Provider
LiveBank Australia
As of 18 September 2026, Bank Australia has 36 products across five of the 8 pillars BankMate tracks: 2 savings accounts, 3 credit cards, 17 home loans, 12 term deposits and 2 personal loans. Its highest-placed product is Term Deposit 12 months at 5.50% p.a. for 1 year, 1st of 590 12-month deposits. Its rates last moved on 16 September 2026.
- Pillars
- 5 of 8
- No superannuation, share trading, crypto exchange
- Products tracked
- 36
- 2 savings accounts · 3 credit cards · 17 home loans
- Highest placed
- #1
- Term Deposit 12 months · of 590 12-month deposits
- Last change
- 16 Sept 2026
- 29 changes on record
What changed
29 changes across 2 pillars since 1 Mar 2026- +0.10
- Term depositsMonthly Term Deposit 12 months · 2 terms up 0.10+0.10
- +0.05
- Term depositsMonthly Term Deposit 12 months · 2 terms up 0.05+0.05
- +0.10
- +0.10
Show 23 earlier changes
- +0.10
- Term depositsMonthly Term Deposit 12 months · 2 terms up 0.10+0.10
- −0.05
- Term depositsMonthly Term Deposit 12 months · 2 terms cut 0.05−0.05
- +0.05
- −0.10
- Term depositsMonthly Term Deposit 24 months · 2 terms cut 0.10−0.10
- Term depositsMonthly Term Deposit 36 months · 2 terms cut 0.10−0.10
- Term depositsMonthly Term Deposit 12 months · 2 terms cut 0.10−0.10
- −0.05
- Term depositsMonthly Term Deposit 12 months · 2 terms cut 0.05−0.05
- +0.10
- Term depositsMonthly Term Deposit 12 months · 2 terms up 0.10+0.10
- Savings accounts2 accounts up 0.2515 days after the RBA rise to 4.35%+0.25
- Bonus Saver 4.85 → 5.10
- mySaver 4.85 → 5.10
- Term depositsMonthly Term Deposit 6 months · 2 terms up 0.0514 days after the RBA rise to 4.35%+0.05
- Term depositsTerm Deposit 6 months · 2 terms up 0.0514 days after the RBA rise to 4.35%+0.05
- Term depositsTerm Deposit 3 months · 2 terms up 0.2014 days after the RBA rise to 4.35%+0.20
- −0.10
- Term depositsMonthly Term Deposit 12 months · 2 terms cut 0.10−0.10
- Term depositsTerm Deposit 12 months · 2 terms up 0.1042 days after the RBA rise to 4.10%+0.10
- Term depositsTerm Deposit 9 months · 2 terms up 0.1042 days after the RBA rise to 4.10%+0.10
- Term depositsMonthly Term Deposit 12 months · 2 terms up 0.1042 days after the RBA rise to 4.10%+0.10
- Savings accounts2 accounts up 0.2515 days after the RBA rise to 4.10%+0.25
- Bonus Saver 4.60 → 4.85
- mySaver 4.60 → 4.85
Savings accounts · 2
Total rate, conditions met · ranked among 94 accounts$100 deposit a month · no withdrawals · bonus up to $100k
5.10%#33 of 940.10% base + 5.00% bonus
- Monthly deposits
- $100/month
- Withdrawals
- Not allowed
- Balance range
- $0 - $100,000
$10 deposit a month · no withdrawals · bonus up to $50k
5.10%#33 of 940.10% base + 5.00% bonus
- Monthly deposits
- $10/month
- Withdrawals
- Not allowed
- Balance range
- $0 - $50,000
- Age
- Up to 24 years
Full savings accounts record for Bank Australia →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Bank Australia · Compare all savings accounts
Credit cards · 3
Ranked by bonus net of first-year fee · of 51 bonus cardsQantas Frequent Flyer · 1
- Annual fee
- $189
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Qantas Frequent Flyer
- Purchase rate
- 20.24% p.a.
- Cash advance rate
- 20.24% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
No rewards · 2
- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- None
- Purchase rate
- 12.99% p.a.
- Cash advance rate
- 12.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- None
- Purchase rate
- 19.74% p.a.
- Cash advance rate
- 19.74% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Full credit cards record for Bank Australia →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Home loans · 17
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 9
Variable · P&I · Owner-occupier · 70–80% LVR · redraw · no ongoing fee · 5 variants
6.14%#12 of 107comparison · 6.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤90% LVR · offset account · redraw
6.21%#21 of 107comparison · 5.88% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤90% LVR · offset account · redraw
6.34%#8 of 81comparison · 6.04% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · 60–70% LVR · redraw · no ongoing fee · 4 variants
6.34%#8 of 81comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 5 variants
6.37%#44 of 107comparison · 6.18% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Show 4 more
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · 4 variants
6.43%#19 of 81comparison · 6.24% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · 70–80% LVR · no ongoing fee · 4 variants
6.45%#11 of 80comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · Interest Only · Investor · ≤60% LVR · offset account · 4 variants
6.52%#16 of 80comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · ≤75% LVR · no ongoing fee
8.15%#1 of 1comparison · 8.10% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Fixed · 8
1yr Fixed · P&I · Owner-occupier · 70–80% LVR · no ongoing fee · 20 variants
1y 6.16%2y 6.19%3y 6.24%5y 6.34%6.16%#4 of 49comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- 6.34%#8 of 50
comparison · 6.19% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · P&I · Owner-occupier · 60–70% LVR · offset account · 20 variants
1y 6.38%2y 6.41%3y 6.46%5y 6.55%6.34%#14 of 49comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · 70–80% LVR · no ongoing fee · 16 variants
6.35%#5 of 43comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · Interest Only · Investor · 70–80% LVR · no ongoing fee · 14 variants
6.37%#5 of 44comparison · 6.64% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $275
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Show 3 more
3yr Fixed · P&I · Investor · ≤90% LVR · offset account
6.43%#5 of 45comparison · 6.24% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · ≤60% LVR · offset account · 16 variants
6.44%#5 of 43comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · Interest Only · Investor · ≤60% LVR · offset account · 14 variants
6.47%#5 of 44comparison · 6.64% advertised
- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for Bank Australia →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 12
Best rate per product, by term · ranked within each term- 5.50%#1 of 590
1 year
- 1 year
- 5.50% · #1 of 590
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Allowed · Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
- 5.40%#12 of 590
1 year
- 1 year
- 5.40% · #12 of 590
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Allowed · Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
- 5.30%#7 of 547
6 months
- 6 months
- 5.30% · #7 of 547
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Allowed · Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
- 5.20%#13 of 547
6 months
- 6 months
- 5.20% · #13 of 547
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Allowed · Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
- 5.10%#49 of 500
9 months
- 9 months
- 5.10% · #49 of 500
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Allowed · Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
Show 7 more
- 5.05%#6 of 369
3 months
- 3 months
- 5.05% · #6 of 369
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Quarterly
- Early withdrawal
- Allowed · Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
- 5.00%#65 of 394
2 years
- 2 years
- 5.00% · #65 of 394
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Allowed · Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
- 4.90%#49 of 345
3 years
- 3 years
- 4.90% · #49 of 345
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Allowed · Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
- 4.90%#49 of 345
3 years
- 3 years
- 4.90% · #49 of 345
- Minimum deposit
- $500
- Maximum deposit
- $3,000,000
- Interest paid
- At maturity
- Early withdrawal
- Allowed · Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur a repayment adjustment.
- 4.80%#133 of 394
2 years
- 2 years
- 4.80% · #133 of 394
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Allowed · Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
- 3.55%#100 of 122
18 months
- 18 months
- 3.55% · #100 of 122
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Allowed · Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
- 3.45%#114 of 122
18 months
- 18 months
- 3.45% · #114 of 122
- Minimum deposit
- $500
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Allowed · Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
Full term deposits record for Bank Australia →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 2
Comparison rate · ranked within unsecured or secured loansUnsecured · fixed · car loan · $150 application
6.29%#8 of 212comparison · from 6.29% advertised
- Advertised rate
- from 6.29% p.a.
- Comparison rate
- 6.29% p.a.
- Rate type
- Fixed
- Application fee
- $150
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- From $1,000
- Loan term
- 7 years to 7 years
Unsecured · variable · car loan · $150 application
8.52%#96 of 212comparison · from 7.49% advertised
- Advertised rate
- from 7.49% p.a.
- Comparison rate
- 8.52% p.a.
- Rate type
- Variable
- Application fee
- $150
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- From $1,000
- Extra repayments
- Yes
Full personal loans record for Bank Australia →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
Bank Australia has no superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on Bank Australia
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