Interest rate announcement: Following the RBA’s decision to change the official cash rate, interest rates for owner-occupier and investor variable loans will increase by 0.25%, effective 15 October 2026. From 15 October 2026, deposit rates across the majority of savings products will also increase by 0.25%. Find out more.
Planned Maintenance - Digital Banking Services - Sunday 18 October 2026 - Find out more.
Build your financial future one deposit at a time
Whether you're saving for a house deposit, new car or dream holiday - we’re here to help make it happen
Your future starts with your savings
Bonus Saver
Boost your savings when you make a deposit of at least $100 and make no withdrawals in a calendar month.~ Start building a strong financial future.
- $0 account keeping fees
- No minimum balance required to open account
- Direct credits available
Qantas Points Saver
Saving has never been more rewarding. Earn more than just interest, plus get a complimentary Qantas Frequent Flyer membership*.
- Earn 400 Qantas Points* per annum for every $1,000 of your average balance
- Qantas Points can be earned on balances up to $1,000,000*
Please note other interest rates may apply to other balances.
Set your kids up for success right from the start
Kids can start saving with Qudos Bank from any age with our youth membership.
Find the option that could work for you
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*Qantas Points accrue in accordance with and subject to (1) for Visa Platinum Credit Card, the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions) and (2) for Qantas Points Saver, the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee is waived for Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffqudos. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at qantas.com/terms. This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.
Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.
~ A Base rate of interest is applied. Bonus interest is applied to the balance of your account when you make a deposit of at least $100 and no withdrawals in any calendar month.
The information on this page has been prepared without taking into account any person’s financial situation, needs and objectives. Before you make any decisions you should consider whether it is right for you and seek independent legal, financial and taxation advice.
You should read our Terms and Conditions for Savings Accounts and Payment Services and Financial Services Guide before deciding whether to obtain any of our financial products or services. Target Market Determinations available here.
BPAY is a registered trade mark of BPAY Pty Ltd ABN 69 079 137 518.
We respectfully acknowledge the Traditional Custodians of all the lands on which we live and work, and we pay our respects to Elders past and present. We recognise their continued connection to the land, waters and culture and we acknowledge that sovereignty has never been ceded. Our head office is located on the land of the Wurundjeri Woi Wurrung people of the Kulin Nation in Victoria.
We are an equal opportunity employer that celebrates the diversity, equity and inclusion of all people.
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