Money / Banks
Bank Australia
What Bank Australia publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check Bank Australia's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| Bonus Saver changed 16 Oct | 0.10% | 5.25% | 5.35% |
Bonus only on balances up to $100,000 In the bank's wordsEarn monthly bonus interest when $100 is deposited each month and there are no withdrawals in the month. If these conditions aren't met, you will only be eligible to receive the base variable interest rate. New accounts: an extra 0.50% for 3 months |
| Christmas Saver | 2.25% | – | 2.25% | No bonus |
| Commercial Saver changed 16 Oct | 0.00% | – | 0.00% | No bonus |
| Community Access changed 16 Oct | 1.50% | – | 1.50% | No bonus |
| Everyday Access | 0.00% | – | 0.00% | No bonus |
| mySaver changed 16 Oct | 0.10% | 5.25% | 5.35% |
Bonus only on balances up to $50,000 Up to age 24 In the bank's wordsEarn monthly bonus interest when $10 is deposited each month and there are no withdrawals in the month. If these conditions aren't met, you will only be eligible to receive the base variable interest rate. |
| Online Saver changed 16 Oct | 4.60% | – | 4.60% | No bonus |
| Pension Access changed 16 Oct | 1.90% | – | 1.90% | No bonus |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| Impact Term Deposit 6 months | – | 5.30% | – | – | $500 |
| Monthly Term Deposit 12 months | – | – | 5.40% | – | $500 |
| Monthly Term Deposit 18 months | – | – | – | – | $500 |
| Monthly Term Deposit 24 months | – | – | – | 5.30% | $500 |
| Monthly Term Deposit 36 months | – | – | – | – | $500 |
| Monthly Term Deposit 6 months | – | 5.20% | – | – | $500 |
| Term Deposit 12 months | – | – | 5.50% | – | $500 |
| Term Deposit 18 months | – | – | – | – | $500 |
| Term Deposit 24 months | – | – | – | 5.40% | $500 |
| Term Deposit 3 months | 5.10% | – | – | – | $500 |
| Term Deposit 36 months | – | – | – | – | $500 |
| Term Deposit 6 months | – | 5.30% | – | – | $500 |
| Term Deposit 9 months | – | – | – | – | $500 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Basic Home Loan changed 16 Oct | 6.39% | 6.39% |
| Basic Home Loan Fixed changed 16 Oct | – | – |
| Clean Energy Home Loan changed 16 Oct | 6.13% | 6.46% |
| Clean Energy Home Loan Fixed changed 16 Oct | – | – |
| Offset Home Loan changed 16 Oct | 6.43% | 6.62% |
| Offset Home Loan Fixed changed 16 Oct | – | – |
Credit cards
| Card | Purchases | Annual fee | Owing $2,000 |
|---|---|---|---|
| Low Rate Visa Credit Card | 12.99% | $0 | $260 |
| Platinum Visa Credit Card | 20.24% | $189 | $594 |
| Visa Credit Card | 19.74% | $0 | $395 |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Basic Access Savings and transaction accounts
- Basic Investment Loan Home loans
- Basic Investment Loan Fixed Home loans
- Basic Investment Loan Fixed IO Home loans
- Basic Investment Loan IO Home loans
- Bridging Loan Home loans
- Clean Energy Investment Fixed Home loans
- Clean Energy Investment Loan Home loans
- Commercial Access Savings and transaction accounts
- Mortgage Offset Savings and transaction accounts
- Mortgage Offset - Fixed Savings and transaction accounts
- Offset Investment Loan Home loans
- Offset Investment Loan Fixed Home loans
- Offset Investment Loan Fixed IO Home loans
- Offset Investment Loan IO Home loans
- Term Deposit Negotiated Term deposits
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: Bank Australia product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at Bank Australia, which has the current details.