Qudos Bank will increase variable home loan and deposit rates in response the RBA’s recent decision to raise the official cash rate.
From 19 February 2026, interest rates will increase by 0.25% for variable rate owner-occupier and investor loans. For existing home loan customers, repayment changes will be effective from 26 March 2026.
From 19 February 2026, deposit rates across the majority of savings products will also increase by 0.25%.
Affected customers will receive more information on the changes to their rate in the coming weeks.
Support options are available for customers experiencing difficulty or for those concerned about the impact of rising interest rates and repayments. We encourage you to contact us to talk about your situation. For any help and further queries, customers can contact us on 1300 747 747 or visit their nearest branch.
Savings accounts
From 19 February 2026, the below rates will be available:
Qantas Points Saver
| Daily Balance |
Interest Rate (p.a.) |
| All balances |
3.75% |
QSaver
| On Call Savings |
Interest Rate (p.a.) |
| $500,000 & over |
3.95% |
| Below $500,000 |
3.85% |
Bonus Saver
| Saver |
Base rate (p.a.) |
Bonus Rate* (p.a.) |
Maximum Rate (p.a.) |
| All balances |
0.05% |
4.20% |
4.25% |
* Bonus Rate applied if no withdrawals are made during the calendar month
DIY Super Saver
| Balance |
Base rate (p.a.) |
Bonus Rate* (p.a.) |
Maximum Rate (p.a.) |
| $10,000 & over |
0.35% |
3.85% |
4.20% |
| Below $10,000 |
0.35% |
0.00% |
0.35% |
* Bonus Rate applied if no withdrawals are made during the calendar month
Retirement Savings Accounts
| Daily Balance |
Interest Rate (Before Tax) (p.a.) |
Interest Rate (After Tax) (p.a.) |
| $1 million & over |
4.45% |
3.7825% |
| $500,000 to $999,999.99 |
4.45% |
3.7825% |
| $250,000 to $499,999.99 |
4.20% |
3.5700% |
| $50,000 to $249,999.99 |
4.20% |
3.5700% |
| Below $50,000 |
3.55% |
3.0175% |
| Allocated Pensions |
| $1 million & over |
4.45% |
4.45% |
| $500,000 to $999,999.99 |
4.45% |
4.45% |
| $0 to less than $500,000 |
4.20% |
4.20% |
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