BankMate
Portfolio

About

About BankMate

BankMate is a free Australian comparison site for savings accounts, credit cards, home loans, term deposits, personal loans, super, share trading and crypto exchanges. It isn't a bank and never holds your money. It reads what providers publish, puts it side by side, and works out what each product would actually pay or cost you — because that figure is usually buried under the marketing.

Providers compared
171
Bank feeds re-read
Every night
Rate history since
February 2026

What you can do here

  • Compare — Every product in a category side by side, sorted by what it would pay or cost at your balance, loan, spend or trade size — not by a headline rate.
  • A few questions first — Answer one question a screen and the list splits in two: the products whose conditions you meet, and the rest, each saying what it asks that you said you won’t do.
  • One change away — When a single change — depositing $500 a month, dropping a must-have — would move a product that ranks higher on your answers into your matches, the list says which and by how much.
  • Against what you have — Name the product you hold and every other one shows the difference: “+$150 a year vs yours”.
  • Split optimiser — Works out how to divide your savings across accounts to earn the most, and writes down what each account asks of you every month.
  • Portfolio — Keep the products you hold in one place, see how each compares, and see what changed since your last visit.
  • Provider pages — Every bank, lender, fund, broker and exchange listed: its products across categories, where each ranks, and every rate or fee change recorded.

What BankMate covers

Banking products are listed only when a member of the public can open them directly — nothing that needs a broker, a staff job or an invitation. Each category has a compare page, a leaderboard of the top products and a dated report of what changed: monthly, or yearly for super, which APRA publishes less often.

Household bills are compared too, each on its own compare page: electricity plans and gas plans, priced as a year's bill for your postcode; NBN plans and mobile plans, priced once any intro offer ends; and health insurance, priced as a year's cost for your household after the rebate. ETFs on the ASX are compared on what each would cost you a year.

Where the numbers come from

Savings accounts, credit cards, home loans, term deposits and personal loans come straight from each bank's Consumer Data Right (open banking) product feed, the same data the bank is legally required to publish. BankMate re-reads every feed each night, so a rate change on a bank's website appears here the next morning, and every change is kept, which is how the reports and provider pages can show a rate's history. Superannuation uses APRA's published performance data. Share trading and crypto exchange fees have no regulated feed, so they are read from each provider's pricing page and checked by hand. Electricity plans come from the Australian Energy Regulator's own feed, which every retailer must file its plans with, re-read each night; gas plans come from the same feed. NBN and mobile plans are read from each provider's plan pages and checked against the plan's Critical Information Summary. Health insurance comes from the Private Health Information Statements every insurer files with the government, published each month. ETF figures come from the ASX's monthly Investment Products report. The full detail is on the methodology page.

How BankMate makes money

BankMate may use referral links. Opening a product through one may earn BankMate a referral bonus or commission, and may get you the provider's sign-up bonus too. That never changes what you see: every list is ordered by the published figure, a product with a referral link sits exactly where it would without one, and nothing is hidden or promoted for commercial reasons. There is no paid placement and no sponsored ranking. BankMate records a sign-up offer only where it has a referral arrangement for it, so offers are shown with the product but never ranked.

What BankMate is not

Factual information and general comparison, not financial advice. BankMate doesn’t consider your objectives, financial situation or needs, and isn’t licensed to give advice. Read the provider’s PDS, target market determination or key facts sheet before deciding.

BankMate doesn't hold an Australian financial services licence or an Australian credit licence, so it can't give financial product advice or credit assistance. Rankings and dollar figures are worked out from the figures you enter; they aren't an assessment of whether a product suits you.

BankMate is not a bank and never takes payments, so it can't appear as a charge on your bank statement. If you've seen “BankMate” on a statement, it is another business — your bank can tell you which merchant it was.

Corrections and contact

Spotted a wrong figure? Open the product on any compare page and use “See incorrect data? Let us know” at the foot of its details — it goes straight to the review queue, and corrections are usually live the same day. For anything else, email bankmateapp@gmail.com.