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
We are updating our Bank First App
Our updated Bank First App will bring you a range of new features including Confirmation of Payee, an easier way to set up savings goals and streamlined menu options.
Confirmation of Payee is coming!
Confirmation of Payee is a layer of protection to make payments safer when paying a BSB and account number for the first time.
At Bank First, we will launch Confirmation of Payee in the coming months.
News and articles
2 minutes read13 August 2025
RBA rate change
Banking
Following the RBA's decrease to the cash rate, Bank First will be decreasing the interest rates on our variable home loans and a range of savings products by 0.25% p.a.
Learn more
3 minutes read5 August 2025
Meet the students shaping tomorrow
Scholarships & Awards
The next generation of educators are dedicated to shaping tomorrow, and they're making an impact from day one.
Learn more
2 minutes read4 August 2025
How virtual reality is changing home health care
Health
Alfred Health Nursing scholarship recipient Emma O’Donnell is exploring how virtual reality can prepare clinicians to deliver care beyond the hospital.
Learn more
No wallet, no problem
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)
- $0 monthly account fees and ATM withdrawal fees in Australia
- No minimum balance necessary
- 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.