Compare Bank Interest Rates

Compare interest rates online with our comparison tables.

Comparing interest rates is free and easy with Finder. On this page you can make quick comparisons of interest rates on mortgages, personal loans, credit cards, savings accounts and term deposits. The products in our comparison tables represent a broad snapshot of the market, with competitive products from banks and lenders big and small.

You can also learn more about how interest rates work below the tables.

Compare bank interest rates for a range of products

Compare home loan rates

Rates last updated August 23rd, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.09%
3.05%
$0
$0 p.a.
80%
Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.
3.09%
3.09%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
2.79%
3.95%
$0
$0 p.a.
90%
Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
2.99%
4.09%
$300
$10 monthly ($120 p.a.)
80%
Get a very low fixed rate for three years and lock in low repayments. Available with a low deposit.
3.49%
3.45%
$0
$0 p.a.
80%
A competitive variable mortgage for investors looking to refinance. Principal and interest repayments. Refinancers only.
3.39%
3.91%
$0
$10 monthly ($120 p.a.)
90%
Get a low discounted rate for 2 years plus a 100% offset account. And you can get the loan with a 10% deposit.
3.15%
4.16%
$600
$0 p.a.
95%
Home buyers can fix their interest rate for one year. Includes a 100% offset account.
3.15%
3.19%
$500
$0 p.a.
95%
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
3.15%
4.07%
$600
$0 p.a.
95%
Fix your rate for the first two years with this loan for home buyers. Includes a 100% offset account.
3.69%
3.88%
$0
$10 monthly ($120 p.a.)
80%
This is a competitive, flexible variable rate suitable for borrowers with a good credit history. Borrow up to 80%.

Compare up to 4 providers

Compare credit card rates

Rates last updated August 23rd, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum Credit Card with a Low Interest Rate*
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
0% p.a. Balance Transfer Offer
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
Citi Rewards Platinum Credit Card - Exclusive Offer
0% for 13 months, reverts to 20.99% p.a.
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. Purchase & Balance Transfer Offers
Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Low Purchase Rate and Balance Transfer Offer
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
St.George Vertigo Platinum
12.99% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Low Rate Platinum Card with Long-term Balance Transfer Offer
Features a long-term 0% balance transfer offer, $49 first year annual fee and access to a 24/7 personal concierge service.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
20.74% p.a.
0% p.a. for 20 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Discounted First Year Annual Fee & Balance Transfer Offer
Finder Exclusive ends 31 August 2019:
Save with a 0% balance transfer offer and a $49 first year annual fee when you apply online.

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Compare personal loan rates

Updated August 23rd, 2019
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee
From 8.99% (variable)
9.67%
$5,000
3 to 5 years
$0 ($199 establishment fee waived)
$10
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.67% p.a. to 18.6% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: The establishment fee will be waived if you apply before 30 September 2019.
8.99% (fixed)
9.13%
$5,000
2 to 5 years
$100
$0
You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.
From 8.95% (fixed)
10.56%
$5,000
18 months to 7 years
$495 (Based on $10,000)
$13
You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required.
From 5.99% (variable)
7.55%
$5,000
1 to 7 years
from 2% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.99% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
9.89% (fixed)
10.14%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.89% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
9.99% (fixed)
11.22%
$20,000
1 to 7 years
$250
$13
You'll receive a fixed rate of 9.99% p.a.
A secured or unsecured loan available to homeowners with a large minimum borrowing amount of $20,000. Benefit from flexible repayments and fast approval.

Compare up to 4 providers

Compare savings account rates

Rates last updated August 23rd, 2019
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
Rabobank Online Savings High Interest Savings Account
2.75%
1.30%
1.45%
$0
$0 / $0
Maximum variable rate of 2.75% p.a. for 4 months, reverting to a rate of 1.30% p.a. No deposit or withdrawal conditions. Available on balances below $250,000
UBank USaver
2019 Winner
UBank USaver
2.41%
1.35%
1.06%
$0
$0 / $0
Ongoing, variable 2.41% p.a. when you link your USaver account to a UBank Ultra transaction account and transfer at least $200 per month into either account. The linked transaction account has no monthly fees and no international fees. Bonus interest available on balances up to $200,000.
HSBC Flexi Saver Account
2.15%
0.65%
1.50%
$0
$0 / $0
Ongoing, variable 2.15% p.a. when you grow your balance by $300+ per month. Earn bonus interest even if you make withdrawals during the month. Available on balances up to $5,000,000.
Suncorp Growth Saver Account
2.05%
0.20%
1.85%
$0
$0 / $0
Ongoing, variable 2.05% p.a. when you make a total deposit of at least $200 and make no more than one withdrawal. Available on the entire balance.

Compare up to 4 providers

Compare term deposit rates

Rates last updated August 23rd, 2019
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a. Interest Earned
UBank Term Deposit Account
1.95%
1.95%
1.95%
-
1.95%
-
ANZ Term Deposit
1.00%
1.00%
1.00%
1.00%
1.05%
1.45%
Citibank Term Deposit 250K
2.40%
-
2.40%
-
-
-
ANZ Advance Notice Term Deposit (31 days notice required for early withdrawals)
1.60%
1.45%
1.60%
1.45%
1.70%
1.60%

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How do I compare interest rates?

An interest is simply the amount charged on top of money that is borrowed (or saved). The higher the interest rate, the higher the interest that is charged. If you're borrowing money in the form of a mortgage, personal loan or credit card then a lower interest rate is good: it means you pay less interest. But if you're saving money in a bank account or term deposit than a lower rate is bad: your money generates less interest.

How do interest rates impact me?

Interest rates determine how much your repayments are for whatever debt you’ve incurred. For example, if your home loan interest rate goes down, your regular repayments will drop as well. And if your lender doesn’t have as low an interest rate as you’d like, you can refinance to save money on those regular repayments.

To calculate the impact of different types of loans on your monthly repayments, you may to use our range of calculators.

How the RBA cash rate affects interest rates

The Reserve Bank of Australia sets the official cash rate. This affects a lot of interest rates, especially on savings accounts and mortgages. You can check out this page to see where economists and financial experts think the cash rate is heading. We poll the nation’s top economists each month on where they think the RBA cash rate is heading next and also take their temperature on our economy and housing market.

More helpful interest rate guides

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