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Bank Australia rates
Bank Australia publishes 44 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
Bank Australia's lowest home loan rate is 6.38% on Basic Home Loan, 0.36 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 5.25% on Bonus Saver, 1.25 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Bank Australia repriced 18 products in the last 30 days, most recently lifting Platinum Visa Credit Card on 1 November 2026, from 20.24% to 20.99%.
Home loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Clean Energy Home Loan restricted | 6.13% | 6.46% |
| Clean Energy Investment Loan restricted | 6.29% | 6.59% |
| Basic Home Loan | 6.38% | 6.38% |
| Offset Home Loan | 6.38% | 6.57% |
| Offset Investment Loan | 6.49% | 6.68% |
| Basic Investment Loan | 6.59% | 6.59% |
| Clean Energy Home Loan Fixed restricted | 6.59% | 6.63% |
| Clean Energy Investment Fixed restricted | 6.64% | 6.72% |
| Basic Home Loan Fixed | 6.74% | 6.42% |
| Offset Home Loan Fixed | 6.74% | 6.60% |
| Offset Investment Loan IO | 6.74% | 6.77% |
| Basic Investment Loan Fixed | 6.79% | 6.61% |
| Offset Investment Loan Fixed | 6.79% | 6.71% |
| Basic Investment Loan IO | 6.84% | 6.70% |
| Basic Investment Loan Fixed IO | 7.04% | 6.64% |
| Offset Investment Loan Fixed IO | 7.04% | 6.73% |
| Bridging Loan restricted | 8.35% | 8.40% |
Savings accounts
| Product | Advertised rate |
|---|---|
| Bonus Saver | 5.25% |
| mySaver | 5.25% |
| Online Saver | 4.70% |
| Christmas Saver | 2.25% |
| Commercial Saver | 1.95% |
Term deposits
| Product | Advertised rate |
|---|---|
| Term Deposit 12 months | 5.60% |
| Monthly Term Deposit 12 months | 5.50% |
| Term Deposit 24 months | 5.40% |
| Term Deposit 36 months | 5.40% |
| Impact Term Deposit 6 months | 5.30% |
| Monthly Term Deposit 24 months | 5.30% |
| Monthly Term Deposit 36 months | 5.30% |
| Term Deposit 6 months | 5.30% |
| Term Deposit 9 months | 5.30% |
| Monthly Term Deposit 6 months | 5.20% |
| Term Deposit 3 months | 5.10% |
| Term Deposit 18 months | 3.55% |
| Monthly Term Deposit 18 months | 3.45% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Pension Access | 2.15% |
| Community Access | 1.50% |
| Everyday Access | 0.05% |
Credit cards
| Product | Advertised rate |
|---|---|
| Low Rate Visa Credit Card | 12.34% |
| Visa Credit Card | 19.74% |
| Platinum Visa Credit Card | 20.99% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Fixed Car Loan | 7.29% | 7.50% |
| Clean Energy Personal Loan | 7.49% | 7.49% |
| Lifestyle Personal Loan | 9.49% | 10.53% |
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