The real numbers behind your bank
Every bank in Australia has to publish its products, rates and fees in the same format, under a law called the Consumer Data Right. We read what 110 banks publish, every night, and put it in plain words. No ads, no paid placements, and no "pick of the week".
The bonus rate catch
5.00%
That's the typical headline rate on a bonus savings account. You only get it in months you meet the bank's conditions. Miss them and you get the base rate, typically 0.10%. On $10,000 for a year, that's about $10 instead of $500.
See every account's conditionsHome loans
6.44%
The typical variable rate for an owner-occupier paying off the loan, borrowing 80% of the home's value. Only 2 banks publish separate prices for new and existing customers. There, new customers pay typically 0.80% less.
See home loan ratesTerm deposits
5.20%
The typical rate for locking $10,000 away for 12 months, across 474 term deposits.
See rates by termCredit cards
17.57%
The typical interest rate on purchases. Owing $2,000 on a card for a year typically costs $400 in interest and fees.
See card costsWhy half a percent matters
On a $600,000 home loan over 30 years, paying 6.94% instead of 6.44% costs $199 more every month. Over the whole loan that's $71,605. See how it's worked out.
What you can look up
Savings accounts
The base rate, the bonus rate, and exactly what you have to do each month to get the bonus.
Term deposits
Rates for 3, 6, 12 and 24 months, and the smallest amount each bank takes.
Home loans
Variable and fixed rates, comparison rates, and the gap between new and existing customers.
Credit cards
Purchase and cash rates, annual fees, interest-free days and what owing $2,000 costs.
Every bank, one page each
All their savings accounts, term deposits, home loans and credit cards, with the date each bank's figures are from.
- AFG Home Loans Alpha
- Alex.Bank
- AMP - My AMP
- AMP Bank GO
- ANZ
- ANZ Plus
- Arab Bank Australia Limited
- Aussie Elevate
- Australian Military Bank
- Australian Mutual Bank LTD
- Auswide Bank Ltd
- Bank Australia
- Bank First
- Bank of China
- Bank of Melbourne
- Bank of Queensland Limited
- Bank of Sydney
- Bank of us
- BankSA
- BankVic
- bankWAW
- Bankwest
- BCU Bank
- Bendigo Bank
- Beyond Bank Australia
- BNK Bank (Goldfields Money/BCHL)
- BOQ Specialist
- Border Bank
- Broken Hill Bank
- Cairns bank
- Central Murray Bank
- Central West CUL
- Coastline Bank
- Coles Credit Cards
- CommBank
- CommFCU
- Connective Select
- Credit Union SA
- Darling Downs Bank
- Defence Bank
- Dnister
- Easy Street
- Fire Service Credit Union
- Firefighters Mutual Bank
- First Option Bank
- Gateway Bank
- Geelong Bank
- gmcu
- Great Southern Bank
- Great Southern Bank Business+
- Greater Bank
- Health Professionals Bank
- Heartland
- Horizon Bank
- HSBC Bank Australia Limited – Wholesale Banking
- Hume Bank
- IMB Bank
- ING BANK (Australia) Ltd
- Judo Bank
- Kogan Money Credit Cards
- Laboratories Credit Union
- Liberty Financial
- Macquarie Bank Limited
- Maitland Mutual Limited
- ME Bank - ME Go
- MoveBank
- MyCard
- MyState Bank
- NATIONAL AUSTRALIA BANK
- Newcastle Permanent
- Northern Inland Credit Union Limited
- NRMA Home Loans
- ORANGE CREDIT UNION LTD
- P&N Bank
- PayPal Australia
- People First and Heritage Bank
- Police Bank
- Police Credit Union Ltd
- Qantas Money Basic/Offset Home Loans
- Qantas Money Credit Cards
- QBANK
- Qudos Bank
- Queensland Country Bank
- Rabobank
- RACQ Bank
- Regional Australia Bank
- Revolut
- RSL Money
- Solo by MYOB
- Southern Cross Credit Union
- St.George Bank
- Summerland Bank
- Suncorp Bank
- SWSbank
- Teachers Mutual Bank
- The Capricornian
- The Mac
- Tiimely Home
- TMCU
- Traditional Credit Union
- Tyro Payments
- UBank
- UniBank
- Unity Bank
- Unloan
- Up
- Virgin Money
- Westpac
- Wise
- Woolworths Team Bank
Not here: Aussie Home Loans, CBA - CommBiz, DDH Graham, HSBC, Thriday, Tyro Banking. They're on the register of banks that must publish product data, but we haven't been able to read theirs: the bank's service turned us away or has no product data listed. We try again every night.
Where does your money go?
A few dollars a week on lotto, Keno or the pokies doesn't feel like much. In a bonus saver it would add up, with interest on top. The spend check works out your own number in about a minute.
About these figures
Banks publish these details through public data feeds that the Consumer Data Right requires. We read them all once a night and keep every change, so over time you'll see when rates move. Products for businesses, farms and self-managed super funds, and foreign currency accounts, are left out. Each bank's own page lists all of its products. "Typical" means the median: half the products are above it and half are below.
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: each bank's own product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at the bank.