Who’s offering a head-turning rate?
5.49%p.a
Owner Occupied P&I. LVR up to 60%*
5.52%p.a
Comparison Rate1
Bank First can help you with
Who knows how to beat a scam?
Get practical tips and guidance to help you identify and avoid potential scams when buying a home.
Meet the 2025 TIP recipients
Bank First's Teaching Initiatives Program provides grants to schools so teachers don't have to spend their salary on helping kids succeed.
Congratulations to our 2025 recipients!
News and Articles
3 minutes read7 July 2025
Embracing First Nations knowledge in NAIDOC Week and beyond
Community
NAIDOC week is not just a milestone, but a movement and we’re proud to support future teachers who are committed to building a legacy of unity, respect and self-determination for all.
Learn more
3 minutes read26 June 2025
Winter on a budget
Financial Wellbeing
It’s the season many of us opt for staying in more, which means it’s the perfect time to reduce your expenses and bank those savings in time for summer.
Learn more
3 minutes read18 June 2025
Leading the charge for eco excellence
Education
The ResourceSmart Schools Awards celebrate the sustainability triumphs of primary and secondary schools working together to realise a more sustainable future.
Learn more
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Simply add your card to your digital wallet and pay on-the-go through Apple Pay7 or Google Pay7.
Quick and easy, tap and go.
Supporting you through each life stage
No matter what life stage you’re at, we’re here to support you with products and advice best suited to your individual needs. Explore your options below!
Saving for your first home?
First Home Bonus Saver
First Home Bonus Saver earns extra interest with $600 cashback and the establishment fee waived if you take out a home loan with us. T&Cs apply.
4.10%p.a
Bonus interest rate2
0.05%p.a
Base interest rate
- Cash back
- No minimum first deposit
- Earn bonus interest
Kickstart your savings online
Online Saver Account
Enjoy the flexibility unlimited withdrawals as you move one step closer to your savings goal.
3.30%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
- Unlimited withdrawals with no penalty
- Be rewarded when you keep a balance of $2,000 or more
- No monthly account keeping fees
Our lowest variable rate
Basic Home Loan
Make buying a home simple with our lowest variable rate, flexible repayments and no redraw fees.
5.49%p.a
Owner Occupied P&I. LVR up to 60%*
5.52%p.a
Comparison Rate1
- Our simplest home loan with no offset
- Make extra repayments and redraw without a fee⁴
- No ongoing or monthly fees
A helping hand
Personal Loan
From a holiday to a renovation, sometimes you need a unique solution. Our Personal Loan can help you achieve your dream.
9.64%p.a
Variable interest rate
11.00%p.a
Comparison Rate3
- Flexible repayment options
- No ongoing fees
- Secure a personal loan for up to 7 years
Peace of mind
Home and Contents Insurance
Feel at peace knowing your home and contents are safe with CGU Home and Contents Insurance.⁴
- Choice of 3 cover options
- Flexible payment options
- Lodge claims 24/7
- We've partnered with CGU, one of Australia's most trusted insurers
Our lowest variable rate
Basic Home Loan
5.49%p.a
Owner Occupied P&I. LVR up to 60%*
5.52%p.a
Comparison Rate1
- Our simplest home loan with no offset
- Make extra repayments and redraw without a fee⁴
- No ongoing or monthly fees
Bonuses on savings
Bonus Saver Account
Grow your savings with bonus interest when you make a deposit of at least $1 each month.
4.05%p.a
Bonus interest rate6
0.05%p.a
Base interest rate
- No minimum first deposit
- Interest calculated daily and applied monthly
- Generous bonus interest
Kickstart your savings online
Online Saver Account
Enjoy the flexibility unlimited withdrawals as you move one step closer to your savings goal.
3.30%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
- Unlimited withdrawals with no penalty
- Be rewarded when you keep a balance of $2,000 or more
- No monthly account keeping fees
Grow your money
Term Deposit
Grow your savings and keep your money safe for the future with a Term Deposit. Choose from a different range of terms to suit your needs.
- Fixed return on your investments
- Deposit protection
- No monthly account or application fees
- Flexible terms
Everyday account for pensioners
Pension Account
Competitive interest rates for pensioners. Making your money work for you.
2.90%p.a
Interest rate (all amounts)
- No minimum balance necessary
- Access your funds whenever you need them for your everyday spending
- Benefit from interest that is a higher rate than a standard transaction account
Kickstart your savings online
Online Saver Account
Enjoy the flexibility unlimited withdrawals as you move one step closer to your savings goal.
3.30%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
- Unlimited withdrawals with no penalty
- Be rewarded when you keep a balance of $2,000 or more
- No monthly account keeping fees
We're here to help
Bank First acknowledges the Traditional Custodians of the land on which we come together and we pay our respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples and other First Nations people who are part of our community.