Money / Banks
SWSbank
What SWSbank publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check SWSbank'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 |
|---|---|---|---|---|
| Budget Account | 0.01% | – | 0.01% | No bonus |
| Card Free Account | 0.01% | – | 0.01% | No bonus |
| Christmas Club | 0.75% | – | 0.75% | No bonus |
| Everyday Account | 0.01% | – | 0.01% | No bonus |
| Goal Account | 0.25% | – | 0.25% | No bonus |
| Junior Account | 1.50% | – | 1.50% | No bonus. Ages 10 to 13 |
| Online Saver | 2.00% | – | 2.00% | No bonus |
| SMF Superannuation | 2.00% | – | 2.00% | No bonus |
| Teenager Account | 2.00% | – | 2.00% | 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 |
|---|---|---|---|---|---|
| 12 Month Term Deposit | – | – | 5.00% | – | $500 |
| 24 Month Term Deposit | – | – | – | 4.80% | $500 |
| 3 Month Term Deposit | 3.35% | – | – | – | $500 |
| 6 Month Term Deposit | – | 3.50% | – | – | $500 |
| 9 Month Term Deposit | – | – | – | – | $500 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Intro Discounted Standard Variable Home Loan | 6.10% | – |
| Intro Discounted Standard Variable Home Loan | 6.10% | – |
| Optimum 1 Year Fixed Rate Home Loan | 6.10% | – |
| Optimum 2 Year Fixed Rate Home Loan | 6.10% | – |
| Optimum 3 Year Fixed Rate Home Loan | 6.10% | – |
| Standard Variable Rate Home Loan | 6.10% | 6.10% |
Credit cards
| Card | Purchases | Annual fee | Owing $2,000 |
|---|---|---|---|
| Visa Credit Card | 13.45% | $30 | $299 |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Investment Discounted Standard Variable Home Loan Home loans
- Investment Home Loan - Interest Only Home loans
- Investment Standard Variable Home Loan Home loans
- Offset Account Savings and transaction accounts
- Optimum Investor 1 Year Fixed Rate Home Loan Home loans
- Optimum Investor 2 Year Fixed Rate Home Loan Home loans
- Optimum Investor 3 Year Fixed Rate Home Loan Home loans
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: SWSbank product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at SWSbank, which has the current details.