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Head-to-head comparisons

The two accounts you’re torn between, side by side — rates pulled from our live data, conditions spelled out, and a plain-English verdict on which one suits you.

Savings accounts

ING vs ubank

Two of Australia's most popular bonus savers, side by side. ING rewards a monthly deposit plus card spend; ubank leads with an intro rate and a simpler balance-growth condition. Here's which suits you.

ubank vs Macquarie

Both reward you without asking for card purchases — but in different ways. ubank wants your balance to grow each month; Macquarie pays a welcome rate then a strong no-strings ongoing rate. Here's the trade-off.

ING vs Macquarie

A classic conditional bonus saver against a no-strings high-rate account. ING pays more if you jump through monthly hoops; Macquarie keeps it simple. Which model wins for you?

Rabobank vs ING

An intro-rate leader versus an ongoing-bonus stalwart. Rabobank's headline rate is high but introductory; ING's bonus rate is lower but lasts as long as you meet the conditions. Which earns more over time?

Macquarie vs Rabobank

Two no-conditions savers with very different shapes. Macquarie pairs a welcome period with a strong ongoing rate; Rabobank leads on the headline but reverts to a lower rate after four months. Which earns more depends on whether you'll move.

ANZ Online Saver vs Progress Saver

ANZ's two everyday savers, side by side. The Progress Saver pays a higher rate if you save regularly; the Online Saver is condition-free but lower. Both sit well below the leading savers — here's the trade-off, and the alternatives.

CommBank vs NAB saver

Two big-four bonus savers with easy monthly conditions. Both reward simple saving behaviour rather than card spend — so it's about which condition fits your habits and where you bank.

ubank vs Rabobank

Two top-rate savers with no card-spend hoops, but different shapes. ubank rewards growing your balance each month; Rabobank leads on the headline with an introductory rate that reverts. Which earns more depends on whether you'll keep switching.

Term deposits

Judo vs AMP

Two of the most competitive 12-month term deposits in our table. The rates run close, so the decision comes down to the minimum deposit, loyalty perks and how much brand familiarity matters.

Judo vs Macquarie

A term-deposit specialist against a big digital bank. The 12-month rates are close, so it's really about minimum deposit, loyalty perks and whether you want your term deposit alongside the rest of your banking.

Great Southern vs Judo

The top of our 12-month table against a term-deposit specialist. Great Southern leads on the headline 12-month rate; Judo counters with a low minimum and a loyalty bump on rollover. Here's which suits your deposit.

Home loans

Unloan vs Macquarie

A stripped-back, refinance-only digital loan against a full-feature digital bank. Unloan keeps it simple with a rate that drops a little each year; Macquarie offers offset and purchase loans. Which fits depends on what you need from the loan.

Unloan vs loans.com.au

Two low-rate online lenders with different scope. Unloan is refinance-only with a rate that shrinks over time; loans.com.au handles purchases too and offers an offset sub-account. Here's which suits your loan.

CommBank vs Westpac

Australia's two largest banks, head to head on their owner-occupier variable home loans. Both offer offset, packages and branch networks — so the decision often comes down to the rate on offer and where you already bank.

ANZ vs NAB

Two of the big four compared on their owner-occupier variable home loans. Features are broadly similar — offset, packages, branches — so the rate and your banking relationship usually tip the balance.

loans.com.au vs Macquarie

A low-rate online lender against a full-feature digital bank — and both handle purchases and offer an offset. The decision comes down to rate, offset setup, and how much you value an established banking app.

CommBank vs Unloan

Same banking group, two very different loans: CommBank's full-feature Wealth Package with offset and branches, against Unloan — CBA's digital refinance-only brand with a lower rate, a loyalty discount and no fees.

Westpac vs ANZ

Two of the big four on their sharpest owner-occupier variable offers — Westpac's online-only Flexi First pricing against ANZ's Simplicity PLUS special offer. Features are close; the current rate and eligibility conditions decide it.

HSBC vs Macquarie

Two banks that consistently undercut the big four on variable rates, with LVR-tiered pricing on both sides. The gap between them is usually small — equity level, offset needs and banking preference tip the scales.

Credit cards

ANZ FF Black vs Westpac Altitude

Two premium big-bank Qantas Points cards with large sign-up bonuses and travel perks. The trade-off is the size of the bonus against the annual fee — and the lounge and insurance extras that come with each.

Amex Qantas vs Velocity

Two American Express rewards cards that differ mainly in airline program — Qantas Points versus Velocity. If you're loyal to one airline, that usually settles it; otherwise it comes down to the perks and fee.

CommBank vs ANZ low rate

Two big-bank low-rate cards for people who sometimes carry a balance. The headline is the low purchase rate; the tie-breaker is the annual fee and the rate you'll actually pay.

Qantas Money vs ANZ FF Black

Two cards that earn Qantas Points directly — one issued by Qantas' own money arm, one by a big-four bank. The shape of the bonus differs: all in year one versus split across two years, with different fees and perks attached.

Amex Qantas vs Altitude Qantas

Two direct-earning Qantas cards with very different personalities: Amex's strong uncapped-style earn rate and travel credit against Westpac's bigger sign-up bonus on a Mastercard that's accepted everywhere.

Amplify Signature vs Altitude Black

Two Westpac Group flagships with matching two-year bonus structures and near-identical earn bands — the real differences are the spend thresholds, the fees, and where each program's points can actually go.

NAB Rewards vs CBA Smart Awards

Two big-bank everyday rewards cards with fee-waiver mechanics rather than flat fees. One waives its fee for high spenders and skips international transaction fees; the other waives at a much lower bar and offers an optional Qantas program.

Information is general in nature and may change without notice. Not financial advice — confirm current rates and conditions with each provider before applying.