Banking Interest Rates
View the rates for all our transaction and savings accounts

Transaction Account Rates
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Everyday Transaction Account
Freedom to spend your way and manage your money with ease.
Interest RateInterest rate (p.a)Interest RateBase rateInterest rate (p.a)0.00%Effective 01 September 2025
Everyday Saver
An instant access account that lets you tailor your account to suit your needs.
Interest RateInterest rate (p.a)Interest RateBase rateInterest rate (p.a)0.01%Effective 01 September 2025
Credit Card Rates
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Low Rate Credit Card
Our Low Rate Credit Card product is not currently available for new applications.
Interest RateInterest rate (p.a)Interest RateRetail Purchase RateInterest rate (p.a)8.99% 1Interest RateCash Advance RateInterest rate (p.a)12.99%Effective 10 April 2019
Savings Account Rates
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Growth Saver
Kickstart your savings journey with bonus interest when you deposit $200 and make no withdrawals in a month, on balances up to $25,000.
Effective 01 June 2026
Learn moreBonus Saver
Maximise your savings with bonus interest when you deposit $200 and make no withdrawals in a month, on balances up to $250,000.
Effective 01 June 2026
Learn moreOnline Saver
Freedom to save your way, with fewer conditions and more flexibility.
Interest RateInterest rate (p.a)Interest RateBase rateInterest rate (p.a)4.70%Effective 01 June 2026
Learn moreExpress Saver
Savings made simple.
Interest RateInterest rate (p.a)Interest RateBase rateInterest rate (p.a)1.10%Effective 01 June 2026
Term Deposit Rates
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Term Deposit
Lock in a competitive interest rate and watch your savings grow.
Interest paid at maturity
TermInterest rate (p.a)Term3 MonthsInterest rate (p.a)5.05%Term4 MonthsInterest rate (p.a)5.15%Term5 MonthsInterest rate (p.a)5.25%Term6 MonthsInterest rate (p.a)5.35%Term7 MonthsInterest rate (p.a)5.40%Term8 MonthsInterest rate (p.a)5.35%Term9 MonthsInterest rate (p.a)5.50%Term10 MonthsInterest rate (p.a)5.50%Term11 MonthsInterest rate (p.a)5.55%Term12 MonthsInterest rate (p.a)5.45%Interest paid monthly
TermInterest rate (p.a)Term12 MonthsInterest rate (p.a)5.35%Term13 to 14 MonthsInterest rate (p.a)5.35%Term15 to 23 MonthsInterest rate (p.a)5.35%Term24 MonthsInterest rate (p.a)5.35%Interest paid annually
Effective 10 July 2026
The fine print
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1 Different rates apply depending on the transaction type, including cash advances. See Key Features for details. Terms and conditions apply. All credit card applications are subject to credit assessment and approval. All rates are quoted per annum. Other fees and charges apply.
2 Bonus interest paid on balances up to $25,000 if there are no withdrawals in a calendar month, and at least $200 is deposited into the account during the month (prior to 5pm AEST on the last day of the month). If these criteria are not met, the base interest rate will apply
3 Bonus interest paid on balances up to $250,000 if there are no withdrawals in a calendar month, and at least $200 is deposited into the account during the month (prior to 5pm AEST on the last day of the month). If these criteria are not met, the base interest rate will apply
4 For terms longer than 12 months, interest is paid at 12 months and then maturity.