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Transaction accounts: every current advertised rate

234 transaction accounts from 66 lenders, highest rate first, each the figure its lender publishes under the Consumer Data Right today. 86 products restricted by occupation, employer or membership are left out and listed on the lender's page. Click a product for every rate, its 30-day history and its latest moves. How to read deposit rates.

The highest rate, 5.70%, is 3.78 points above the median of 1.92% on this page; 7 lenders price within 0.25 points of it. In the last 30 days 37 lenders repriced a transaction account, all lifting rates. The latest was Northern Inland Credit Union on 3 November 2026, lifting Future Plus from 3.15% to 3.40%.

Every transaction account rate (234)

Lender	Product	Advertised rate	Conditions
Summerland Bank	iSave Online	5.70%	introductory rate: valid for new customers only.
People's Choice and Heritage	Dream Fund	5.54%	bonus rate: applicable on balances up to $100,000
AMP Bank	Save v2 - B7004	5.50%
Bank of us	Spring Load	5.50%	bonus rate
Great Southern Bank Business+	Term Deposit 1 year	5.50%
Great Southern Bank Business+	Term Deposit 10 months	5.50%
Police Bank	U30 Super Charge Account	5.50%
Border Bank	U30 Super Charge Account	5.50%
Australian Military Bank	Capital Guaranteed Super	5.40%
Australian Military Bank	Capital Guaranteed Pension Account	5.40%
UBank	Save account	5.35%	bonus rate: everyday Bonus Rate
MOVE Bank	Term Deposit	5.35%
Great Southern Bank Business+	Term Deposit 6 months	5.35%
Great Southern Bank Business+	Term Deposit 9 months	5.35%
Great Southern Bank Business+	Term Deposit 11 months	5.30%
Great Southern Bank Business+	Term Deposit 4 months	5.25%
ANZ	Farm Management Deposit Fixed Term	5.20%
Great Southern Bank Business+	Term Deposit 7 months	5.20%
Great Southern Bank Business+	Term Deposit 5 months	5.15%
Westpac	Westpac Life	5.15%	bonus rate: interest is calculated daily on your account balance up to the second last business day of the month.
Great Southern Bank Business+	Term Deposit 3 months	5.10%
Great Southern Bank Business+	Term Deposit 8 months	5.10%
First Option Bank	Save Account	5.05%	introductory rate: new customers only; existing customers only
AMP Bank	Business Save v3 - B7005	5.00%
Police Credit Union	Super MyWay Account	5.00%
Macquarie Bank	Macquarie Cash Management Accelerator Account	4.90%
Bank of us	Save up	4.90%	bonus rate
BankSA	Farm Management Deposit Account	4.75%
Bank of Melbourne	Farm Management Deposit Account	4.75%
St.George Bank	Farm Management Deposit Account	4.75%
Unity Bank	MoneyMAX	4.75%
CBA	CommSec Notice Investor	4.70%
BankVic	Pension Plus	4.65%
Qudos Bank	DIY Super	4.60%	bonus rate: bonus interest when you make no withdrawals in a calendar month
Hume Bank	Professional Cash Management	4.60%
Bank First	Preschool Long Service and Sick Leave Provisions Account	4.55%
ME Bank - ME Go	SaveME	4.55%	bonus rate: bonus rate applies if Bonus Criteria is met.
AMP MyAMP	AMP Cash Manager	4.50%
IMB Bank	Business Cash Management Account	4.50%	introductory rate: introductory Fixed Bonus Interest Rate is payment for the first 4 interest payments for new accounts open from 2nd September 2025, for...
BNK Bank	Cash Management Account	4.50%
MyState Bank	E&P High Yield Account	4.50%
Auswide Bank	Wealth Management Account	4.50%
People's Choice and Heritage	Target Bonus Account	4.49%	bonus rate
People's Choice and Heritage	Youth Target Bonus Account	4.49%	bonus rate: bonus Interest applied if at least one deposit and no withdrawals are made during the month.
Geelong Bank	Superfund Maximiser	4.45%
Bank First	Preschool Fundraising Account	4.40%
ANZ	ANZ V2 Plus	4.35%
Beyond Bank Australia	Community Reward Account	4.30%
Auswide Bank	Cash Management	4.25%
CBA	Capital Growth Account	4.25%
Beyond Bank Australia	Bank Guarantee Facility Acct	4.20%
Credit Union SA	Netsave Account	4.15%	introductory rate
Great Southern Bank Business+	Term Deposit 1 month	4.00%
Great Southern Bank Business+	Term Deposit 2 months	4.00%
Rabobank	Call Deposit Account	3.75%
Qudos Bank	Cash Management Account	3.75%
Geelong Bank	Christmas Club Account	3.75%
Bank First	Pension Account	3.65%
Bank First	Christmas Club Account	3.60%
Horizon Bank	Cash Management	3.50%
IMB Bank	Christmas Club Account	3.50%	bonus rate
Regional Australia Bank	Internet Maximiser Account	3.50%
First Option Bank	Retirement Access	3.50%
Hume Bank	iSave	3.50%
Northern Inland Credit Union	Future Plus	3.40%
Hume Bank	Retirement Account	3.30%
Auswide Bank	Business Access Account	3.25%
Auswide Bank	Controlled Money	3.25%
Gateway Bank	Christmas Club	3.25%
Gateway Bank	Community Account	3.25%
Horizon Bank	Horizon Direct	3.25%
First Option Bank	S11 Retirement Access	3.25%
Bank of us	Stash n Splash	3.25%	bonus rate
RACQ Bank	eSave Account	3.25%
Hume Bank	Business iSave	3.15%
Darling Downs Bank	Cash Manager Online	3.15%
BankVic	EasyInvest	3.15%
First Option Bank	Cash Management	3.00%
TMCU	Christmas Club Account	3.00%
Westpac	Cash Investment Account	3.00%
CBA	Commonwealth Direct Investment Account	3.00%
Macquarie Bank	Macquarie Cash Management Account	3.00%
Macquarie Bank	Macquarie Transaction Account	3.00%
Cairns Bank	Pensioner Account	3.00%
IMB Bank	DIY Super Account	2.90%
Summerland Bank	Gold Class	2.80%
Southern Cross Credit Union	Easy Access 50+	2.75%
Queensland Country Bank	Christmas Club	2.70%
Bank First	School Everyday Account	2.65%
Darling Downs Bank	Cash Manager Plus	2.50%
Police Bank	Retirement Plus Account	2.50%
Border Bank	Retirement Plus Account	2.50%
CBA	Commonwealth Private Bank Account	2.35%
Northern Inland Credit Union	Pension Plus	2.35%
TMCU	Redifund Account	2.35%
Horizon Bank	Christmas Club	2.25%
IMB Bank	Cash Management Account	2.25%
bankWAW	Money Managers	2.25%
Beyond Bank Australia	Retirement Account	2.25%
Traditional Credit Union	S24 Business Transaction Account	2.25%
Traditional Credit Union	S28 Benevolent Account	2.25%
Traditional Credit Union	S3 Christmas Club Account	2.25%
Traditional Credit Union	S4 Family/Clan/Group Account	2.25%
Central West Credit Union	S10 Cash Management Account	2.20%
Central West Credit Union	S12 Smart	2.20%
Central West Credit Union	S5 Community Proud Account	2.20%
Rabobank	Rabobank Farm Management Deposit (Variable rate)	2.15%
RSL Money	Sub Branch Account	2.10%
Central West Credit Union	S6 Golden Account	2.05%
Australian Military Bank	Christmas Club	2.00%
Gateway Bank	Eco Advantage Transaction Acct	2.00%
Suncorp Bank	Farm Management Deposit Account	2.00%
Traditional Credit Union	S1 Everyday Account	2.00%
Traditional Credit Union	S2 Budget Account	2.00%
SWSbank	Smf Superannuation	2.00%
SWSbank	Teenager Account	2.00%
Coastline Bank	Christmas Club	1.95%
Central West Credit Union	S4 Christmas Club Account	1.90%
Credit Union SA	Educator+ Account	1.75%
Central West Credit Union	S90 Business Smart	1.75%
Bank of us	Super Advantage	1.75%
Orange Credit Union	Christmas Club	1.50%
Bank Australia	Community Access	1.50%
NAB	NAB Business Cash Maximiser	1.50%
GMCU	Our Community	1.50%
Beyond Bank Australia	Community Account	1.45%
Westpac	Community Solutions Cash Reserve	1.45%
HSBC Bank Australia Limited - Wholesale Banking	Current Account	1.40%
CBA	Farm Management Deposit account (At Call)	1.35%
Bank of us	Business iCASH	1.30%
Westpac	Business Premium Cash Reserve	1.30%
ANZ	Farm Management Deposit At Call	1.25%
Darling Downs Bank	Passbook Account	1.25%
Bendigo Bank	Variable Rate Farm Management Account	1.25%
Darling Downs Bank	Christmas Club	1.20%
Newcastle Permanent Building Society	Business Cash Management Account	1.15%
NAB	NAB Business Interest Account	1.15%
Bendigo Bank	Bendigo Cash Management Account (CMA)	1.00%
Greater Bank	Business Optimiser	1.00%
Maitland Mutual	Christmas Club	1.00%
Tyro Payments	Tyro Bank Account	0.95%	bonus rate: bonus rate earned on funds in the account greater than 90 days.
HSBC Bank Australia Limited - Wholesale Banking	International Cash Management Account	0.85%
ING	Business Optimiser	0.75%	introductory rate: for the first six months, for new customers, on balances up to $1million.
SWSbank	Christmas Club	0.75%
First Option Bank	Super Cash Hub	0.75%
Darling Downs Bank	Choice Account	0.55%
Central Murray Bank	Christmas Club Account	0.55%
First Option Bank	Business Cash Hub	0.50%
First Option Bank	Bills Account	0.50%
NAB	NAB Cash Manager	0.50%
RSL Money	RSL Everyday Account	0.50%
First Option Bank	Special Purpose	0.50%
Arab Bank Australia	Cash Management Account	0.40%
GMCU	Cash Manager	0.40%
Arab Bank Australia	Statement Account	0.35%
Auswide Bank	Everyday Club Account	0.30%
CBA	Cash Deposit Account (At Call)	0.25%
SWSbank	Goal Account	0.25%
ANZ	ANZ Premium Cash Management Account	0.15%
Central Murray Bank	Notice Of Withdrawal	0.15%
Central Murray Bank	Premium Business	0.15%
BankSA	Investment Cash Accounts	0.10%
Bank of Melbourne	Investment Cash Accounts	0.10%
St.George Bank	Investment Cash Accounts	0.10%
GMCU	My Business	0.10%
GMCU	My Everyday	0.10%
Bank of China	Overseas Student	0.10%
Bank of China	Overseas Student Statement	0.10%
Bank of China	PassbookSaving Aud	0.10%
Bank of China	PassbookSaving AUD Statement	0.10%
TMCU	Business Account	0.07%
TMCU	Multi-access Account	0.07%
Central Murray Bank	Business Account	0.05%
BNK Bank	Boss Access Account	0.05%
Beyond Bank Australia	Business Transaction Account	0.05%
Maitland Mutual	Cash Management	0.05%
Rabobank	Cash Management Account	0.05%
Northern Inland Credit Union	Christmas Club	0.05%
Central Murray Bank	Everyday Access	0.05%
Bank Australia	Everyday Access	0.05%
Central Murray Bank	GST Account	0.05%
Central West Credit Union	No 2 Deposit Account	0.05%
Bank First	Preschool Day to Day Account	0.05%
Bank First	Preschool Petty Cash Account	0.05%
Central West Credit Union	S1 On Call Account	0.05%
Central West Credit Union	S7 Whole of Pay Account	0.05%
First Option Bank	Spend Account	0.05%
ANZ	ANZ Business Essentials	0.01%
Greater Bank	Access	0.01%
Australian Military Bank	Access Account	0.01%
Queensland Country Bank	All Access	0.01%
SWSbank	Budget Account	0.01%
Greater Bank	Business Access	0.01%
People's Choice and Heritage	Business Access Account	0.01%
Hume Bank	Business Account	0.01%
Queensland Country Bank	Business Basic	0.01%
Queensland Country Bank	Business Platinum	0.01%
Suncorp Bank	Business Premium Account	0.01%
IMB Bank	Business Tax Management Account	0.01%
bankWAW	Business Transact	0.01%
bankWAW	Business Transact	0.01%
IMB Bank	Business Transaction Account	0.01%
RACQ Bank	Business Unsecured Current Account	0.01%
Cairns Bank	Business account	0.01%
SWSbank	Card Free Account	0.01%
bankWAW	Club and Community Transact	0.01%
Hume Bank	Community Link	0.01%
Bank of China	Current Account	0.01%
Bank of China	Current Account Statement	0.01%
bankWAW	Disability Support	0.01%
Police Bank	Easy Access Transaction Account	0.01%
Border Bank	Easy Access Transaction Account	0.01%
SWSbank	Everyday Account	0.01%
BankVic	Everyday Account	0.01%
Newcastle Permanent Building Society	Everyday Account	0.01%
IMB Bank	Everyday Account	0.01%
Maitland Mutual	Everyday Account	0.01%
Newcastle Permanent Building Society	Everyday Account with partial interest offset	0.01%
Maitland Mutual	Everyday Business Account	0.01%
Suncorp Bank	Everyday Options Account	0.01%
bankWAW	Everyday Transact	0.01%
Laboratories Credit Union	Everyday Transaction Account	0.01%
IMB Bank	Real Estate Business Account	0.01%
Police Bank	Safeguard Transaction Account	0.01%
Border Bank	Safeguard Transaction Account	0.01%
People's Choice and Heritage	Simply Access Transaction Account	0.01%
Queensland Country Bank	SmartBudget	0.01%
CBA	Standard Business Cheque Account - Interest Bearing Option	0.01%
Hume Bank	Tax Manager	0.01%
bankWAW	WAW Business Basic	0.01%
bankWAW	WAW Club and Community Transact	0.01%
bankWAW	WAW Line of Credit	0.01%
People's Choice and Heritage	Youth Simply Access Transaction Account	0.01%
bankWAW	Youth Transact	0.01%