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Compare Bank Interest Rates

Compare interest rates online with our comparison tables.

Richard Whitten
Richard Whitten

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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

Data indicated here is updated regularly
$
years
Name Product Interest Rate (p.a.) Comp. Rate^ Application Fee Ongoing Fees Max LVR Monthly Payment
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan
2.29%
2.72%
$0
$8 monthly ($96 p.a.)
95%
$577.55
Up to $3,000 refinance cashback.
A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
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St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan
2.54%
2.56%
$0
$0 p.a.
80%
$596.91
Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 80% of the property's value. (Terms, conditions & exclusions apply).
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Macquarie Bank Basic Home Loan - LVR ≤ 60% (Owner Occupier, P&I)
Macquarie Bank Basic Home Loan
2.49%
2.49%
$0
$0 p.a.
60%
$593.01
A competitive variable rate home loan for owner-occupiers. Requires a 40% deposit.
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UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate
2.34%
2.34%
$0
$0 p.a.
80%
$581.39
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
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HSBC Fixed Rate Home Loan - 2 Year Fixed Rate LVR 80% or below (Owner Occupier, P&I)
HSBC Fixed Rate Home Loan
1.88%
2.98%
$0
$0 p.a.
80%
$546.6
Lock in a competitive fixed rate for 2 years and buy your home with a 20% deposit.
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Athena Celebrate Home Loan - 60% LVR Owner Occupier, P&I
Athena Variable Home Loan
2.19%
2.19%
$0
$0 p.a.
60%
$569.91
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.
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Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan
2.54%
2.55%
$0
$0 p.a.
80%
$596.91
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.
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Well Home Loans Balanced Fixed Home Loan - 1 Year (Owner occupier, P&I)
Well Home Loans Balanced Fixed Home Loan
1.94%
2.18%
$250
$0 p.a.
90%
$551.07
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.
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Suncorp Home Package Plus Fixed - 2 Year Fixed Rate Special Offer $150k+ LVR ≤80% (Owner Occupier, P&I)
Suncorp Home Package Plus Fixed
1.89%
2.94%
$0
$0 p.a.
80%
$547.35
Lock in a low fixed rate loan for two years and get the annual package fee waived in the first year. Available for borrowers with 20% deposits.
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UBank UHomeLoan - 3 Year Fixed Rate (Owner Occupier, P&I)
UBank UHomeLoan Fixed
1.95%
2.27%
$0
$0 p.a.
80%
$551.82
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
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Compare credit card rates

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card
Citi Rewards Card
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
30-Month Balance Transfer & Annual Fee Discount
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
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Coles No Annual Fee Mastercard
Coles No Annual Fee Mastercard
0% p.a. for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
0% Purchase & Balance Transfer Offers
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months. Ends 31 January 2021.
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Qantas Premier Platinum
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
Balance Transfer Offer & 100,000 Bonus Points
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
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St.George Vertigo Classic
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 24 months
$0 annual fee for the first year ($55 p.a. thereafter)
0% Balance Transfer Offer & $0 First-Year Annual Fee
Get 0% p.a. promotional balance transfer rate, with no balance transfer fee. Plus, save with a first-year annual fee waiver.
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ANZ Low Rate
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% p.a. on balance transfers for 25 months (with a 1.5% BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
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NAB Qantas Rewards Signature Card
Finder Award
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Up to 130,000 bonus Qantas Points & First-Year Annual Fee Discount
Up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, a reduced first year annual fee.
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Compare personal loan rates

Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee
Plenti Fixed Rate Personal Loan
Plenti Fixed Rate Personal Loan

From 5.99% (fixed)
6.27%
$2,001
3 to 5 years
From $99 to $499
$0
You'll receive a fixed rate between 5.99% p.a. and 15.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
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Symple Loans Personal Loan
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
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Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

From 6.99% (fixed)
7.79%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 6.99% p.a. and 25.69% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.
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OurMoneyMarket Personal Loan
OurMoneyMarket Personal Loan

From 6.75% (fixed)
6.96%
$2,001
1 to 7 years
1.5–6% of your total loan amount
$0
You'll receive a fixed rate from 6.75% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.
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Alex Personal Loan
Alex Personal Loan

From 6.95% (fixed)
6.95%
$2,100
6 months to 5 years
$0 (waived $295)
$0
You'll receive a fixed interest rate from 6.95% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Benefit from no ongoing fees. Note: Waived $295 establishment fee for all applications submitted before 15 February 2021.
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SocietyOne Unsecured Personal Loan (2-3 years)
SocietyOne Unsecured Personal Loan (2-3 years)

From 6.99% (fixed)
6.99%
$5,000
2 to 3 years
from 0% to 5% of the loan amount
$0
You'll receive a fixed rate between 6.99% p.a. and 17.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
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Compare savings account rates

Data indicated here is updated
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Interest Earned Product Description
Westpac Life (18-29 year olds only)
Westpac Life (18-29 year olds only)
3.00%
0.20%
2.80%
$0
You can earn an ongoing, variable 3.00% p.a. each month you grow your balance (excluding interest earned), keep your balance above $0 and make 5+ debit card purchases from your linked Westpac Choice transaction account which are all settled (not pending) within the month. The maximum variable rate of 3.00% p.a. is available on balances up to $30000 for customers aged 18-29.
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MyState Bank Bonus Saver Account
MyState Bank Bonus Saver Account
1.20%
0.10%
1.10%
$0
Ongoing, variable 1.20% p.a. when you deposit at least $20 into the account each month and make five or more Visa Debit card transactions from a linked MyState transaction account. Bonus interest available on balances up to $250,000.
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HSBC Flexi Saver Account
HSBC Flexi Saver Account
0.85%
0.05%
0.80%
$0
Ongoing, variable 0.85% 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.
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Citibank Online Saver
Citibank Online Saver
1.10%
0.35%
0.75%
$0
Introductory rate of 1.10% p.a. for 4 months, reverting to a rate of 0.35% p.a. Available on balances below $500,000.
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HSBC Serious Saver
HSBC Serious Saver
0.90%
0.05%
0.85%
$0
Receive a maximum variable rate of 0.90% p.a. for 4 months, reverting to an ongoing rate of 0.05% p.a. for each month you don't make any withdrawals from the account. Available on balances below $1,000,000.
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Bankwest Hero Saver
Bankwest Hero Saver
0.80%
0.01%
0.79%
$0
Ongoing, variable 0.80% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
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Westpac Life
Westpac Life
0.55%
0.20%
0.35%
$0
Ongoing, variable 0.55% p.a. each month you deposit money, and make sure your balance is higher at the end of the month than it was at the beginning. No monthly account-keeping fee.
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Compare term deposit rates

Data indicated here is updated regularly
Name Product 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a.
Judo Bank Term Deposit
Finder Award
Judo Bank Term Deposit
0.81%
-
-
0.82%
-
0.89%
1.30%
Earn a 0.10% p.a. loyalty bonus when you roll over your term.
The Judo Bank Term Deposit term lengths range from three months to five years. Minimum opening deposit is $1,000. No account-keeping or set-up fees to pay.
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AMP Term Deposit $5000+
AMP Term Deposit $5000+
0.40%
0.40%
0.40%
0.50%
0.50%
0.55%
0.40%
Lock your money with AMP Bank Term Deposit Account and enjoy a great competitive rate with no fees.
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Citibank Term Deposit $10,000
Citibank Term Deposit $10,000
0.60%
-
-
0.60%
-
0.60%
-
Suited to customers with deposits between $10,000 and $249,999.
This term deposit is for new Citibank customers only
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AMP Term Deposit $25,000+
AMP Term Deposit $25,000+
0.60%
0.60%
0.60%
0.70%
0.70%
0.75%
0.60%
Lock your money with AMP Bank Term Deposit Account and enjoy a great competitive rate with no fees.
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*The offers on this page are chosen from a range of products available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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

More guides on Finder

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

More info
Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).

More info
Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

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Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

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