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Money / Banks

Bank First

What Bank First publishes about its products under the Consumer Data Right, as at 18 October 2026. For current details, check Bank First's own website.

Savings and transaction accounts

Rates for a $10,000 balance. Compare with other banks.

AccountIf you miss the conditionsBonusWith the bonusWhat you have to do
Bonus Saver Account0.05%4.95%5.00%
  • Put in at least $1 a month
  • Make no withdrawals
In the bank's words

Bonus interest additional to the base rate is earned when at least one deposit of a minimum of $1.00 and no withdrawals are made in the month.

Christmas Club Account changed 16 Oct3.60%–3.60% No bonus
First Access Account changed 16 Oct2.20%–2.20% No bonus. Up to age 17
First Home Bonus Saver Account0.05%5.00%5.05%
  • Put in at least $100 a month
  • Make no withdrawals
In the bank's words

Bonus interest additional to the base rate is earned when deposits totalling a minimum of $100 and no withdrawals are made in the month.

First Saver Account changed 16 Oct4.65%–4.65% No bonus. Up to age 17
Online Saver Account changed 16 Oct4.05%–4.05% No bonus
Pension Account changed 16 Oct3.65%–3.65% No bonus
Preschool Day to Day Account0.05%–0.05% No bonus
Preschool Fundraising Account changed 16 Oct4.40%–4.40% No bonus
Preschool Long Service and Sick Leave Provisions Account changed 16 Oct4.55%–4.55% No bonus
Preschool Petty Cash Account0.05%–0.05% No bonus
Preschool Savings Account changed 16 Oct4.55%–4.55% No bonus
School Everyday Account changed 16 Oct2.65%–2.65% No bonus
Strong Start Saver changed 16 Oct5.65%–5.65% No bonus. Ages 15 to 35

Term deposits

The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.

Product3 months6 months12 months24 monthsSmallest deposit
1 Year Regular Income Term Deposit––5.40%–$5,000
1 Year Term Deposit––5.50%–$500
120 Day Term Deposit––––$500
180 Day Term Deposit–5.30%––$500
2 Year Term Deposit–––5.00%$500
270 Day Term Deposit––––$500
3 Year Term Deposit––––$500
4 Year Term Deposit––––$500
5 Year Term Deposit––––$500
90 Day Term Deposit4.95%–––$500
Preschool 120-180 Day Flexible Term Deposit–5.30%––$5,000
Preschool 30-90 Day Flexible Term Deposit4.95%–––$5,000
Preschool Long Service Leave 1 Year Term Deposit––5.50%––
School 120-180 Day Flexible Term Deposit–5.30%––$5,000
School 30-90 Day Flexible Term Deposit4.95%–––$5,000

Home loans

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

LoanVariableComparisonFixed 1 yrFixed 2 yrFixed 3 yrFixed 4 yrFixed 5 yr
Basic Home Loan Variable LVR 70-80% changed 16 Oct6.34%6.39%–––––
Complete Home Loan Owner Occupied 1 year fixed LVR <80% changed 16 Oct––6.99%––––
Complete Home Loan Owner Occupied 2 year fixed LVR <80% changed 16 Oct–––6.99%–––
Complete Home Loan Owner Occupied 3 year fixed LVR <80% changed 16 Oct––––6.94%––
Complete Home Loan Owner Occupied 4 year fixed LVR <80% changed 16 Oct–––––6.89%–
Complete Home Loan Owner Occupied 5 year fixed LVR <80% changed 16 Oct––––––6.89%
Complete Home Loan Owner Occupied Variable LVR 70-80% changed 16 Oct6.44%6.49%–––––
Premier Package Home Loan Owner Occupied 1 year fixed LVR <80% changed 16 Oct––6.89%––––
Premier Package Home Loan Owner Occupied 2 year fixed LVR <80% changed 16 Oct–––6.89%–––
Premier Package Home Loan Owner Occupied 3 year fixed LVR <80% changed 16 Oct––––6.84%––
Premier Package Home Loan Owner Occupied 4 year fixed LVR <80% changed 16 Oct–––––6.79%–
Premier Package Home Loan Owner Occupied 5 year fixed LVR <80% changed 16 Oct––––––6.79%
Premier Package Home Loan Owner Occupied Variable LVR 70-80% changed 16 Oct6.44%6.82%–––––

Credit cards

Compare with other banks.

CardPurchasesCashAnnual feeInterest-free daysOwing $2,000
Classic Credit Card12.54%12.54%$3055$281
Platinum Credit Card11.49%19.59%$9955$329

Other products in these groups

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

Rates changed on 834 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 First product data, published under the Consumer Data Right, as at 18 October 2026. Every product name links to its page at Bank First, which has the current details.