfront |
| Australian Mutual BankVariable Principal & Interest Commercial Lending | 6.74% | Variable$250 upfront |
| Great Southern Bank Business+Business+ Vehicle Loan | 6.79% | Fixed$595 upfront, $8 a month |
| The Mutual BankBusiness Mortgage Loan | 6.84% | FixedFees not published |
| Beyond Bank AustraliaBusiness Investment Loan | 6.94% | Variable$595 upfront |
| IMB BankFully Drawn Commercial Loan | 6.94% | Variable$30 a month |
| Bank of usSmall, Small Bus Loan | 6.99% | Variable$450 upfront, $10 a month |
| Latitude Personal and Motor LoansLatitude Commercial Asset Loan | 6.99% | Fixed$16.50 a month |
| Great Southern BankCommercial 1 Year Fixed - Residentially Secured IO | 7.09% | Fixed$750 upfront |
35 more institutions publish a business loan rate: the explorer lists them all, with every fee and condition.
Business credit card purchase rates
Every product in the explorerEach institution's lowest published rate, lowest first. Ongoing purchase rate, not introductory offers.
| Product | Ratelowest first | Terms |
|---|---|---|
| Greater BankBusiness Visa Credit Card | 6.96% | $49 annual fee |
| Bank of MelbourneBusiness Vantage | 9.99% | $55 annual fee |
| BankSAVISA Business | 9.99% | $55 annual fee |
| St. George BankBusiness Vantage | 9.99% | $55 annual fee |
| HeritageSecured Business Visa Credit Card | 10.65% | $45 annual fee |
| Newcastle PermanentBusiness Plus Credit Card | 11.99% | $55 annual fee |
| ANZANZ Business Low Rate | 12.99% | $100 annual fee |
| Bendigo BankBusiness Credit Card | 13.99% | Annual fee not published |
| NABNAB Low Rate Business Card | 13.99% | $60 annual fee |
| CoastlineBusiness Access Plus | 14.05% | Annual fee not published |
| Queensland Country BankVisa Business My Rewards | 14.99% | $85 annual fee |
| WestpacAltitude Business Gold | 20.24% | $150 annual fee |
2 more institutions publish a business credit card purchase rate: the explorer lists them all, with every fee and condition.
Questions about business rates
- What is the highest business savings rate in Australia?
- As of 28 October 2026, the highest business savings rate is 5.20%, from SCCU's BUSINESS STAR SAVER, while the typical best across 34 institutions is 0.55%. Each institution's best interest-paying business account, base plus any bonus.
- What is the highest 12-month business term deposit rate in Australia?
- As of 28 October 2026, the highest 12-month business term deposit rate is 5.55%, from AMP Bank GO 12 Month Business Term Deposit, while the typical best across 17 institutions is 5.30%. Best rate for a 12-month term.
- What is the lowest business overdraft rate in Australia?
- As of 28 October 2026, the lowest business overdraft rate is 8.24%, from IMB Bank's Commercial Credit line, while the typical best across 12 institutions is 10.06%. Lowest advertised rate; most are variable.
- What is the lowest business loan rate in Australia?
- As of 28 October 2026, the lowest business loan rate is 6.33%, from SCCU's BUSINESS LOAN, while the typical best across 47 institutions is 7.89%. Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower.
- What is the lowest business credit card purchase rate in Australia?
- As of 28 October 2026, the lowest business credit card purchase rate is 6.96%, from Greater Bank's Business Visa Credit Card, while the typical best across 14 institutions is 13.49%. Ongoing purchase rate, not introductory offers.
- Which products count as business products?
- Overdrafts named for business or commercial customers, every product in the business loan category except carmakers' finance and SMSF loans, and savings accounts, term deposits and credit cards with business or commercial in their name. Products whose rates are only quoted on application are left out, because there is no published rate to compare.