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Best bank in Australia: Big Four vs smaller banks

The Big Four banks are Australia's largest banks. But are they Australia's best banks? Here's how they stack up.

Commonwealth Bank, Westpac, NAB and ANZ are known as Australia's "Big Four" banks. Together these institutions dominate the market. Most Australians have a bank account, credit card or home loan with one or more of the Big Four.

What is the best bank in Australia?

Biggest doesn't necessarily mean best, and there's no simple way to determine which is the best bank in Australia.

However, you can use Finder's monthly top picks and our annual Finder Awards to find some of the best bank accounts and loans on the market.

Best bank accounts

1 - Best no-fee bank account

Ubank Spend Account

$0
Monthly fee
$0
ATM withdrawal fees
Visa

Debit Card
The Ubank Spend account is one of the best bank accounts for no fees. Pay no account keeping fees, no local ATM fees at all major bank ATMs, no overseas ATM fees and no foreign transaction fees plus see your other bank accounts, super and investments all within your ubank app for free.

  • No account keeping fees
  • No overseas ATM fees or foreign transaction fees
  • Spending tracking tools
  • Access thousands of ATMs in Australia for free
  • Apple Pay and Google Pay available
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee

2 - Best bank account for travelling

HSBC Everyday Global Account

$0
Monthly fee
$0
ATM withdrawal fees
Visa

Debit Card
The HSBC Everyday Global Account is one of the best bank accounts for travelling. It has no account keeping fees, no international transaction fees and access to free ATMs around the world. You can hold up to 10 different currencies in the one account, which allows you to top up on a currency while the exchange rate is good, then spend in that local currency while you're overseas. Plus, earn 2% cashback on tap and pay purchases (T&Cs apply). It won a Finder Banking Award for best travel debit card.
  • Earn 2% cashback on tap and pay purchases under $100, up to $50 in cashback per month (subject to terms and conditions)
  • $0 monthly account fees and international account fees
  • Buy, hold and spend in up to 10 currencies with the HSBC app
  • Apple Pay and Google Pay available
  • You can only pre-load up to 10 currencies
  • Fees apply to deposit foreign currency notes into the account
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee

Every month Finder analyses the bank accounts in our database to find the best bank accounts for different types of customer.

See our full best bank account picks and criteria.

Best savings accounts

Best savings account overall: Ubank High Interest Save Account

Ubank High Interest Save Account

5.5%
Max variable rate p.a.
0%
Base interest rate p.a.
$500
Minimum deposit
Deposit $500 into any ubank account each month to activate bonus interest. 5.5% p.a. available on total savings up to $100,000. 5.00% p.a applies to savings between $100,000 - $250,000. No need to grow your balance or make card transactions to activate bonus interest. TMDs at ubank.com/tmd
  • $0 Account keeping fees
  • Earn up to 5.5% p.a. on your balance
  • Can setup savings targets
  • You earn no interest if you don't meet the bonus criteria each month
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee

Best high interest savings account rate: Rabobank High Interest Savings Account

Rabobank High Interest Savings Account

5.75%
Max variable rate p.a.
4.35%
Base interest rate p.a.
$0
Minimum deposit
The Rabobank High Interest Savings Account is the best savings intro rate account. This account has a maximum variable rate of 5.75% p.a. for the first 4 months. After that it reverts to a rate of 4.35% This account has no deposit or withdrawal conditions. Available on balances below $250,000.
  • Introductory rate of 5.75% p.a. for first 4 months
  • Flexible, transfer funds in and out and still earn the bonus rate
  • $0 Account keeping fees
  • Interest rate drops to 4.35% after the introductory period
  • No branches available
  • Online or phone access only
Rewards program N/A
Annual Fee $0
Purchase Rate
Welcome offer
Interest-free period Up to days on purchases
Balance transfer N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee

Every month Finder analyses the savings accounts in our database to find the best savings accounts for different types of savers.

See our full best savings account picks and criteria.

Alison Banney
Expert best bank account picks selected by Alison Banney – money editorial manager
Graham Cooke's headshot
Our expert says

"If you’re trying to decide between the big four banks or the smaller ones, why not both? Accounts cost nothing to open or maintain, so I like having a few; it means I can move my money around to wherever I can get the best interest rate in a given month."

Head of consumer research

Do the Big Four banks have the best savings rates?

This table shows savings accounts rates from the Big Four and many smaller banks. You can sort these accounts from lowest to highest interest rate.

1 - 20 of 27
Name Finder Score Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Ubank High Interest Save Account
Ubank logo
Finder score
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $500
  • Savings up to $100,000
Go to siteView details
Rabobank High Interest Savings Account
Rabobank logo
Finder score
Maximum Variable Rate p.a.
5.75%
Standard Variable Rate p.a.
4.35%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Go to siteView details
ING Savings Accelerator ($150,000 - $500,000)
ING logo
Finder score
Maximum Variable Rate p.a.
5.40%
Standard Variable Rate p.a.
4.70%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Welcome rate applies up to $500K
Go to siteView details
Suncorp Bank Growth Saver Account
Suncorp Bank logo
Finder score
Maximum Variable Rate p.a.
5.05%
Standard Variable Rate p.a.
0.35%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance by $200 each month (excl. interest)
  • Only 1 withdrawal
  • No balance limit on earning interest
Go to siteView details
Macquarie Savings Account
Macquarie Bank logo
Finder score
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
4.75%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Go to siteView details
ING Savings Maximiser
ING logo
Finder score
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.55%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1,000
  • 5 transactions
  • Grow your balance
  • Balances up to $100,000
Go to siteView details
Get 6 months free delivery and $50 Menulog credit with a new Orange Everyday & Savings Maximiser account. New ING customers only. Use code INGMENU1 and activate accounts by 24 Nov 2024. T&Cs apply.
Westpac Life (18-29 year olds only)
Westpac logo
Finder score
Maximum Variable Rate p.a.
5.20%
Standard Variable Rate p.a.
1.85%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Make a deposit
  • Grow your balance
  • 5 debit card purchases
  • Balances up to $30,000
Go to siteView details
IMB Reward Saver Account
IMB logo
Finder score
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $50
  • No withdrawals
  • Balances up to $1,000,000
View details
Earn up to 3.25% p.a. after the introductory period ends.
ME HomeME Savings Account
ME logo
Finder score
Maximum Variable Rate p.a.
5.55%
Standard Variable Rate p.a.
0.55%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $2000
  • Grow balance
  • Balances up to $100,000
View details
St.George Maxi Saver
St.George Bank logo
Finder score
Maximum Variable Rate p.a.
5.15%
Standard Variable Rate p.a.
1.10%
Intro/Ongoing
3 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Max Variable Rate includes 0.35% p.a. for 3 months for new customers who apply online
Newcastle Permanent Smart Saver Account - Under 25s
Newcastle Permanent logo
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance
  • No more than 2 withdrawals
View details
Australian Unity Freedom Saver ($50,001 - $250,000)
Australian Unity logo
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
5.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances of $50,001 and $250,000
View details
MyState Bank Bonus Saver Account
MyState Bank logo
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $20
  • 5 debit card purchases
  • Balances up to $250,000
View details
AMP Saver Account
AMP Bank logo
Finder score
Maximum Variable Rate p.a.
5.20%
Standard Variable Rate p.a.
1.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1000 in previous month
  • Balances up to $250,000
View details
Bankwest Hero Saver
Bankwest logo
Finder score
Maximum Variable Rate p.a.
4.60%
Standard Variable Rate p.a.
1.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $200
  • No withdrawals
  • Balances up to $250,000.99
View details
Great Southern Bank Home Saver Account
Great Southern Bank logo
Finder Award
Finder score
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.50%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $2,000
  • 5 Edge Account debit card purchases
View details
ANZ Online Saver
ANZ logo
Finder score
Maximum Variable Rate p.a.
3.65%
Standard Variable Rate p.a.
1.40%
Intro/Ongoing
3 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
NAB iSaver
NAB logo
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
2.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
View details
Westpac Life
Westpac logo
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
2.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Make a deposit
  • Grow your balance
  • Keep the balance above $0 at all times
View details
NAB Reward Saver
NAB logo
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.35%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • 1 deposit
  • No withdrawals
View details
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Showing 20 of 27 results
1 - 12 of 12
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
Newcastle Permanent Everyday Account
Newcastle Permanent logo
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Westpac Choice
Westpac logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay Digital Card
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
Eligible cardholders can get discounts when shopping at partner brands.

St.George Complete Freedom Account
St.George Bank logo
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Suncorp Bank Everyday Options Account
Suncorp Bank logo
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Eligible Visa Debit cardholders can get cashback when using their card to shop at partner retailers.

ING Orange Everyday Account
ING logo
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
1% cashback on utility bills (T&Cs apply)

Get 6 months free delivery and $50 Menulog credit with a new Orange Everyday & Savings Maximiser account. New ING customers only. Use code INGMENU1 and activate accounts by 24 Nov 2024. T&Cs apply.
MyState Bank Glide Account
MyState Bank logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
HSBC Everyday Global Account
HSBC logo
Finder AwardApple Pay Google Pay10 Currencies
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Earn 2% cashback on tap and pay purchases.


Great Southern Bank Everyday Edge Account
Great Southern Bank logo
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Bendigo Bank Everyday Account
Bendigo Bank logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$6
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
More Info
NAB Classic Banking
NAB logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
ANZ Access Advantage
ANZ logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Commonwealth Bank Smart Access
Commonwealth Bank logo
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$4
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
More Info
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Showing 12 of 12 results
1 - 15 of 15
Name Product AUFSA-TDA 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.
Newcastle Permanent Term Deposit
4.00%
4.00%
4.00%
4.75%
3.80%
4.55%
4.00%
Judo Bank Term Deposit
5.00%
5.15%
5.00%
4.75%
ING Term Deposit
4.85%
4.85%
4.95%
4.65%
4.95%
4.40%
Bankwest Term Deposit
3.75%
3.00%
3.00%
4.25%
4.00%
4.70%
3.90%
BCU Term Deposit
4.30%
4.00%
4.90%
4.40%
4.00%
3.80%
3.80%
Great Southern Bank Term Deposit Account
4.65%
2.95%
4.70%
4.55%
3.05%
4.45%
4.20%
More Info
Great Southern Bank Platinum Plus 55+
4.55%
4.30%
More Info
MyState Bank Online Term Deposit
4.00%
4.20%
4.95%
4.60%
4.80%
4.65%
3.95%
More Info
Macquarie Bank Term Deposit
4.95%
4.90%
4.80%
4.60%
3.90%
More Info
Rabobank Term Deposit
4.85%
4.90%
4.55%
4.00%
More Info
Commonwealth Bank Term Deposit
3.20%
3.25%
3.35%
3.45%
3.55%
4.00%
3.80%
More Info
Westpac Term Deposit
3.25%
3.35%
3.45%
3.60%
3.60%
4.00%
3.80%
More Info
ANZ Term Deposit
0.05%
0.05%
0.05%
0.10%
0.10%
0.15%
0.15%
More Info
NAB Term Deposit
3.25%
3.35%
3.45%
3.60%
3.60%
4.50%
4.00%
More Info
Heartland Bank Term Deposit
4.85%
4.89%
4.90%
4.55%
More Info
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1 - 19 of 19
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Unloan logo
Principal & Interest20% min. depositOwner-occupierRefinance Only
Unloan logo
Principal & Interest20% min. depositOwner-occupierRefinance Only
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.5.90%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
5.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Go to site
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Go to site
Product NameGreater Bank Great Rate Discount Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 110%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Go to site
Up to $2,500 cashback
Eligible refinancers can get up to $2,500 cashback depending on loan value. Full terms and conditions apply.
Unloan logo
Principal & Interest20% min. depositInvestmentRefinance Only
Unloan logo
Principal & Interest20% min. depositInvestmentRefinance Only
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.29%
Comp. Rate p.a.6.20%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.29%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Go to site
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupierOffset accountSpecial Offer
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupierOffset accountSpecial Offer
Go to site
Product NameG&C Mutual Bank First Home Buyer
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.02%
Minimum Loan Amount$0
Maximum Loan Amount $5,000,000
Maximum Loan Term40 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.02%
Fees
Application: $0
Ongoing: $0 per month
Monthly Payment
Go to site
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.51%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.51%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Go to site
bcu logo
Principal & Interest40% min. depositOwner-occupier
bcu logo
Principal & Interest40% min. depositOwner-occupier
Product NameBCU OMG! Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.02%
Minimum Loan Amount$100,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.02%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.58%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.58%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Go to site
Macquarie Bank logo
Principal & Interest40% min. depositOwner-occupierOffset account
Macquarie Bank logo
Principal & Interest40% min. depositOwner-occupierOffset account
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.14%
Comp. Rate p.a.6.39%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.14%
Comparison Rate
6.39%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Product NameNewcastle Permanent Real Deal Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.03%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.03%
Fees
Application: $595
Ongoing: $0 p.a.
Monthly Payment
More Info
$3,000 cashback offer
Eligible purchasers and refinancers can get $2,000 or $3,000 depending on loan value, as long as LVR is 80% or lower. Terms and conditions apply.
Macquarie Bank logo
Principal & Interest30% min. depositOwner-occupierOffset account
Macquarie Bank logo
Principal & Interest30% min. depositOwner-occupierOffset account
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.14%
Comp. Rate p.a.6.39%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.14%
Comparison Rate
6.39%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupierOffset account
Macquarie Bank logo
Principal & Interest20% min. depositOwner-occupierOffset account
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.44%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.44%
Fees
Application: $0
Ongoing: $248 p.a.