Which banks and lenders are owned by the Big Four?

The Big Four aren't just competing with other banks. They own or invest in many other familiar financial institutions: Commonwealth Bank owns Unloan, an online lender, and Bankwest. The bank is also a major investor in Aussie Home Loans. Westpac owns St.George, Bank of Melbourne, BankSA and RAMS. NAB owns digital bank ubank, which merged with smaller digital lender 86 400 in 2022. ANZ acquired Suncorp Bank in July 2024, which continues to operate under its own banking licence as Norfina Limited, so deposits with Suncorp Bank are guaranteed separately from ANZ's.

Should I have all my cards, bank accounts and loans with the same bank?

Having all your financial products in one place makes managing your money very easy. Especially if your bank has a good online banking service or a well-designed app. Doing all your banking with one bank means you can transfer money between accounts almost instantly. This makes it easier to move cash from your savings account into your transaction account when you're running low. It makes it easier to manage your credit card and pay it off on time. For some, this convenience might even outweigh the benefits of getting a better deal on specific products.

Which bank accounts are great for students?

Several banks offer bank accounts specifically designed for students, providing features and benefits tailored to their needs. Most students have very basic requirements of a bank account: the ability to make purchases and track their spending on an app are key, along with low or no monthly fees or minimum balance requirements. When comparing different options, look for accounts that provide fee waivers, free ATM access and student discounts. Student savings accounts: These accounts are designed to help students start saving and often offer competitive interest rates. Look for accounts with no or minimal fees, no minimum balance requirements and easy accessibility. Some banks also provide additional perks for student accounts, such as discounts on shopping or entertainment, or special interest rates that only students can access. Check out some of the options for bank accounts designed for those under the age of 18.

Do smaller banks have better home loan rates?

In recent years online lenders and smaller credit unions have had the lowest interest rates. There are times when the Big Four has offered comparable rates, and it's always worth comparing the big banks when looking for a home loan. It is also worth noting that you should consider home loan fees and rates, as they can end up making the rate less competitive with other banks that have lower home loan fees. It's worth pointing out that Unloan has some of the market's lowest rates and is owned by CommBank.

Is it safer to bank with one of the Big Four?

The size of a bank doesn't necessarily make it safer. But Australia's Big Four are highly profitable and well capitalised. These banks are regulated by the Australian Prudential Regulation Authority (APRA), which requires all banks to maintain a buffer of capital to meet sudden unexpected withdrawals from customers. The biggest banks are subject to stronger requirements than other banks. But for the ordinary consumer all Australian banks are relatively safe. If you bank with any authorised deposit-taking institution (ADI), which includes big banks, small banks and credit unions, money in your savings accounts is protected by the Financial Claims Scheme. This scheme protects up to $250,000 of your savings, per ADI, per account holder, if the institution collapses.

What are the best benefits of the Big Four banks?

While it's hard to measure a bank's convenience, it's undeniable that the Big Four banks have the most extensive network of ATMs and physical bank branches. Westpac for example has 997 bank branches across the country. Major bank call centres can operate for longer hours (typically 8am–8pm) and you may have access to customer service 24/7 for financial emergencies or if you're overseas. Smaller Australian banks and credit unions cannot offer a similar level of service. Smaller banks are often entirely online (like ING) or have branches in specific regions only. But these banks also have call centres and generally deal with a lower volume of calls. If you value in-person banking support then you may prefer banking with one of the Big Four. But this depends on where you live. As even the biggest banks shut down branches in smaller towns, you may find your only in-person option is a local credit union.

Big Four banks savings accounts

Big Four savings accounts offer competitive rates but smaller banks often provide the market's highest interest.
Max interest rates on Big Four savings accounts often require meeting specific conditions like monthly deposits or no withdrawals.
While many Australians trust Big Four banks, smaller banks often receive higher customer satisfaction ratings.

Big Four bank savings accounts

Commonwealth Bank, Westpac, NAB and ANZ are known as Australia's "Big Four" banks, and together they dominate the market. Here are the savings accounts offered by the Big Four.

16 of 25 results

Finder Score	Maximum interest rate	Base interest rate	Max rate type & duration	Monthly Max Rate Conditions	Table Description
Finder score 9.1 Excellent Westpac Life (18-40 year olds only)	Finder score 9.1 Excellent	Maximum Variable Rate p.a. 5.95%	Standard Variable Rate p.a. 0.1%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions Make a deposit Grow your balance 20 debit card purchases Balance up to $150,000	Cashback: Get $50 cashback when you open a new Westpac Life account and Westpac Choice account and spend at least $50 on your debit card within 15 days of opening. New customers only. Ends 31 March 2027. T&Cs apply.		View details Compare product selectionCompare	loading
Finder score 9 Excellent ANZ Plus Flex Saver	Finder score 9 Excellent	Maximum Variable Rate p.a. 5.35%	Standard Variable Rate p.a. 5.35%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions No deposit or withdrawal conditions Balance $0 to $5,000		View details Compare product selectionCompare	loading
Finder score 8.8 Great Commonwealth Bank Youthsaver Account	Finder score 8.8 Great	Maximum Variable Rate p.a. 5.3%	Standard Variable Rate p.a. 2.35%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions Make at least $1 deposit Grow balance Balance $0 to $50,000 Age under 18		View details Compare product selectionCompare	loading
Finder score 8.6 Great NAB Reward Saver	Finder score 8.6 Great	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions No withdrawals At least 1 deposit each month before second-last day of month No maximum balance cap		View details Compare product selectionCompare	loading
Finder score 7.5 Great ANZ Progress Saver	Finder score 7.5 Great	Maximum Variable Rate p.a. 4%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions No withdrawals Deposit $10 each month		View details Compare product selectionCompare	loading
Finder score 8.9 Great ANZ Plus Growth Saver	Finder score 8.9 Great	Maximum Variable Rate p.a. 5.35%	Standard Variable Rate p.a. 0.1%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions Grow balance by $100 or more		View details Compare product selectionCompare	loading
Finder score 8.8 Great Commonwealth Bank GoalSaver Account	Finder score 8.8 Great	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.1%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions At least 1 deposit Grow balance		View details Compare product selectionCompare	loading
Finder score 8.8 Great Westpac Life	Finder score 8.8 Great	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.1%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions Make a deposit Grow your balance	Cashback: Get $50 cashback when you open a new Westpac Life account and Westpac Choice account and spend at least $50 on your debit card within 15 days of opening. New customers only. Ends 31 March 2027. T&Cs apply.		View details Compare product selectionCompare	loading
Finder score 8.6 Great NAB Reward Saver	Finder score 8.6 Great	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions No withdrawals At least 1 deposit each month before second-last day of month No maximum balance cap		View details Compare product selectionCompare	loading
Finder score 8.6 Great NAB Reward Saver	Finder score 8.6 Great	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions No withdrawals At least 1 deposit each month before second-last day of month No maximum balance cap		View details Compare product selectionCompare	loading
Finder score 8.6 Great NAB Reward Saver	Finder score 8.6 Great	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions No withdrawals At least 1 deposit each month before second-last day of month No maximum balance cap		View details Compare product selectionCompare	loading
Finder score 7.5 Great ANZ Progress Saver	Finder score 7.5 Great	Maximum Variable Rate p.a. 4%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions No withdrawals Deposit $10 each month Age under 18		View details Compare product selectionCompare	loading
Finder score 7.4 Great Commonwealth Bank NetBank Saver	Finder score 7.4 Great	Maximum Variable Rate p.a. 5.5%	Standard Variable Rate p.a. 2.3%	Intro/Ongoing 5 month intro rate	Monthly Max Rate Conditions No deposit or withdrawal conditions New accounts only		View details Compare product selectionCompare	loading
Finder score 7.3 Great Commonwealth Bank Pensioner Security Account	Finder score 7.3 Great	Maximum Variable Rate p.a. 2.85%	Standard Variable Rate p.a. 2.85%	Intro/Ongoing Ongoing rate	Monthly Max Rate Conditions Balance from $250,000 Age 55+		View details Compare product selectionCompare	loading
Finder score 7 Great ANZ SMSF Cash Hub	Finder score 7 Great	Maximum Variable Rate p.a. 2.55%	Standard Variable Rate p.a. 2.55%	Intro/Ongoing Ongoing rate	Monthly Max Rate Conditions No deposit or withdrawal conditions Balance from $10,000		View details Compare product selectionCompare	loading
Finder score 6.9 Standard NAB iSaver	Finder score 6.9 Standard	Maximum Variable Rate p.a. 5.5%	Standard Variable Rate p.a. 1.85%	Intro/Ongoing 4 month intro rate	Monthly Max Rate Conditions No deposit or withdrawal conditions Balance up to $20,000,000 Available if you haven't held a NAB iSaver in the last 12 months		View details Compare product selectionCompare	loading

Showing 16 of 25 results

How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full breakdown

Do the Big Four banks have the best savings rates?

The Big Four banks do offer very competitive savings account interest rates. However, you'll often find the best rates with some of the smaller banks.

Here are the best 4 banks for savings account rates in the market at the moment.

Want more interest on your savings?

Compare now and find a better rate.

Latest deals

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."

Graham Cooke

Head of Consumer Research

What is the best bank in Australia?

Biggest doesn't necessarily mean best. And 'best' means different things to different people, depending on what you're looking for in a bank.

Best bank for consumer trust

Every month Finder surveys hundreds of Australians about their finances in our Consumer Sentiment Tracker.

24% of Australians say they trust the Big Four banks.
23% of Australians say they do not trust the Big Four banks.
23% of Australians say they trust small banks.
9% of Australians say they do not trust small banks.

Best bank accounts for customer satisfaction

Bank	Overall satisfaction	Trustworthy/reliable
	★★★★★ 4.63/5	97%
	★★★★★ 4.48/5	100%
	★★★★★ 4.39/5	91%
	★★★★★ 4.31/5	97%
	★★★★★ 4.23/5	91%

The Finder Customer Satisfaction Awards ask Australians which brands and products they trust and love the most. We surveyed hundreds of Australians to rate their bank accounts, with Up Bank coming out as number one.

Finder survey: What is the most popular bank for Australian savings accounts?

Finder surveyed over 1,100 Australians about which bank they have a savings account with and found that nearly 30% of respondents have a Commonwealth Bank savings account.

Response
Commbank	29.65%
ANZ	14.2%
Other	11.23%
Westpac	10.6%
NAB	10.24%
ING	6.83%
St.George	4.13%
Bendigo Bank	3.41%
Macquarie	2.07%
BOQ	1.89%
I don't have a savings account	1.71%
Great Southern Bank	1.35%
Ubank	1.35%
HSBC	0.81%
Rabobank	0.36%
Up Bank	0.18%

Source: Finder survey by Pure Profile of 1113 Australians, December 2023

Our expert says

"The vast majority of Australians are not comparing banks to find the best service and product for their needs. Most of us stick to the bank we had as kids. We're missing out on higher interest rates for the sake of convenience."

Richard Whitten

Senior Money Editor

Just how big are the Big Four banks?

To get a sense of just how big the Big Four banks are, here's the dollar value of household deposits currently held by each bank.

CBA: $390.118 billion
Westpac: $303.394 billion
NAB: $204.034 billion
ANZ: $172.620 billion

Now compare that to the amount of household savings deposited at Australia's largest non-Big Four banks.

Macquarie Bank: $63.083 billion
ING: $49.655 billion
Bendigo & Adelaide Bank: $44.291 billion
Suncorp: $34.464 billion
Bank of Queensland: $34.811 billion

The Big Four hold $800 billion more than their 5 closest competitors combined.

How to find the best bank in Australia for your needs

You'll have to decide for yourself what the best bank is for your specific needs. Here are some factors to consider when making a decision:

Compare rates, fees and features. When you're looking to get a new bank account, loan or credit card, you should always compare rates and fees to make sure the product is competitive (high rate for a saving account, low rate for a loan). Make sure the product has features that suit your needs.
What level of service are you looking for? If you want a personal touch and branch support, a Big Four bank with a local branch might be your best option. If you want really fast online support or don't have a Big Four bank branch near you, then you might look at other banks.
Customer reviews. Reading online reviews can help you get a sense for a bank's level of customer service. This is particularly true for smaller and newer banks.
Convenience. The Big Four banks have useful smartphone apps that let you manage your bank, card and loan accounts easily. Many other banks have good apps too, but some simply don't. You might also decide that the convenience of having all your accounts in one place outweighs the benefits that come with a higher savings rate or lower fees.
Awards. You can check the winning banks at Finder's annual banking awards.

FAQs

The Big Four aren't just competing with other banks. They own or invest in many other familiar financial institutions:
- Commonwealth Bank owns Unloan, an online lender, and Bankwest. The bank is also a major investor in Aussie Home Loans.
- Westpac owns St.George, Bank of Melbourne, BankSA and RAMS.
- NAB owns digital bank ubank, which merged with smaller digital lender 86 400 in 2022.
- ANZ acquired Suncorp Bank in July 2024, which continues to operate under its own banking licence as Norfina Limited, so deposits with Suncorp Bank are guaranteed separately from ANZ's.
Having all your financial products in one place makes managing your money very easy. Especially if your bank has a good online banking service or a well-designed app.
Doing all your banking with one bank means you can transfer money between accounts almost instantly. This makes it easier to move cash from your savings account into your transaction account when you're running low. It makes it easier to manage your credit card and pay it off on time.
For some, this convenience might even outweigh the benefits of getting a better deal on specific products.
Several banks offer bank accounts specifically designed for students, providing features and benefits tailored to their needs.
Most students have very basic requirements of a bank account: the ability to make purchases and track their spending on an app are key, along with low or no monthly fees or minimum balance requirements. When comparing different options, look for accounts that provide fee waivers, free ATM access and student discounts.
1. Student savings accounts: These accounts are designed to help students start saving and often offer competitive interest rates. Look for accounts with no or minimal fees, no minimum balance requirements and easy accessibility.
Some banks also provide additional perks for student accounts, such as discounts on shopping or entertainment, or special interest rates that only students can access. Check out some of the options for bank accounts designed for those under the age of 18.
In recent years online lenders and smaller credit unions have had the lowest interest rates. There are times when the Big Four has offered comparable rates, and it's always worth comparing the big banks when looking for a home loan. It is also worth noting that you should consider home loan fees and rates, as they can end up making the rate less competitive with other banks that have lower home loan fees.
It's worth pointing out that Unloan has some of the market's lowest rates and is owned by CommBank.
The size of a bank doesn't necessarily make it safer. But Australia's Big Four are highly profitable and well capitalised. These banks are regulated by the Australian Prudential Regulation Authority (APRA), which requires all banks to maintain a buffer of capital to meet sudden unexpected withdrawals from customers. The biggest banks are subject to stronger requirements than other banks.
But for the ordinary consumer all Australian banks are relatively safe. If you bank with any authorised deposit-taking institution (ADI), which includes big banks, small banks and credit unions, money in your savings accounts is protected by the Financial Claims Scheme.
This scheme protects up to $250,000 of your savings, per ADI, per account holder, if the institution collapses.
While it's hard to measure a bank's convenience, it's undeniable that the Big Four banks have the most extensive network of ATMs and physical bank branches. Westpac for example has 997 bank branches across the country.
Major bank call centres can operate for longer hours (typically 8am–8pm) and you may have access to customer service 24/7 for financial emergencies or if you're overseas.
Smaller Australian banks and credit unions cannot offer a similar level of service. Smaller banks are often entirely online (like ING) or have branches in specific regions only. But these banks also have call centres and generally deal with a lower volume of calls.
If you value in-person banking support then you may prefer banking with one of the Big Four. But this depends on where you live. As even the biggest banks shut down branches in smaller towns, you may find your only in-person option is a local credit union.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. APRA, Monthly Authorised Deposit-taking Institution Statistics, accessed 7 May 2024
2. Westpac, 2021 Annual Report (PDF), accessed 12 October 2023
3. Finder survey of 1,113 Australians, December 2023
4. Finder Consumer Sentiment Tracker, accessed 7 May 2024

Karen Eley is the founder of Women Talking Finance, which provides money coaching and financial literacy and education services. An experienced and former financial adviser who has worked in financial services industry for 22 years, Karen is a Certified Money Coach (CMC), holds a Bachelor of Accounting and an Advanced Diploma in Financial Planning and CFP.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.

Written by

Alison Banney

Editorial Manager, Money

Add to Preferred Sources

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise

Alison has written 592 Finder guides across topics including:

Superannuation
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Budgeting and money-saving hacks
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Co-written by

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Money expert + media spokesperson

Sarah is the author of How to Raise Rich Kids. With over 20 years of experience in property, finance and investment journalism, she is a trusted expert whose insights regularly appear across television, radio and print media, including Sunrise, Channel 7 News, Bloomberg and Yahoo! Finance. She has previously served as managing editor for Your Investment Property and Australian Broker. Her expert advice has been shared in the media over 4,000 times. Sarah holds a Bachelor’s degree in Communications and a Tier 1 Generic Knowledge certification, which complies with ASIC standards. See full bio

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Sarah has written 226 Finder guides across topics including:

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Budgeting and money-saving tips
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34 Responses

MNApril 6, 2018

Hi
Which one of the big 4 banks offers easiest bank opening procedure, with no service service charges on having a current (no interest ) account? I only wish to open an account with no long list of documents requirement, a debit card and no fee for keeping current account . Thanks

Finder

MayApril 6, 2018Finder

Hi MN,

Thanks for your inquiry.

Typically, opening a bank account is free and simple. You can either do it online and in-person. Just be prepared with the docs like proof of identification and TFN. But best to check with the bank first the full requirements so you can open the account quickly. As to bank accounts with no fees, please refer to our comparison table to compare your options and click on the ‘Go to site’ button to find out the requirements.

Cheers,
May

AnneNovember 17, 2017

How do I find out which banks and building societies covered by the ADI are the same brand. For example I want to invest $200,000 in 4 places in term deposits or savings accounts so that the $800,000 will be covered by the ADI. Would it be ok to go for Commonwealth Bank, Ing, Bankwest and St George or are some of these the same brand?

Finder

HaroldNovember 17, 2017Finder

Hi Anne,

Thank you for your inquiry.

We have a handy guide that might help find out if your bank is owned by another bank. This guide explains which brands are owned by the big 4 banks in Australia. As for ownership of building societies, it’s not common for multiple credit union brands to be owned by the one holding company. Acquisitions and mergers are common, but usually, one company rebrands as the other.

I hope this information has helped.

Cheers,
Harold

KimOctober 17, 2017

Which banks, both the big 4 and outside the big 4, are the best for home-loans?

LiezlOctober 17, 2017

Hi Kim,

Thanks for your question.

As a comparison website, we are unable to name a bank that stands out for its home loan products since banks, as well as non-bank lenders, have different home loan offers packed with benefits and features. It’s up to you to decide which one works best for you based on the features you are looking for, the purpose of your home loan, your eligibility, and the costs that you have to pay.

You can learn more about comparing home loans. You can use our comparison table to help narrow down your options. You can click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions. Alternatively, you can speak to a mortgage broker who can take your personal circumstance into account and offer you a range of borrowing options.

Cheers,
Liezl

EmAugust 7, 2017

I currently have an account with ANZ, but speaking with various people, apparently, there are other banks that offer higher interest rates for accounts such as progress savers.

ArnoldAugust 8, 2017

Hi Em,

Thanks for your inquiry.

Please feel free to explore and compare high interest saving accounts.

Upon arriving at the page, you can search for the best option by filling in information such as initial deposit, monthly deposit and period. Do this so you can further personalise our comparison table. You may now hit the calculate button to view the results of your search.

Once you’re done comparing, you can then select the “Go to site” button to be redirected to your chosen provider’s official website. Before you use any financial product, please read through its terms, conditions, and features to see if they are the right choice or not.

Hope this information helped.

Cheers,
Arnold

AndyJuly 19, 2017

HI there

I am thinking to buy a house in 3-4 years time and want to change bank but now sure which bank is best for small money.

Finder

HaroldJuly 20, 2017Finder

Hi Andy,

Thank you for your inquiry.

Should you have long term plans you may want to consider a long term deposit.

I hope this information has helped.

Cheers,
Harold

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Big Four banks savings accounts

The Big Four banks are Australia's largest banks. But are they Australia's best banks? Here's how their savings accounts stack up compared to smaller banks.