Rate Movements Tracker
Which Australian banks have changed their savings, term deposit and home loan rates — and when. We track 79 products and verify them regularly; last checked 29 October 2026.
The last 90 days, by the numbers
Term deposits
13 cuts·19 rises
typical move 0.10%
Home loans
1 cut·16 rises
typical move 0.23%
Savings accounts
1 cut·16 rises
typical move 0.25%
Credit cards
4 cuts·4 rises
typical move 37,500.219 pts
74 confirmed movements recorded across 79 tracked products in the 90 days to 29 October 2026.
Where the market sits right now
29 October 2026
- Judo Bank Personal Term Deposit 12-month term deposit rate5.55%↓5.45%
- BOQ Term Deposit 12-month term deposit rate5.30%↑5.40%
28 October 2026
- Great Southern Bank Goal Saver max savings rate5.35%↑5.60%
- Macquarie Bank Term Deposit 12-month term deposit rate5.35%↑5.40%
26 October 2026
- Greater Bank Life Saver max savings rate5.25%↑5.50%
- Westpac Life max savings rate5.00%↑5.25%
- AMP Bank Term Deposit (GO) 12-month term deposit rate5.40%↑5.55%
- Newcastle Permanent Term Deposit 12-month term deposit rate5.30%↑5.40%
- Pacific Mortgage Group Owner Occupied Variable lowest variable rate5.69%↑5.94%
- People's Choice Basic Variable lowest variable rate5.99%↑6.24%
- Unloan (CBA) Refinance Variable lowest variable rate5.89%↑6.14%
- Macquarie Bank Basic Home Loan lowest variable rate6.09%↑6.29%
- HSBC Australia Home Value Loan lowest variable rate5.99%↑6.24%
- Westpac Flexi First Option (Online Offer) lowest variable rate5.99%↑6.24%
- loans.com.au Variable Home Loan (Bare) lowest variable rate6.04%↑6.19%
- Bendigo Bank Express / Easy Home Loan lowest variable rate5.89%↑6.14%
- ING Mortgage Simplifier lowest variable rate5.99%↑6.29%
- St.George Basic Home Loan lowest variable rate6.29%↑6.54%
- CommBank Standard Variable Rate (Wealth Package) lowest variable rate6.34%↑6.59%
- ANZ Simplicity PLUS lowest variable rate6.39%↑6.64%
- Pepper Money Variable Home Loan (prime tier) lowest variable rate6.74%↑6.99%
14 October 2026
- Rabobank High Interest Savings Account max savings rate5.90%↑6.15%
- Macquarie Savings Account max savings rate5.00%↑5.25%
- Judo Bank Personal Term Deposit 12-month term deposit rate5.45%↑5.55%
10 October 2026
- NAB Reward Saver max savings rate5.00%↑5.25%
- NAB Base Variable Rate Home Loan lowest variable rate6.44%↑6.69%
9 October 2026
- ING Savings Maximiser max savings rate5.50%↑5.75%
- ubank Save Account max savings rate6.10%↑6.25%
- ANZ Plus Growth Saver max savings rate5.10%↑5.35%
- ANZ Progress Saver max savings rate3.74%↑3.99%
- ANZ Online Saver max savings rate1.35%↑1.60%
- Newcastle Permanent Smart Saver (under 25) max savings rate5.70%↑5.95%
- CommBank GoalSaver max savings rate5.00%↑5.25%
- ME Bank SaveME max savings rate4.35%↑4.60%
8 October 2026
- Suncorp Bank Growth Saver max savings rate5.10%↑5.35%
- Up Home Variable Rate Loan lowest variable rate5.95%↑6.20%
7 October 2026
- Great Southern Bank Term Deposit 12-month term deposit rate5.10%↑5.35%
6 October 2026
- ubank Save Account max savings rate5.85%↑6.10%
2 October 2026
- AMP Bank Term Deposit (GO) 12-month term deposit rate5.30%↑5.40%
- Suncorp Bank Term Deposit 12-month term deposit rate5.30%↑5.40%
- NAB Qantas Rewards Signature sign-up bonus130,000 pts↓60,000 pts
- Qantas Money Platinum sign-up bonus120,000 pts↓80,000 pts
- ANZ Frequent Flyer Black sign-up bonus130,000 pts↓100,000 pts
- NAB Low Rate Card purchase rate13.49%↑13.99%
- Coles No Annual Fee Mastercard purchase rate20.74%↑21.99%
27 September 2026
- Newcastle Permanent Term Deposit 12-month term deposit rate5.25%↑5.30%
25 September 2026
- ANZ Advance Notice Term Deposit 12-month term deposit rate5.20%↑5.30%
- BOQ Term Deposit 12-month term deposit rate5.25%↑5.30%
24 September 2026
- Macquarie Savings Account max savings rate5.35%↓5.00%
- ANZ Advance Notice Term Deposit 12-month term deposit rate5.25%↓5.20%
- Bendigo Bank Term Deposit 12-month term deposit rate5.00%↓4.90%
22 September 2026
- NAB Term Deposit 12-month term deposit rate5.20%↑5.30%
17 September 2026
- AMP Bank Term Deposit (GO) 12-month term deposit rate5.40%↓5.30%
- CommBank Term Deposit 12-month term deposit rate5.15%↑5.30%
- Westpac Term Deposit 12-month term deposit rate5.15%↑5.20%
- Bendigo Bank Express / Easy Home Loan lowest variable rate6.04%↓5.89%
16 September 2026
- Judo Bank Personal Term Deposit 12-month term deposit rate5.35%↑5.45%
15 September 2026
- Macquarie Bank Term Deposit 12-month term deposit rate5.30%↑5.35%
14 September 2026
- MyState Bank Online Term Deposit 12-month term deposit rate5.05%↑5.25%
- NAB Term Deposit 12-month term deposit rate5.15%↑5.20%
How this works
Every figure on SavingsFlow is verified against each bank’s own data and re-checked as often as daily. When a tracked rate changes, we record the move here. It’s the same verified data behind our savings, term deposit and home loan guides.
Movements reflect changes to the headline rate we track for each product and are general information, not financial advice. Always confirm the current rate with the provider before acting.