The Finance Algorithm

Who's passed on the RBA's rate rise?

The Reserve Bank lifted the cash rate 0.25 percentage points to 4.60% from 30 Sept 2026. We read every lender's published rates each night, so this shows what each one has actually done, not what its press release says.

Find your lenderWhat it costs you

How lenders answered the 30 Sept 2026 rise

Updated 28 Oct 2026 from 96 lenders

71of 79 have moved their published variable home loan rates; 54 passed the rise on in full.

  1. All lenders79 lenders
    54138
    Passed on in full: 54. Passed on in part: 3. Some rates moved: 13. Cut rates: 1. No change yet: 8.
  2. Big four4 lenders
    22
    Passed on in full: 2. Some rates moved: 2.
  3. Other banks and credit unions75 lenders
    52118
    Passed on in full: 52. Passed on in part: 3. Some rates moved: 11. Cut rates: 1. No change yet: 8.
Passed on in fullPassed on in partSome rates movedCut ratesNo change yet

Savings: 47 of 89 lenders have lifted a savings rate. A lender has passed the rise on when at least half its published variable rates have moved and the typical move is the full 0.25 points.

Show the figures
Lenders by how they passed on the 30 Sept 2026 rise
LendersPassed on in fullPassed on in partSome rates movedCut ratesNo change yet
All lenders5431318
Big four20200
Other banks and credit unions5231118

The cash rate since 2020

4.60%after a 0.25 rise on 30 Sept 2026

The next decision is on Tuesday 3 November 2026, at 2.30 pm Sydney time. Every recent decision

The big four: CommBank, Westpac, NAB and ANZ

They hold most of the country's mortgages. Lenders usually announce a change first and switch their published rates on the day it takes effect, often a week or two after the RBA. These cards change on that day.

CommBank logoCommBank
Passed on in full
Variable home loansup 0.25 on 46 of 46
Savings
up 0.25 on 15
Fixed home loans
No change
Westpac logoWestpac
Some rates moved
Variable home loansup 0.25 on 9 of 47
Savings
up 0.25 on 3
Fixed home loans
No change
NAB logoNAB
Some rates moved
Variable home loansup 0.25 on 5 of 37
Savings
up 0.20 on 3
Fixed home loans
up 0.25 on 40 of 140
ANZ logoANZ
Passed on in full
Variable home loansup 0.25 on 32 of 32
Savings
up 0.25 on 3
Fixed home loans
up 0.25 on 30 of 99

Every lender: 96 banks, credit unions and lenders, as they publish

Each column shows the typical move since 30 Sept 2026, in percentage points, and how many published rates moved. Only products any applicant can take up are counted. Pick a lender for its full history.

  • Central Murray Bank logoCentral Murray Bank
    Passed on in fullup 0.25 on 11 of 11 rates, from 1 Oct
    Savings
    No change
    Fixed
    0.256 of 6 rates on 1 Oct
    Term deposits
    0.25116 rates, 10 to 11 Oct
  • Laboratories Credit Union logoLaboratories Credit Union
    Passed on in fullup 0.25 on 10 of 14 rates, from 2 Oct
    Savings
    0.354 rates on 2 Oct
    Fixed
    0.25 to 0.456 of 6 rates on 2 Oct
    Term deposits
    0.256 rates on 2 Oct
  • BOQ Specialist logoBOQ Specialist
    Passed on in fullup 0.25 on 12 of 12 rates, from 3 Oct
    Savings
    0.252 rates on 10 Oct
    Fixed
    Not offered
    Term deposits
    No change
  • Virgin Money logoVirgin Money
    Passed on in fullup 0.25 on 144 of 144 rates, from 4 Oct
    Savings
    No change
    Fixed
    0.05 to 1.00204 of 240 rates on 4 Oct
    Term deposits
    Not offered
  • Unity Bank logoUnity Bank
    Passed on in fullup 0.25 on 19 of 19 rates, from 6 Oct
    Savings
    No change
    Fixed
    0.05 to 0.3520 of 20 rates, 6 to 16 Oct
    Term deposits
    0.15 to 1.7033 rates on 8 Oct
  • Judo Bank logoJudo Bank
    Passed on in fullup 0.25 on 4 of 4 rates, from 7 Oct
    Savings
    0.252 rates on 9 Oct
    Fixed
    -0.08 to +0.0120 of 20 rates, 1 to 24 Oct
    Term deposits
    0.1010 rates on 16 Oct
  • Bendigo Bank logoBendigo Bank
    Passed on in fullup 0.25 on 56 of 56 rates, from 7 Oct
    Savings
    0.251 rate on 19 Oct
    Fixed
    0.05 to 0.25150 of 150 rates on 5 Oct
    Term deposits
    -0.90 to +1.704 rates on 16 Oct
  • Orange Credit Union logoOrange Credit Union
    Passed on in fullup 0.25 on 21 of 21 rates, from 7 Oct
    Savings
    No change
    Fixed
    No change
    Term deposits
    No change
  • Up logoUp
    Passed on in fullup 0.25 on 1 of 2 rates, from 8 Oct
    Savings
    0.251 rate on 8 Oct
    Fixed
    0.05 to 0.255 of 10 rates on 5 Oct
    Term deposits
    Not offered
  • Northern Inland Credit Union logoNorthern Inland Credit Union
    Passed on in fullup 0.25 on 7 of 9 rates, from 8 Oct
    Savings
    No change
    Fixed
    No change
    Term deposits
    No change
  • Woolworths Team Bank logoWoolworths Team Bank
    Passed on in fullup 0.25 on 8 of 13 rates, from 8 Oct
    Savings
    No change
    Fixed
    0.30 to 0.459 of 9 rates on 8 Oct
    Term deposits
    No change
  • CommBank logoCommBankBig four
    Passed on in fullup 0.25 on 46 of 46 rates, from 9 Oct
    Savings
    0.10 to 0.2515 rates on 9 Oct
    Fixed
    No change
    Term deposits
    No change
  • ING logoING
    Passed on in fullup 0.25 on 40 of 40 rates, from 9 Oct
    Savings
    0.256 rates on 9 Oct
    Fixed
    No change
    Term deposits
    No change
  • UBank logoUBank
    Passed on in fullup 0.25 on 29 of 29 rates, from 9 Oct
    Savings
    0.15 to 0.256 rates, 6 to 10 Oct
    Fixed
    No change
    Term deposits
    Not offered
  • The Capricornian logoThe Capricornian
    Passed on in fullup 0.25 on 10 of 12 rates, from 9 Oct
    Savings
    0.10 to 0.255 rates on 9 Oct
    Fixed
    No change
    Term deposits
    No change
  • Newcastle Permanent logoNewcastle Permanent
    Passed on in fullup 0.25 on 24 of 24 rates, from 9 Oct
    Savings
    0.20 to 0.254 rates on 9 Oct
    Fixed
    No change
    Term deposits
    0.102 rates on 26 Oct
  • ANZ logoANZBig four
    Passed on in fullup 0.25 on 32 of 32 rates, from 9 Oct
    Savings
    0.253 rates, 9 to 23 Oct
    Fixed
    0.20 to 0.2530 of 99 rates on 9 Oct
    Term deposits
    No change
  • Credit Union SA logoCredit Union SA
    Passed on in fullup 0.25 on 23 of 23 rates, from 9 Oct
    Savings
    0.25 to 0.402 rates, 14 to 23 Oct
    Fixed
    0.25 to 0.5030 of 30 rates on 9 Oct
    Term deposits
    0.25 to 0.302 rates on 14 Oct
  • People First and Heritage Bank logoPeople First and Heritage Bank
    Passed on in fullup 0.25 on 32 of 32 rates, from 9 Oct
    Savings
    0.25 to 0.402 rates on 1 Oct
    Fixed
    No change
    Term deposits
    No change
  • Greater Bank logoGreater Bank
    Passed on in fullup 0.25 on 16 of 16 rates, from 9 Oct
    Savings
    0.251 rate on 9 Oct
    Fixed
    No change
    Term deposits
    0.104 rates on 26 Oct
  • AFG Home Loans Alpha logoAFG Home Loans Alpha
    Passed on in fullup 0.25 on 31 of 31 rates, from 9 Oct
    Savings
    No change
    Fixed
    0.05 to 0.2565 of 65 rates on 5 Oct
    Term deposits
    Not offered
  • Aussie Elevate logoAussie Elevate
    Passed on in fullup 0.25 on 31 of 31 rates, from 9 Oct
    Savings
    No change
    Fixed
    0.05 to 0.2565 of 65 rates, 5 to 9 Oct
    Term deposits
    Not offered
  • Connective Select logoConnective Select
    Passed on in fullup 0.25 on 31 of 31 rates, from 9 Oct
    Savings
    No change
    Fixed
    0.05 to 0.2565 of 65 rates, 5 to 9 Oct
    Term deposits
    Not offered
  • IMB Bank logoIMB Bank
    Passed on in fullup 0.25 on 30 of 34 rates, from 9 Oct
    Savings
    Not offered
    Fixed
    0.25 to 0.3018 of 18 rates on 2 Oct
    Term deposits
    Not offered
  • NRMA Home Loans logoNRMA Home Loans
    Passed on in fullup 0.25 on 37 of 37 rates, from 9 Oct
    Savings
    No change
    Fixed
    0.05 to 0.2565 of 65 rates on 5 Oct
    Term deposits
    Not offered
  • Qantas Money Basic/Offset Home Loans logoQantas Money Basic/Offset Home Loans
    Passed on in fullup 0.25 on 37 of 37 rates, from 9 Oct
    Savings
    No change
    Fixed
    0.05 to 0.2565 of 65 rates on 5 Oct
    Term deposits
    Not offered
  • Tiimely Home logoTiimely Home
    Passed on in fullup 0.25 on 37 of 37 rates, from 9 Oct
    Savings
    No change
    Fixed
    0.05 to 0.2565 of 65 rates on 5 Oct
    Term deposits
    Not offered
  • UniBank logoUniBank
    Passed on in fullup 0.25 on 42 of 46 rates, from 9 Oct
    Savings
    No change
    Fixed
    No change
    Term deposits
    0.10 to 0.50162 rates, 8 to 9 Oct
  • Liberty Financial logoLiberty Financial
    Passed on in fullup 0.25 on 11 of 12 rates, from 10 Oct
    Savings
    Not offered
    Fixed
    Not offered
    Term deposits
    Not offered
  • Police Credit Union logoPolice Credit Union
    Passed on in fullup 0.25 on 16 of 16 rates, from 10 Oct
    Savings
    No change
    Fixed
    No change
    Term deposits
    No change
  • bankWAW logobankWAW
    Passed on in fullup 0.25 on 6 of 6 rates, from 12 Oct
    Savings
    No change
    Fixed
    0.2520 of 20 rates, 12 to 13 Oct
    Term deposits
    0.10 to 0.2020 rates, 13 to 28 Oct
  • TMCU logoTMCU
    Passed on in fullup 0.25 on 10 of 13 rates, from 12 Oct
    Savings
    No change
    Fixed
    0.256 of 6 rates on 12 Oct
    Term deposits
    0.254 rates on 12 Oct
  • Horizon Bank logoHorizon Bank
    Passed on in fullup 0.25 on 8 of 9 rates, from 13 Oct
    Savings
    0.254 rates, 13 to 28 Oct
    Fixed
    0.1030 of 30 rates on 8 Oct
    Term deposits
    0.10 to 0.205 rates on 7 Oct
  • BankVic logoBankVic
    Passed on in fullup 0.25 on 24 of 24 rates, from 13 Oct
    Savings
    0.251 rate, 2 to 4 Oct
    Fixed
    0.10 to 0.306 of 15 rates on 13 Oct
    Term deposits
    No change
  • RACQ Bank logoRACQ Bank
    Passed on in fullup 0.25 on 33 of 33 rates, from 13 Oct
    Savings
    0.251 rate on 13 Oct
    Fixed
    No change
    Term deposits
    No change
  • Arab Bank Australia logoArab Bank Australia
    Passed on in fullup 0.25 on 9 of 9 rates, from 13 Oct
    Savings
    No change
    Fixed
    0.3510 of 10 rates on 15 Oct
    Term deposits
    No change
  • BCU Bank logoBCU Bank
    Passed on in fullup 0.25 on 10 of 14 rates, from 14 Oct
    Savings
    0.251 rate on 21 Oct
    Fixed
    0.22 to 0.258 of 20 rates on 1 Oct
    Term deposits
    -0.10 to +0.306 rates on 7 Oct
  • P&N Bank logoP&N Bank
    Passed on in fullup 0.25 on 17 of 29 rates, from 14 Oct
    Savings
    0.251 rate on 21 Oct
    Fixed
    0.22 to 0.2515 of 39 rates on 1 Oct
    Term deposits
    -0.20 to +0.302 rates on 7 Oct
  • Darling Downs Bank logoDarling Downs Bank
    Passed on in fullup 0.25 on 21 of 21 rates, from 15 Oct
    Savings
    0.10 to 0.1519 rates, 6 to 14 Oct
    Fixed
    0.2524 of 24 rates on 3 Oct
    Term deposits
    0.2056 rates on 7 Oct
  • Queensland Country Bank logoQueensland Country Bank
    Passed on in fullup 0.25 on 13 of 13 rates, from 15 Oct
    Savings
    0.2010 rates on 15 Oct
    Fixed
    0.15 to 0.2020 of 28 rates on 1 Oct
    Term deposits
    0.052 rates on 8 Oct
  • Macquarie Bank logoMacquarie Bank
    Passed on in fullup 0.25 on 30 of 30 rates, from 15 Oct
    Savings
    0.05 to 1.856 rates on 15 Oct
    Fixed
    No change
    Term deposits
    No change
  • Border Bank logoBorder Bank
    Passed on in fullup 0.25 on 30 of 30 rates, from 15 Oct
    Savings
    0.254 rates on 15 Oct
    Fixed
    0.2516 of 112 rates on 2 Oct
    Term deposits
    No change
  • Police Bank logoPolice Bank
    Passed on in fullup 0.25 on 15 of 15 rates, from 15 Oct
    Savings
    0.254 rates on 15 Oct
    Fixed
    0.258 of 56 rates on 2 Oct
    Term deposits
    No change
  • Hume Bank logoHume Bank
    Passed on in fullup 0.25 on 33 of 33 rates, from 15 Oct
    Savings
    0.251 rate on 2 Oct
    Fixed
    No change
    Term deposits
    Not offered
  • Australian Military Bank logoAustralian Military Bank
    Passed on in fullup 0.25 on 27 of 27 rates, from 15 Oct
    Savings
    No change
    Fixed
    No change
    Term deposits
    -0.35 to +1.8013 rates on 21 Oct
  • QBANK logoQBANK
    Passed on in fullup 0.25 on 21 of 23 rates, from 15 Oct
    Savings
    Not offered
    Fixed
    0.1010 of 12 rates on 15 Oct
    Term deposits
    0.10112 rates on 8 Oct
  • Qudos Bank logoQudos Bank
    Passed on in fullup 0.25 on 24 of 24 rates, from 16 Oct
    Savings
    0.258 rates on 16 Oct
    Fixed
    No change
    Term deposits
    0.102 rates on 28 Oct
  • Bank Australia logoBank Australia
    Passed on in fullup 0.25 on 27 of 27 rates, from 16 Oct
    Savings
    0.256 rates on 16 Oct
    Fixed
    No change
    Term deposits
    0.102 rates on 28 Oct
  • Coastline Bank logoCoastline Bank
    Passed on in fullup 0.25 on 17 of 17 rates, from 16 Oct
    Savings
    No change
    Fixed
    0.21 to 0.2518 of 18 rates on 16 Oct
    Term deposits
    0.10 to 0.256 rates on 16 Oct
  • Bank First logoBank First
    Passed on in fullup 0.25 on 57 of 57 rates, from 17 Oct
    Savings
    0.257 rates on 17 Oct
    Fixed
    0.3580 of 80 rates, 8 to 9 Oct
    Term deposits
    No change

How long lenders took to pass on the September 2026 rise

The RBA announced the rise on 29 Sept 2026. The median lender of the 70 that have moved so far published its new variable rates 10 days later, and the fastest, Central Murray Bank, after 2 days. Among the big four, ANZ, CommBank and Westpac after 10 days and NAB after 11.

Days from the announcement to each lender's new rates

Big fourEvery other lender that moved, 70 in all

Days after the RBA's announcement on 29 Sept 2026. Hover or tap a dot for the lender.

Within a week
6 lenders

Central Murray Bank 2, Laboratories Credit Union 3, AMP - My AMP 4, BOQ Specialist 4, Virgin Money 5, Unity Bank 7

8 to 10 days
30 lenders

Bendigo Bank 8, Great Southern Bank 8, Judo Bank 8, Orange Credit Union 8, Dnister 9, Northern Inland Credit Union 9, Up 9, Woolworths Team Bank 9, AFG Home Loans Alpha 10, ANZ 10, Aussie Elevate 10, Bank of China 10, Bank of Melbourne 10, BankSA 10, CommBank 10, Connective Select 10, Credit Union SA 10, Greater Bank 10, IMB Bank 10, ING 10, Newcastle Permanent 10, NRMA Home Loans 10, People First and Heritage Bank 10, Qantas Money Basic/Offset Home Loans 10, St.George Bank 10, The Capricornian 10, Tiimely Home 10, UBank 10, UniBank 10, Westpac 10

11 to 14 days
9 lenders

Liberty Financial 11, NAB 11, Police Credit Union 11, bankWAW 13, TMCU 13, Arab Bank Australia 14, BankVic 14, Horizon Bank 14, RACQ Bank 14

15 days or more
25 lenders

BCU Bank 15, Gateway Bank 15, P&N Bank 15, Australian Military Bank 16, Border Bank 16, Darling Downs Bank 16, Hume Bank 16, Macquarie Bank 16, Police Bank 16, QBANK 16, Queensland Country Bank 16, The Mutual Bank 16, Bank Australia 17, Bank of us 17, Coastline Bank 17, Qudos Bank 17, Bank First 18, Easy Street 18, Unloan 18, BNK Bank (Goldfields Money/BCHL) 23, Regional Australia Bank 24, Defence Bank 28, MyState Bank 28, Broken Hill Bank 29, Cairns bank 29

Days from the announcement to the night the new rate first appeared in the lender's published data, which is usually the day it took effect rather than the day the lender announced it. Lenders that moved only some of their variable rates are included.

Borrowers and savers: who has moved which rates

Loans and deposits are repriced separately, so a lender can pass a rise on to one and not the other.

  1. Variable home loans79 lenders, typically +0.25
    708
    Raised rates: 70. Cut rates: 1. No change: 8.
  2. Savings accounts89 lenders, typically +0.25
    4742
    Raised rates: 47. No change: 42.
  3. Fixed home loans72 lenders, typically +0.22
    4227
    Raised rates: 42. Cut rates: 3. No change: 27.
  4. Term deposits70 lenders, typically +0.15
    4424
    Raised rates: 44. Raised some, cut others: 1. Cut rates: 1. No change: 24.
Raised ratesRaised some, cut othersCut ratesNo change

A lender counts as raising or cutting when most of the rates it moved went that way. Fixed rates follow expectations for future decisions rather than the last one, so they often move before the RBA does.

What it costs you: your repayment, before and after

Loan balance
$600,000
Your variable rate before the rise
6.80%
Years left on the loan
25 yrs
This rise, passed on in full
+$95a month

$4,164 becomes $4,260 at 7.05%. That is $1,145 a year more.

All 4 rises since February 2026
+$376 a month

+1.00 percentage points in total, if each one was passed on in full.

Principal and interest, monthly repayments. For extra repayments, offsets and fees, use the RBA impact analyzer or the repayment calculator.

Every move as it lands: the latest published rate changes, newest first

RSSCSV

  1. Wed 28 Oct

  2. Tue 27 Oct

  3. Mon 26 Oct

  4. Sun 25 Oct

  5. Sat 24 Oct

  6. Fri 23 Oct

The latest 40 of 281 moves since 7 Oct 2026. The CSV has every one, and each lender's page lists its own.

The cash rate: 4 rises since February 2026, +1.00 in all

Recent decisions

Took effectChangeCash rate
30 Sept 2026up 0.254.60%
12 Aug 2026Held4.35%
17 June 2026Held4.35%
6 May 2026up 0.254.35%
18 Mar 2026up 0.254.10%
4 Feb 2026up 0.253.85%
10 Dec 2025Held3.60%
5 Nov 2025Held3.60%

Next decisions

  • Tuesday 3 November 20262.30 pm
  • Tuesday 8 December 20262.30 pm
  • Tuesday 9 February 20272.30 pm
  • Tuesday 23 March 20272.30 pm
The RBA's meeting schedule

Use this data: free to cite, download and embed

Download

Every logged rate change since 18 Sept 2026, one row per rate, with old and new values and a link to the product.

rate-changes.csvRSS feed
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<p style="font-size:12px">Data: <a href="https://www.thefinancealgorithm.com/rate-tracker">RBA rate tracker</a>, The Finance Algorithm</p>
Cite
The Finance Algorithm, "RBA rate tracker", 28 Oct 2026, https://www.thefinancealgorithm.com/rate-tracker. Source: lenders' Consumer Data Right product data.

How the tracker works: published rates, read every night

What counts

Products any applicant can take up. Staff, profession, age-limited, business and rates-on-application products are left out, the same as the banking explorers.

Passed on

A lender has passed the rise on when at least half its published variable home loan rates have moved, and the typical move is 0.25 percentage points. Bigger moves read as more, smaller as in part.

Dates

A change is dated the morning our nightly read first sees it. Lenders usually switch a new rate on overnight, so that is normally the day it takes effect.

What is left out

Moves larger than 2 percentage points in one night are almost always a lender correcting its data, so they are not counted. Foreign currency accounts are excluded. History starts 18 Sept 2026.

Rates are general information, not advice. Check the lender's own site before you act, and see the methodology for how the product data is read.

Questions people are asking

Has CommBank passed on the RBA's September 2026 rate rise?
CommBank lifted its variable home loan rates by 0.25 percentage points from 9 Oct 2026, passing on the RBA's 30 Sept 2026 rise in full. It has lifted 15 savings rates since, typically by 0.25 percentage points. Checked against the rates CommBank published on 28 Oct 2026.
Has Westpac passed on the RBA's September 2026 rate rise?
Westpac has moved 9 of its 47 variable home loan rates since the RBA's 30 Sept 2026 rise, typically by 0.25 percentage points. It has lifted 2 savings rates and cut 1 savings rate since, typically by 0.25 percentage points. Checked against the rates Westpac published on 28 Oct 2026.
Has NAB passed on the RBA's September 2026 rate rise?
NAB has moved 5 of its 37 variable home loan rates since the RBA's 30 Sept 2026 rise, typically by 0.25 percentage points. It has lifted 3 savings rates since, typically by 0.20 percentage points. Checked against the rates NAB published on 28 Oct 2026.
Has ANZ passed on the RBA's September 2026 rate rise?
ANZ lifted its variable home loan rates by 0.25 percentage points from 9 Oct 2026, passing on the RBA's 30 Sept 2026 rise in full. It has lifted 3 savings rates since, typically by 0.25 percentage points. Checked against the rates ANZ published on 28 Oct 2026.
Which banks have passed on the September 2026 rate rise?
As of 28 Oct 2026, 71 of 79 lenders have changed their published variable home loan rates: Central Murray Bank, Laboratories Credit Union, BOQ Specialist, Virgin Money, Unity Bank, Judo Bank, Bendigo Bank, Orange Credit Union, Up, Northern Inland Credit Union, Woolworths Team Bank and CommBank, and 59 more in the table above.
How long did banks take to pass on the September 2026 rate rise?
The RBA announced the rise on 29 Sept 2026. The median lender of the 70 that have moved so far published its new variable rates 10 days later, and the fastest, Central Murray Bank, after 2 days. Among the big four, ANZ, CommBank and Westpac after 10 days and NAB after 11.
When do banks pass on an RBA rate change?
Most lenders announce their response within a few days of the decision and apply it from a set date, often one to two weeks later, writing to existing borrowers first. This tracker records a change when it appears in the rates the lender publishes, which is usually the day it takes effect.
How much will my repayments go up?
At 6.80% over 25 years, a 0.25 point rise passed on in full adds about $16 a month for every $100,000 owed: about $95 on a $600,000 loan. The calculator on this page works it out for your own balance and rate.
When is the next RBA decision?
The Monetary Policy Board's next decision is due on Tuesday 3 November 2026 at 2.30 pm Sydney time. A change takes effect the next day, and this tracker starts following lenders' responses from then.
Where does this data come from?
Every bank, credit union and lender on the Consumer Data Right register publishes its products and rates through a public API, as the law requires. We read all of them every night and log each published rate that changes, with its old and new value. Nothing here comes from press releases, and no lender pays to be listed.