Money / Banks

Cairns bank

What Cairns bank publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check Cairns bank'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
Business account	0.01%	–	0.01%	No bonus
Childrens saver account	0.50%	–	0.50%	No bonus. Up to age 18
Christmas Saver Account	2.00%	–	2.00%	No bonus
Online Saver account	2.75%	–	2.75%	No bonus
Pensioner Account	0.05%	–	0.05%	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
Term deposits 12mths over $500,000 mthly interest	–	–	–	4.75%	$1,000
Term deposits 12mths under $500,000	–	–	–	–	$1,000
Term deposits 1mth under $500,000	–	–	–	5.00%	$1,000
Term deposits 24mths under $500,000	–	–	–	–	$1,000
Term deposits 3mths under $500,000	–	–	–	–	$1,000

Home loans

Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.

Loan	Variable	Comparison	Fixed 1 yr	Fixed 2 yr	Fixed 3 yr	Fixed 4 yr	Fixed 5 yr
CLASSIC HOME LOAN VARIABLE 60-80 LVR PI	6.29%	6.00%	–	–	–	–	–
CLASSIC HOME LOAN VARIABLE 80-90 LVR PI	6.49%	6.20%	–	–	–	–	–
CLASSIC HOME LOAN VARIABLE <60 LVR PI	6.24%	5.95%	–	–	–	–	–
CLASSIC HOME LOAN VARIABLE >90 LVR PI	6.69%	6.40%	–	–	–	–	–
PLUS HOME LOAN FIXED 1YR 60-80 LVR PI	–	–	6.24%	–	–	–	–
PLUS HOME LOAN FIXED 1YR 80-90 LVR PI	–	–	6.44%	–	–	–	–
PLUS HOME LOAN FIXED 1YR <60 LVR PI	–	–	6.19%	–	–	–	–
PLUS HOME LOAN FIXED 1YR >90 LVR PI	–	–	6.64%	–	–	–	–
PLUS HOME LOAN FIXED 2YR 60-80 LVR PI	–	–	–	6.29%	–	–	–
PLUS HOME LOAN FIXED 2YR 80-90 LVR PI	–	–	–	6.49%	–	–	–
PLUS HOME LOAN FIXED 2YR <60 LVR PI	–	–	–	6.24%	–	–	–
PLUS HOME LOAN FIXED 2YR >90 LVR PI	–	–	–	6.69%	–	–	–
PLUS HOME LOAN FIXED 3YR 60-80 LVR PI	–	–	–	–	6.39%	–	–
PLUS HOME LOAN FIXED 3YR 80-90 LVR PI	–	–	–	–	6.59%	–	–
PLUS HOME LOAN FIXED 3YR <60 LVR PI	–	–	–	–	6.34%	–	–
PLUS HOME LOAN FIXED 3YR >90 PI	–	–	–	–	6.79%	–	–
PLUS HOME LOAN VARIABLE 60-80 LVR PI	6.39%	6.32%	–	–	–	–	–
PLUS HOME LOAN VARIABLE 80-90 LVR PI	6.59%	6.51%	–	–	–	–	–
PLUS HOME LOAN VARIABLE <60 LVR	6.34%	6.27%	–	–	–	–	–
PLUS HOME LOAN VARIABLE >90 PI	6.79%	6.71%	–	–	–	–	–

Other products in these groups

These don't list rates we can show in a table (for example, accounts that pay no interest).

CLASSIC HOME LOAN BRIDGING VARIABLE 60-80 LVR IO Home loans
CLASSIC HOME LOAN BRIDGING VARIABLE 80-90 LVR IO Home loans
CLASSIC HOME LOAN BRIDGING VARIABLE <60 LVR IO Home loans
CLASSIC HOME LOAN BRIDGING VARIABLE >90 LVR IO Home loans
CLASSIC HOME LOAN VARIABLE 60-80 LVR IO Home loans
CLASSIC HOME LOAN VARIABLE <60 LVR IO Home loans
CLASSIC HOME LOAN VARIABLE >80-90 LVR IO Home loans
CLASSIC HOME LOAN VARIABLE >90 LVR IO Home loans
CLASSIC INVESTMENT HL BRIDGING VARIABLE 60-80 LVR IO Home loans
CLASSIC INVESTMENT HL BRIDGING VARIABLE 80-90 LVR IO Home loans
CLASSIC INVESTMENT HL BRIDGING VARIABLE <60 LVR IO Home loans
CLASSIC INVESTMENT HL BRIDGING VARIABLE >90 LVR IO Home loans
CLASSIC INVESTMENT HL VARIABLE 60-80 LVR IO Home loans
CLASSIC INVESTMENT HL VARIABLE 60-80 LVR PI Home loans
CLASSIC INVESTMENT HL VARIABLE 80-90 LVR IO Home loans
CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI Home loans
CLASSIC INVESTMENT HL VARIABLE <60 LVR IO Home loans
CLASSIC INVESTMENT HL VARIABLE <60 LVR PI Home loans
CLASSIC INVESTMENT HL VARIABLE >90 LVR IO Home loans
CLASSIC INVESTMENT HL VARIABLE >90 LVR PI Home loans
Everyday transaction account Savings and transaction accounts
INVESTMENT PLUS HL FIXED 1YR 60-80 LVR IO Home loans
INVESTMENT PLUS HL FIXED 1YR 60-80 LVR PI Home loans
INVESTMENT PLUS HL FIXED 1YR 80-90 LVR IO Home loans
INVESTMENT PLUS HL FIXED 1YR 80-90 LVR PI Home loans
INVESTMENT PLUS HL FIXED 1YR <60 LVR IO Home loans
INVESTMENT PLUS HL FIXED 1YR <60 LVR PI Home loans
INVESTMENT PLUS HL FIXED 1YR >90 LVR IO Home loans
INVESTMENT PLUS HL FIXED 1YR >90 LVR PI Home loans
INVESTMENT PLUS HL FIXED 2YR 60-80 LVR IO Home loans
INVESTMENT PLUS HL FIXED 2YR 60-80 LVR PI Home loans
INVESTMENT PLUS HL FIXED 2YR 80-90 LVR IO Home loans
INVESTMENT PLUS HL FIXED 2YR 80-90 LVR PI Home loans
INVESTMENT PLUS HL FIXED 2YR <60 LVR IO Home loans
INVESTMENT PLUS HL FIXED 2YR <60 LVR PI Home loans
INVESTMENT PLUS HL FIXED 2YR >90 LVR IO Home loans
INVESTMENT PLUS HL FIXED 2YR >90 LVR PI Home loans
INVESTMENT PLUS HL FIXED 3YR 60-80 LVR IO Home loans
INVESTMENT PLUS HL FIXED 3YR 60-80 LVR PI Home loans
INVESTMENT PLUS HL FIXED 3YR 80-90 LVR PI Home loans
INVESTMENT PLUS HL FIXED 3YR <60 LVR IO Home loans
INVESTMENT PLUS HL FIXED 3YR <60 LVR PI Home loans
INVESTMENT PLUS HL FIXED 3YR >90 LVR IO Home loans
INVESTMENT PLUS HL FIXED 3YR >90 LVR PI Home loans
INVESTMENT PLUS HL PLUS FIXED 3YR 80-90 LVR IO Home loans
INVESTMENT PLUS HL VARIABLE 60-80 LVR IO Home loans
INVESTMENT PLUS HL VARIABLE 60-80 LVR PI Home loans
INVESTMENT PLUS HL VARIABLE 80-90 LVR IO Home loans
INVESTMENT PLUS HL VARIABLE 80-90 LVR PI Home loans
INVESTMENT PLUS HL VARIABLE <60 LVR IO Home loans
INVESTMENT PLUS HL VARIABLE <60 LVR PI Home loans
INVESTMENT PLUS HL VARIABLE >90 LVR IO Home loans
INVESTMENT PLUS HL VARIABLE >90 LVR PI Home loans
Loan offset account Savings and transaction accounts

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: Cairns bank product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at Cairns bank, which has the current details.