Finder's all about finding a better deal, and our Provider of the Year awards identify those providers and brands who offer the best products and have the most satisfied customers. We combine in-depth analysis from our Product Awards and research across thousands of Australians in our Customer Satisfaction Awards. The results highlight the very best in finance, insurance and utilities, helping you make better financial decisions.
Super Fund of the year - Industry: UniSuper
UniSuper topped the rankings to emerge as Industry Super Fund of the Year thanks to strong performance and solid customer ratings.
Super Fund of the year - Retail: AMP
AMP was the Retail Super Fund of the Year due to market-leading performance across its funds and strong customer satisfaction scores.
Provider of the year - NBN: Superloop
Superloop took top spot for NBN broadband due to strong scores for customer satisfaction and a wide range of well-priced plans.
Provider of the year - Home Loans: Macquarie Bank
Macquarie Bank took the home loans crown thanks to exceptional scores for customer satisfaction and a broad range of mortgages that scored highly for owner-occupiers.
Provider of the year - Investor Home Loans: Macquarie Bank
Macquarie Bank also topped our investor loans category, again delivering well-rated products and high customer satisfaction scores.
Provider of the year - Owner Occupier Home Loans: ING
ING topped the owner occupier category for home loans, combining competitive products and strong customer preference.
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We determine our "Provider of the Year - Home Loans" using both product and customer satisfaction data.
Customer Satisfaction Score Home Loans
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer experience
- Mobile application experience
We collect responses for owner occupier and investor home loans.
Product Score for Home Loans
We assess products using our proprietary Finder Score product ratings, averaging the scores over a 12 month period. The overall product score is determined by averaging the highest eligible scoring product for each provider across the below categories
B.1 Owner Occupier Home Loans Product Score
B.1.1 Owner Occupier Variable Home Loans (Principal and Interest)
B.1.2 Owner Occupier Fixed Home Loans (1, 2 and 3 year terms Principal and Interest)B.2 Investor Home Loans Product Score
B.2.1 Investor Variable Home Loans (Principal and Interest)
B.2.2 Investor Fixed Home Loans (1, 2 and 3 year terms Principal and Interest)
B.2.3 Investor Variable Home Loans (Interest Only)
B.2.4 Investor Fixed Home Loans (1, 2 and 3 year terms Interest Only)B.3. Overall Product Score - Averaged across
B.3.1.Owner Occupier Variable Home Loans (Principal and Interest)
B.3.2 Owner Occupier Fixed Home Loans (1, 2 and 3 year terms Principal and Interest)
B.3.3 Investor Variable Home Loans (Principal and Interest)
B.3.4 Investor Fixed Home Loans (1, 2 and 3 year terms Principal and Interest)
B 3.5 Investor Variable Home Loans (Interest Only)
B 3.6 Investor Fixed Home Loans (1, 2 and 3 year terms Interest Only)Provider Score for Home Loans - Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Provider of the Year Home Loans - 50% Overall Product Score + 50% Customer Satisfaction Score
Provider of the Year Home Loans (Owner Occupier) - 50% Owner Occupier Home Loans Product Score + 50% Customer Satisfaction Score
Provider of the Year Home Loans (Investors) - 50% Investor Home Loans Product Score + 50% Customer Satisfaction ScoreEligible providers assessed
- Teachers Mutual Bank
- MyState Bank
- Beyond Bank
- NRMA Home Loans
- P&N Bank
- Qantas Money
- St.George Bank
- UniBank
- Hume Bank
- Unloan
- Virgin Money
- Cairns Bank
- Bank Australia
- Bendigo Bank
- Firefighters Mutual Bank
- NAB
- Bank of Melbourne
- BOQ
- Police Credit Union
- BankVic
- Qudos Bank
- Bankwest
- Southern Cross Credit Union
- Adelaide Bank
- BCU Bank
- AMP Bank
- Westpac
- Credit Union SA
- Ubank
- BankSA
- Aussie
- Firstmac
- Newcastle Permanent
- Easy Street
- Macquarie Bank
- ME
- Bank First
- Suncorp Bank
- G&C Mutual Bank
- HSBC
- Horizon Bank
- ING
- Police Bank
- Great Southern Bank
- People's Choice Credit Union
- Heritage Bank
- IMB
- Athena Home Loans
- Gateway Bank Ltd
- Commonwealth Bank
- RAMS
- Freedom Lend
- Homeloans
- ANZ
- loans.com.au
Provider of the year - Credit Cards: ANZ
ANZ had a strong showing across multiple card categories, including balance transfer, frequent flyer, rewards and business cards, as well as high customer satisfaction.
Provider of the year - Rewards Credit Cards: American Express
American Express took out this category for the second year running, with a strong suite of rewards options across the board.
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We determine our "Provider of the Year - Credit Cards" using both product and customer satisfaction data.
Customer Satisfaction Credit Cards
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer Experience
Product Score for Credit Cards
We assess products using our proprietary Finder Score product ratings, averaging the scores over a 12 month period. The overall product score is determined by averaging the highest scoring product for each provider across the below categories:
- Balance Transfers
- Rewards
- Frequent Flyer
- Low Rate
- Low Fee
Provider Score for Credit Cards
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- Citi
- American Express
- CommBank
- BOQ
- ANZ
- Westpac
- BankSA
- Qantas Money
- Bendigo Bank
- Bankwest
- Bank of Melbourne
- HSBC
- St.George Bank
- NAB
- Coles
Provider of the Year - Rewards Credit Cards (Personal)
We determine our "Provider of the Year - Rewards Credit Cards" using both product and customer satisfaction data.
Customer Satisfaction Rewards Credit Cards
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer Experience
Product Score for Rewards Credit Cards
We assess products using our proprietary Finder Score product ratings, averaging the scores over a 12 month period. The overall product score is determined by averaging the highest scoring product for each provider across the below categories
- Rewards
- Frequent Flyer
Provider Score for Credit Cards
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- Citi
- American Express
- CommBank
- BOQ
- ANZ
- Westpac
- BankSA
- Qantas Money
- Bendigo Bank
- Bankwest
- Bank of Melbourne
- HSBC
- St.George Bank
- NAB
- Coles
Bank of the year - Australia: ING
ING won Bank of the Year for Banking Products thanks to competitive rates, impressive features and high customer satisfaction scores across home loans, personal loans, car loans, term deposits, savings account and transaction accounts.
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We determine our Bank of the Year using both product and customer satisfaction data. Providers must offer home loans, credit cards, personal loans, savings accounts, term deposits and transaction accounts to be eligible for the award.
Customer Satisfaction Score
We ask Australians to rate providers across deposit and lending products and calculate a weighted average based on the responses we receive.
A.1 Lending Portfolio Customer Satisfaction Score
A.1.1 Home Loans Customer Satisfaction Score (60% of Lending Portfolio Customer Satisfaction Score)
Average of- Trust Score
- Customer service Score
- Mobile app experience score
A.1.2 Personal Loans and Car Loans Customer Satisfaction Score (30% of Lending Portfolio Customer Satisfaction Score)
Average of- Trust Score
- Customer service Score
A.1.3 Credit Cards Customer Satisfaction Score (10% of Lending Portfolio Customer Satisfaction Score)
Average of- Trust Score
- Customer service Score
A.2 Deposit Portfolio Customer Satisfaction Score
A.2.1 Savings Accounts Customer Satisfaction Score (70% of Deposit Portfolio Customer Satisfaction Score)
Average of- Trust Score
- Customer service Score
- Mobile app experience score
A.2.2 Term Deposits Customer Satisfaction Score (15% of Deposit Portfolio Customer Satisfaction Score)
Average of- Trust Score
- Customer service Score
A.2.3 Transaction Accounts Customer Satisfaction Score (15% of Deposit Portfolio Customer Satisfaction Score)
Average of- Trust Score
- Customer service Score
- Mobile app experience score
A. Customer Satisfaction Score
- 60% Lending Portfolio Customer Satisfaction Score (A.1)
- 40% Deposit Portfolio Customer Satisfaction Score (A.2)
Product Score
Providers are assessed over a range of lending and deposit products offered.
B.1 Lending Product Portfolio Score
B.1.1 Home Loans Product Score (60% of Lending Product Portfolio Score)
Weighted average for the products with the highest annualised Finder Score across the below categories
- Owner Occupier Variable Principal and Interest (60% weighting)
- Investor Variable Principal and Interest (15% weighting)
- Investor Variable Interest Only (15% weighting)
- Owner Occupier Fixed Principal and Interest - 1 to 5 year terms (5% weighting)
- Investor Fixed Principal and Interest and Interest Only- 1 to 5 year terms (5% weighting)
B.1.2 Credit Cards Product Score (10% of Lending Product Portfolio Score)
Weighted average for the products with the highest annualised Finder Score across the below categories
- Low Rate Credit Cards (70% weighting)
- Rewards Credit Cards (30% weighting)
B.1.3 Personal Loans and Car Loans Product Score (30% of Lending Product Portfolio Score)
Weighted average for the products with the highest annualised Finder Score across the below categories
- Unsecured Personal Loans (15% weighting)
- Secured Personal Loans / Car Loans (15% weighting)
B.2 Deposit Product Portfolio Score
B.2.1 Savings Account Product Score (70% of Deposit Product Portfolio Score)
Average score over 6 months across the below categories
- Bonus rate savings accounts (50% weighting)
- No conditions savings accounts (50% weighting)
B.2.2 Term Deposit Product Score (15% of Deposit Product Portfolio Score)
Average Finder Score over 12 months across the below categories
- 12 month term deposit
B.2.3 Transaction Accounts Product Score (15% of Deposit Product Portfolio Score)
Eligible products with the highest annualised Finder Score per provider.
Product Score
- 60% Lending Product Portfolio Score (B.1)
- 40% Deposit Product Portfolio Score (B.2)
Bank of the Year Score
- 50% Customer Satisfaction Score (A)
- 50% Product Score (B)
Eligible providers assessed
- AMP Bank
- ANZ
- Australian Military Bank
- Bank Australia
- Bank of Melbourne
- Bank of Queensland
- BankSA
- BankVic
- Bankwest
- Bendigo Bank
- Beyond Bank
- Commonwealth Bank
- Credit Union SA
- Defence Bank
- Great Southern Bank
- Greater Bank
- Heritage Bank
- HSBC
- IMB
- ING
- Macquarie Bank
- ME
- MyState Bank
- NAB
- Newcastle Permanent
- P&N Bank
- People's Choice
- Police Bank
- Qudos Bank
- Rabobank
- RACQ Bank
- Regional Australia Bank
- St.George Bank
- Suncorp Bank
- Teachers Mutual Bank
- UBank
- Up
- Virgin Money
- Westpac
Provider of the year - Deposits: Bank of Queensland
Bank of Queensland topped the deposits category in a competitive year, with strong rates and strong customer rankings.
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We determine our "Provider of the Year - Deposits" using both product and customer satisfaction data.
Provider Score Savings Accounts
Customer Satisfaction Score Savings Accounts - We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer Experience
- Mobile Application Experience
Providers must have received a minimum of 30 responses to be eligible for the award.
Product Score for Savings Accounts
We assess eligible products over a 6 month period, for the interest earned over a year and features, across 2 categories
- Bonus rate Savings Accounts
- No conditions Savings Accounts
Product Score weightings
- Interest earned over a 1 year period (calculated on a $35,000 balance) - 90%
- Product features (deposit, account balance, withdrawal and deposit restrictions) - 10%
Kids accounts and pensioner accounts are excluded for our ratings for the provider of the year awards. We assume customers meet the required conditions to unlock the maximum rate for accounts that require conditions to be met. We calculate and average this score for each product over 6 months (May-2025 - October 2025)
Provider Score for Savings Accounts
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Customer Satisfaction Score for Term Deposits
We ask Australians to rate providers and average out the responses we receive for.
- Trust
- Customer Experience
Providers must have received a minimum of 30 responses to be eligible for the award.
Product Score for Term Deposits
We assess 12 month term deposit products, aggregating their score over a 1 year period (November-2024 - October 2025)
Product Score weightings
- Interest rate for a 12 month term deposit - 90%
- Product features (terms available, joint account availability) - 10%
Provider Score for Term Deposits
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Provider of the Year - Deposits
- 50% Provider Score for Savings Accounts
- 50% Provider Score for Term Deposits
Eligible providers assessed
- ANZ
- Bank Australia
- Bank of Queensland
- Bankwest
- Bendigo Bank
- Commonwealth Bank
- Heritage Bank
- HSBC
- ING
- Judo Bank
- Macquarie Bank
- ME Bank
- NAB
- Rabobank
- St.George
- Suncorp
- UBank
- Westpac
Provider of the year - Mobile Phone Plans: ALDI Mobile
A combination of keenly priced plans with generous features, good network service and satisfied customers saw ALDI Mobile take out this competitive category.
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We determine our "Provider of the Year - Mobile Plans" using both product and customer satisfaction data.
Customer Satisfaction Score Mobile Plans
We ask Australians to rate providers and average out the responses we receive for.
- Trust
- Customer Experience
- Reliability
Product Score for Mobile Plans
We average the scores for each product for the 3 categories
- High Data
- Value
- Long Expiry
Feature High Data Value Long Expiry Cost over 12 months 20% 60% 35% Data allowance over 12 months 65% 25% 35% Network provider coverage 10% 10% 25% Wi-Fi calling 2.50% 2.50% 5.00% Data Rollover 2.50% 2.50% Provider Score for Mobile Plans
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- ALDI Mobile
- Kogan Mobile
- amaysim
- Optus
- Dodo
- Everyday Mobile (Woolworths)
- Vodafone
- Boost Mobile
- Telstra
- Belong Mobile
- TPG
Insurer of the year: Budget Direct
Budget Direct scooped the Insurer of the year crown with a strong performance across multiple categories for pricing, features and customer service.
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We determine our Insurer of the year by assessing and averaging the scores for each provider for their Provider of the Year (Car Insurance) and Provider of the Year (Home Insurance) scores.
Insurer of the year - Home Insurance: AAMI
AAMI has won this category two years in a row, with a competitive set of features and pricing and high customer satisfaction ratings.
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Customer Satisfaction Score
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer Experience
- Claims Experience
Responses are collected for providers at a state level, which are then nationally aggregated to determine an overall Customer Satisfaction Score for each provider. Providers must have received a minimum 40 responses in our annual customer satisfaction survey to be eligible for the award.
Product Score
Products are assessed for value and comprehensiveness using our proprietary Finder Score rating system, which assigns a price score and feature score for each eligible product. We assess home and contents insurance products for our awards.
Price Score
We collect up to 10 quotes per product across states (quotes collected for 2 houses per state), which are averaged to determine the price score per product. To be eligible to receive a price score, the provider must provide an online quote on their website. We collect quotes for a $500 excess on home and $200 excess for contents. Quotes for collected in July 2025 and November 2025.
Feature Score
We assess each product for more than 40 weighted features across Building Protection, Contents Protection, Natural Disaster Cover, Accidental and Malicious Damage and Additional/Optional Benefits, to determine a Feature Score for each product.
Product Score
Our product score averages each product's rating for value and comprehensiveness.
Provider of the Year Score Home Insurance
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- AAMI
- Allianz
- Budget Direct
- GIO
- NRMA
- Commonwealth Bank
- QBE
- Woolworths Everyday Insurance
- RACQ
- Suncorp
- Westpac
- Youi
Provider of the year - Car Insurance - National: Youi
Youi drove into first place for car insurance, with strong product features, value pricing and high customer satisfaction ratings.
Insurer of the year - Car Insurance - NSW: Budget Direct
In NSW, Budget Direct took out the top car insurance ranking, scoring well for products, pricing and service.
Insurer of the year - Car Insurance - VIC: Youi
In Victoria, Youi was the top car insurance choice, ranking well for satisfaction, pricing and features.
Insurer of the year - Car Insurance - QLD: Youi
Queenslanders went bananas for You car insurance's features, service and cost.
Insurer of the year - Car Insurance - SA: Budget Direct
Budget Direct was the first choice for South Australian drivers, with a winning combination of pricing, features and customer service.
Insurer of the year - Car Insurance - WA: Budget Direct
From Perth to Karatha and beyond, Budget District was the top car insurance choice in Western Australia, winning out on price, features and service.
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Customer Satisfaction Score
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer Experience
- Claims Experience
Responses are collected for providers at a state level, which are then nationally aggregated to determine an overall Customer Satisfaction Score for each provider. Providers must have received a minimum 40 responses in our annual customer satisfaction survey to be eligible for the award.
Product Score
Products are assessed for value and comprehensiveness using our proprietary Finder Score rating system, which assigns a price score and feature score for each eligible product. We assess comprehensive car insurance products for our awards.
Price Score
We collect up to 36 quotes per product, across gender, state and age profiles, which are weighted averaged to determine the price score per product. For state based awards, the price score is based on the quotes collected for the particular state. To be eligible to receive a price score, the provider must provide an online quote on their website. Quotes are collected semi-annually. Prices are collected for a 2020 Toyota Corolla 4 door automatic sedan, for a $850 excess. Quotes for collected in July 2025 and November 2025.
Feature Score
We assess each product for more than 20 weighted features across Core Protection, Environment and Weather Cover, Policy Flexibility and Convenience & Extras, to determine a Feature Score for each product
Provider of the Year Score Car Insurance
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- AAMI
- Allianz
- APIA
- Budget Direct
- GIO
- NRMA
- QBE
- RAA
- RACQ
- RACV
- Suncorp
- Youi
Insurer of the year - Life Insurance: Medibank
Medibank's competitive pricing and features led it to the top of the pile, alongside high customer satisfaction scores.
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We determine our "Provider of the Year - Life Insurance" using both product and customer satisfaction data.
Customer Satisfaction Score Life Insurance
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer Experience
- Claims Experience
Product Score for Life Insurance
We assess products for price and features, giving each product a score out of 10.
Price Score
Averaged across 16 personas, for quotes collected in April 2025 and August 2025.
Age Gender Smoking Status 25 years Male Non-smoker 35 years Male Non-smoker 45 years Male Non-smoker 55 years Male Non-smoker 25 years Female Non-smoker 35 years Female Non-smoker 45 years Female Non-smoker 55 years Female Non-smoker 25 years Male Smoker 35 years Male Smoker 45 years Male Smoker 55 years Male Smoker 25 years Female Smoker 35 years Female Smoker 45 years Female Smoker 55 years Female Smoker Feature Score
Feature Score - Coverage & Benefits 40% Maximum cover amount 15% Terminal Illness 5% Child Benefit 5% Optional TPD 2.50% Optional Trauma 2.50% Funeral Benefit 2.50% Serious illness 2.50% Guaranteed renewability 2.50% Accident cover 2.50% Feature Score - Customer Experience 10% Claims finalised 5% Online quote availability 5% Provider Score for Life Insurance
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- AAMI
- ahm
- Allianz
- Budget Direct
- HFC
- Insuranceline
- Medibank
- NobleOak
- RACWA
- Suncorp
- TAL
- Zurich
Insurer of the year - Pet Insurance: Budget Direct
Budget Direct scored a direct hit on pet owners' hearts, with highly rated customer service and competitive policies.
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We determine our "Provider of the Year - Pet Insurance" using both product and customer satisfaction data.
Customer Satisfaction Score Pet Insurance
We ask Australians to rate providers and average out the responses we receive for. Providers must have received a minimum of 30 responses to be eligible for the award.
- Trust
- Customer Experience
- Claims Experience
Product Score for Pet Insurance
We average the scores for each product for the 2 product award categories
- Value - 70% Price Score, 30% Feature Score
- Comprehensiveness - 70% Feature Score, 30% Price Score
We assess products for price and features, giving each product a score out of 10.
Price Score
Averaged across 35 pet personas, based on quotes collected for August 2025, excess of $100
Breed Persona Cavoodle Dog, male, cavoodle, 1yr old Cavoodle Dog, male, cavoodle, 2yrs old Cavoodle Dog, male, cavoodle, 4yrs old Cavoodle Dog, male, cavoodle, 5yrs old Cavoodle Dog, male, cavoodle, 6yrs old Border Collie Dog, female, border collie, 1yr old Border Collie Dog, female, border collie, 2yrs old Border Collie Dog, female, border collie, 5yrs old Border Collie Dog, female, border collie, 6yrs old Golden retriever Dog, female, golden retriever, 1yr old Golden retriever Dog, female, golden retriever, 5yrs old Golden retriever Dog, male, golden retriever, 1yr old Golden retriever Dog, male, golden retriever, 5yrs old Maltese cross Dog, female, maltese cross, 1yr old Maltese cross Dog, female, maltese cross, 5yrs old Labrador Dog, female, labrador, 1yr old Labrador Dog, female, labrador, 5yrs old Staffordshire bull terrier Dog, female, staffordshire bull terrier, 1yr old Staffordshire bull terrier Dog, female, staffordshire bull terrier, 5yrs old Staffordshire bull terrier Dog, male, staffordshire bull terrier, 1yr old Staffordshire bull terrier Dog, male, staffordshire bull terrier, 5yrs old Dachshund Dog, male, dachshund, 1yr old Dachshund Dog, male, dachshund, 2yrs old Dachshund Dog, male, dachshund, 3yrs old Dachshund Dog, male, dachshund, 4yrs old Dachshund Dog, male, dachshund, 5yrs old King charles cavalier spaniel Dog, male, king charles cavalier spaniel, 1yr old King charles cavalier spaniel Dog, male, king charles cavalier spaniel, 5yrs old Greyhound Dog, male, greyhound, 6 months Greyhound Dog, male, greyhound, 1yr old Greyhound Dog, male, greyhound, 5yrs old Domestic short hair Cat, male, domestic shorthair, 2yrs old Domestic short hair Cat, male, domestic shorthair, 6yrs old Tabby Cat, male, tabby, 1yr old Tabby Cat, male, tabby, 5yrs old Feature Score
Feature Score - Medical Coverage Accidental injury 10.00% Illness cover 10.00% Cancer treatment 8.00% Hereditary conditions 6.00% Skin conditions 5.00% IVDD 4.00% Cruciate ligament cover 4.00% Specialist care cover 4.00% Radiology cover 3.00% Lab tests / pathology 3.00% Alternative therapy 3.00% After-hours visits 3.00% Feature Score - Policy Terms Maximum yearly benefit 6.00% Reimbursement rate 6.00% Excess options available 3.00% Third-party liability cover 3.00% Feature Score - Routine and Preventative Care Dental care 6.00% Routine care 3.00% Microchipping cover 1.00% Feature Score - Claim and Coverage conditions Tick paralysis benefit 4.00% Paralysis tick benefit 3.00% Emergency boarding cover 2.00% Provider Score for Pet Insurance
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- Bow Wow Meow
- Budget Direct
- Bupa Pet Insurance
- Medibank
- Pet Insurance Australia
- Woolworths Everyday Insurance
Insurer of the year - Travel Insurance: Southern Cross Travel Insurance
Southern Cross Travel Insurance flew safely to the top spot, taking out insurer of the year for travel insurance with competitive pricing and happy customers.
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We determine our "Provider of the Year - Travel Insurance" using both product and customer satisfaction data.
Customer Satisfaction Travel Insurance
We ask Australians to rate providers and average out the responses we receive. Providers must have received a minimum of 30 responses to be eligible for the award.
- Trust
- Customer Experience
- Claims Experience
Product Score for Travel Insurance
We average the scores for each product for the 2 product categories
- Value - 20% Price Score, 80% Feature Score
- Comprehensiveness - 80% Feature Score, 20% Price Score
Price Score
We calculate an average price score per product, based on quotes collected for 10 travel personas, travelling from the 1st to 15th of June 2025.
Traveller Type Destination Single - 20 year old Bali Single - 20 year old Europe Single - 40 year old Bali Single - 40 year old Europe Single - 65 year old Bali Single - 65 year old Europe Family Bali Family Europe Couple Bali Couple Europe Feature Score
We assess up to 15 features across 3 categories to determine a Feature Score for each product.
Feature Weights Medical, Health & Personal Protection 30.00% Accidental Death 1.00% Dental Expenses 5.00% Hospital Cash Allowance 4.00% Overseas Emergency Medical and Hospital Expenses 15.00% Total Permanent Disability 4.00% Covid 19 Medical Expenses 1.00% Travel Disruption & Delay 40.00% Cancellation Fees and Lost Deposits 20.00% Alternative Travel Expenses 5.00% Travel Delay 10.00% Delayed Luggage 5.00% Luggage, Property & Liability 30.00% Luggage and Personal Effects 15.00% Theft of Cash 3.00% Travel Documents and Travellers Cheque 3.00% Rental Vehicle Excess 5.00% Personal Liability 4.00% Provider Score for Travel Insurance
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- 1Cover
- ahm
- Allianz
- Cover-More
- Fast Cover
- Medibank
- NIB
- Southern Cross Travel Insurance
- Tick Travel Insurance
- Zoom Travel Insurance
- Qantas
- Travel Insurance Direct
- Australia Post
- InsureandGo
- World2Cover
- Travel Insurance Saver
- Freely
- Insure4less
- Budget Direct
Provider of the year - Health Fund: ahm
ahm is our winner for Insurer Of The Year - Health Fund, topping the rankings after a rigorous assessment of policies, features and customer satisfaction feedback.
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We determine our "Provider of the Year - Health Insurance" using both product and customer satisfaction data.
Customer Satisfaction Score
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Customer Experience
- Claims Experience
Product Score
We assess Hospital and Extras products individually, across states and demographics, to determine an overall product score across different categories. Each provider is assigned a Product Score which is the average of its Hospital Cover Score and Extras Cover Score.
Hospital Cover Score
Each provider is assigned a weighted average Hospital Cover Score, based on product offerings across different demographics, state and product categories
We determine the weights for each product category and customer type based on the number of policies sold as reported in the PHIIA 2025 State of the Sector Survey. We determine the weights for each state based on ABS Population data.
Hospital Product Score - weightings by category
Each Hospital cover product is assigned a Hospital Product Score, which includes a Price and Feature Score. The highest scoring product for each grouping of Demographic, State and Cover Type is selected to determine the Hospital Cover Score per provider.
- Basic - 80% Price Score, 20% Feature Score
- Bronze - 70% Price Score, 30% Feature Score
- Silver - 60% Price Score, 40% Feature Score
- Gold - 50% Price Score, 50% Feature Score
Hospital Product Feature Score
Number of treatments covered - 70% of the feature score.
Gap score - 15% of the feature score calculated at a provider level using data from the Commonwealth Ombudsman, based on the proportion of medical service for which a gap is not payable or where the insurer pays the additional benefit).
Benefits score - 15% of the feature score where providers are assessed using data from the Commonwealth Ombudsman, based on the percentage of total contributions received by the insurer and return to contributors in benefits.Hospital Product Price Score
Annualised pricing for each product, based on data from October 2025, from privatehealth.gov.au. Hospital cover products are grouped by state (NSW, VIC, QLD, WA, TAS, SA, NT) and lifestage (Single, Single Parent Families, Couples, Families) to determine the best products with a $750 excess, across each category - Basic, Bronze, Silver and Gold. Plus policies are included in their base category.
Extras Cover Score
We classify Extras products into 3 categories - Core, Medium and Comprehensive, based on the extras treatments each product offers. Each product can only be classified in a single category.
Each provider is assigned a weighted average Extras Cover Score, based on product offerings across different demographics, state and product categories
Each Extras product is assigned a Product Score that comprises a Price Score (50%) and Feature Score (50%). We select the highest scoring product per provider for each demographic, state and product type grouping, which is then weighted averaged to determine the Extras Cover Score per provider.
Extras Product Price Score
Annualised pricing for each product, based on data from October 2025, from privatehealth.gov.au. Extras cover products are grouped and scored by state (NSW, VIC, QLD, WA, TAS, SA, NT) and lifestage (Single, Single Parent Families, Couples, Families) to determine the best products across each category - Core, Medium and Comprehensive. Ambulance Only products are not considered.
Extras Product Feature Score
We score each of the following treatment options based on their limits and waiting periods
Weights Core Medium Comprehensive Ambulance 40% 20.00% 15.00% General Dental 40% 20.00% 15.00% Optical 5% 12.00% 10.00% Physiotherapy 4% 10.00% 8.00% Chiropractic 1% 10.00% 8.00% Major Dental 1% 10.00% 8.00% Remedial Massage 1% 2.50% 5.00% Acupuncture 1% 2.50% 5.00% Endodontic 1% 2.50% 5.00% Non PBS 1% 2.50% 5.00% Podiatry 1% 2.50% 5.00% Psychology 1% 2.50% 5.00% Orthopaedic 1% 1.00% 2.00% Glucose monitors 1% 1.00% 2.00% Hearing aids 1% 1.00% 2.00% Provider of the Year Score
- 50% Customer Satisfaction Score
- 50% Product Score
Eligible providers assessed
- AHM
- Bupa
- HCF
- Medibank
- NIB
- HBF
- Australian Unity
- Qantas
- AAMI
- GMHBA
- AIA
- Apia
- CBHS
Provider of the year - Share Trading Platform: CMC Invest
CMC Invest takes the overall crown for Provider Of The Year Award for Share Trading thanks to its offering of fifteen different international markets and zero brokerage on US, UK, Canada and Japanese stocks. With over thirty years' experience and more than a million global clients, they combine deep experience with ease of use.
CMC Invest takes the overall crown for Provider Of The Year Award for Share Trading thanks to its offering of fifteen different international markets and zero brokerage on US, UK, Canada and Japanese stocks. With over thirty years' experience and more than a million global clients, they combine deep experience with ease of use.
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We determine our “Provider of the Year - Share Trading Platforms” using both product and customer satisfaction data.
Customer Satisfaction Share Trading Platforms
We ask Australians to rate providers and average out the responses we receive for
- Trust
- Value
- Customer Experience
Product Score for Share Trading Platforms
We rate products across various categories, using averaging the scores to determine an overall product score. The categories considered in the award are
- Casual Traders
- Advanced Traders
- Australian Shares
- US Shares
- Features
- Low Cost
Provider Score for Share Trading Platforms
Our provider of the year score amalgamates the product score and customer satisfaction score, weighting each 50%.
Eligible providers assessed
- IG Share Trading
- Webull
- Tiger Brokers
- CMC Invest
- Superhero Share Trading
- Interactive Brokers Australia
- Stake Share Trading
- eToro
- Westpac Share Trading
- Bell Direct Share Trading
- Totality
- Sharesies
- EasyEquities Share Trading
- Pearler Share Trading
- CommSec Share Trading Account
- Selfwealth
- Syfe
- nabtrade
- Netwealth Share Trading
- St. George Directshares
- Revolut
- Vanguard Personal Investor
- Bendigo Invest Direct
- Phillip Capital
- Marketech share trading
- Halo Technologies
- HSBC WorldTrader
- amscot Share Trading
What's special about a Finder Award?
Money can't buy love… or a Finder Award. Why? We believe the brands with the best offer, not the biggest budgets should be able to use the Finder Awards medal.
It's hard to win a Finder Award as we only recognise one winner per category. That means you can trust the winning provider is the best of the best for that particular category.
Finder is totally independent, meaning the Awards are unbiased and objective. We established the Finder Awards to help people around the world easily identify the best products and brands and conduct research independent of any commercial agreements.
72% of Australians trust awards programs more when brands don't have to pay to use the awards badge. That's why Finder doesn't charge brands to supply a submission or to utilise the Finder Awards badge in their marketing.
Meet our experts

Graham Cooke, Head of consumer research
Graham Cooke is Finder’s Head of Consumer Research, leading the team responsible for gathering and analysing data on everything from consumer spending and saving habits to how different financial products perform in the real world.

Angus Kidman, Editor-at-large
Angus Kidman is Finder’s global editor-at-large and an award-winning journalist with over 30 years of experience reporting on technology, travel, finance and more.

Richard Whitten, Money editor
Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 7 years.

Alison Banney, Editor, Money
With over 10 years of experience writing about personal finance, Alison has written extensively for a range of financial institutions and publications including Westpac, Money Magazine and Financy.

Mariam Gabaji, Editor, utilities
Mariam is Finder's utilities expert. She's responsible for reviewing the criteria we use to determine award winners across each category.

Rebecca Pike, Senior writer, Money
Rebecca is a senior writer at Finder covering all things money. She has been writing about the home loan market in Australia for 5 years.

Ceyda Erem, Senior writer, Insurance
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance.
All the Finder Awards
Check out the best of the best, judged by experts.
Explore our past award winners
-
- Provider of the year - Home loans: uBank
- Provider of the year - Credit cards: NAB
- Provider of the year - Rewards credit cards: American Express
- Provider of the year - Savings and deposits: ING
- Insurer of the year - Home insurance: AAMI
- Insurer of the year - Car insurance: Budget Direct
- Provider of the year - Mobile Phone Plans: Belong
- Provider of the year - Broadband: TPG
- Provider of the Year - Super Fund: Hostplus
Explore all Finder Award winners
Angus Kidman is Finder’s global Editor-at-Large and an award-winning journalist with over 30 years of experience in tech, travel and finance. He was previously the editor of Lifehacker Australia and Australian Personal Computer, and is a recognised commentator, appearing on shows like Sunrise and The Project. A two-time IT Journalism Award winner, Angus has written for top publications such as The Sydney Morning Herald, the AFR, The Australian and Gizmodo, and is known for his expertise in travel rewards and consumer technology. See full bio
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Hello there can I keep my mobile number from NZ ?
Hi Daniel, you can’t directly transfer (or “port”) a New Zealand mobile number to an Australian mobile provider. This is because NZ and Australia have separate telecommunications systems and country codes. You can using a roaming add-on with your NZ SIM if the option is available but this is usually expensive unless it’s for a short period of time.