Explore Qudos Bank

Home Loans

Find the right loan to make your home-owning dreams come true

Personal Loans

Whatever you need extra funds for, we can make it happen

★ Featured

A no sweat home loan

No bank fees. No worries. No Frills Home Loan^

5.99 % p.a.  Comparison rate

^T&Cs, fees, charges, and lending criteria apply. Rates displayed above are available for new borrowings of $150,000 and over only, owner-occ, P&I, deposit >30%

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Bonus Saver

Earn bonus interest when you make no withdrawals in any calendar month.

Term Deposit

Safeguard your savings with a Qudos Bank fixed rate term deposit account.

★ Featured

Future you will thank you

Start saving with our high interest 12 month Term Deposit

For 12 months 5.00 % p.a.

#Term and conditions apply

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Credit Cards

Choose from a range of credit cards to meet your needs at the most competitive rates.

International Money

Our association with Convera creates a one-stop shop for international transactions of any size.

★ Featured

Earn Qantas Points* on your everyday purchases

With our Visa Platinum Credit Card you can earn Qantas Points* on everyday purchases and enjoy a host of other exceptional features.



Young family sitting by the pool

Qudos Mutual Limited trading as Qudos Bank, ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305, arranges this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Policy terms, conditions, limits and exclusions apply. It is important that you read the relevant Product Disclosure Statement (PDS) available at www.qudosbank.com.au to consider whether the product is right for you. The relevant Target Market Determination is available by calling 1300 205 060.

Retirement Savings Account

The Retirement Savings Account is for those looking for security and flexibility for their superannuation, rollovers and allocated pensions.

DIY Super Saver

Give your Self-Managed Super Fund a boost. Secure a great rate with our DIY Super Saver* You must have a Self Managed Super Fund (SMSF) in order to acquire this product.



5 stars

Easy to use app

"App is very easy to use, I like the new details around transactions and the link to google maps to find out who and where the purchase was made from."

App store review by T19canon



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What's happening at Qudos Bank

Our latest updates, community initiatives, and handy tips to help you build a better financial future.


Help with your banking

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Scam Help

For card related transaction enquiries, please call 1300 747 747 and select Option 4 and then Option 1.

If you have been impacted by a scam and an online transfer via internet banking has occurred, please call our Fraud team on 1300 747 747 and select Option 4 then Option 2.

Operating hours are Mon to Fri 7am – 7pm (AEDT) and Sat 9am – 5pm (AEDT).

To learn more tips on how you can keep your accounts secure, please visit our Fraud & Security hub for more information.



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Keep up-to-date with the latest blogs from Qudos Bank.



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  • 1 WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison rate assumes a loan of $150,000 for 25 years. For interest only loans, the comparison rate is based on a 5-year interest only period, reverting to the interest rate applicable to a principal and interest loan with a deposit of 20% or more for the relevant purpose.

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Normal lending criteria, terms and conditions and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval. Interest only subject to approval. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.#

#Interest can be payable monthly (standard terms only), or at maturity (terms <12 months, including special terms) or annually and at maturity (terms>12 months).Standard terms are available for 3, 6, 9, 12, 24 and 36 months. Special terms available for 5, 7 and 11 months. Visit www.qudosbank.com.au/products/savings-accounts/term-deposit to compare the interest rates across all Term Deposit terms. 

You may withdraw or transfer the balance of your term deposit early by giving us 31 days notice. However if you do, we will reduce the interest on the term deposit from the date it was opened until the date of withdrawal or transfer by 2% per annum, or the term deposit rate if it is less than 2%. We have the discretion to delay the withdrawal or transfer until the end of the notice period (but not beyond the maturity date). If you have already been paid interest, the reduction will be deducted from the balance of the term deposit.

As the information on this page is of a general nature and has been prepared without considering your objectives, financial situation or needs, before acting on the information, consider its appropriateness to your circumstances.

Before opening an account with us, you should read our Terms and Conditions for Savings Accounts and Payment Services and Financial Services Guide.

Rates current as at 29 May 2024.