As a member-owned bank, we carefully consider the needs of all our members to ensure we make a balanced decision.
RBA interest rate update.
On 3 February 2026, the Reserve Bank of Australia (RBA) announced an increase of 0.25% to the cash rate.
This has resulted in a decision to increase our interest rates, to enable us to remain sustainable and competitive, and align our products to market conditions.
As a result, Beyond Bank is increasing interest rates by:
- 0.25% for variable owner-occupier and investor loans
- 0.25% for variable commercial loans.
The variable loan rate increase is effective from Tuesday, 17 February 2026.
How to update your payment.
For scheduled transfers from your Beyond Bank savings account:
- Internet Banking: Login > Transfer/Pay > Scheduled Payments. Select your loan by clicking on the three dots on the right and update your repayment amount.
- Mobile App: Login > Pay (from the menu bar on the top left) > Scheduled. Select your loan, click the Edit button on the bottom right and update your repayment amount.
- Call us on 13 25 85
- Visit your nearest branch.
For scheduled transfers from another financial institution, please call us on 13 25 85 to arrange an update. Alternatively you can complete our direct debit authorisation form and return it to your nearest branch.
Changes to savings accounts.
Following the Reserve Bank of Australia’s (RBA) decision to increase the official cash rate, Beyond Bank will also be making some adjustments to our savings account interest rates. The tables below show some of the rate changes that we will be making to our Savings Account products. Rates for these accounts will change on Tuesday, 17 February 2026.
Current Savings Accounts.
From Tuesday, 17 February 2026, Beyond Bank’s advertised Savings Accounts Interest Rates will be as follows.
monEsaver
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
$0 - $4,999 |
1.55 |
1.80 |
0.25 |
|
$5,000 - $199,999 |
1.85 |
2.10 |
0.25 |
|
$200,000 + |
2.10 |
2.35 |
0.25 |
Purple Bonus Saver
|
Tier |
Current Total Rate (% p.a.)* |
New Total Rate (% p.a.)* |
Change (% p.a.) |
|
$0 - $199,999 |
3.89 |
4.14 |
0.25 |
|
$200,000+ |
0.01 |
0.01 |
No change |
Community Reward Account
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
$0 - $4,999 |
1.90 |
2.40 |
0.50 |
|
$5,000 - $199,999 |
2.20 |
2.70 |
0.50 |
|
$200,000 + |
2.30 |
2.80 |
0.50 |
Retirement Account (and no longer available Everyday 55 Account)
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
$0 - $4,999 |
0.85 |
1.00 |
0.15 |
|
$5,000 - $48,599 |
1.05 |
1.20 |
0.15 |
|
$48,600 + |
1.50 |
1.65 |
0.15 |
BU Account
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
$0 + |
2.55 |
2.70 |
0.15 |
Community Account (and no longer available Cash Management Account)
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
$0 - $4,999 |
0.01 |
0.01 |
No Change |
|
$5,000 - $19,999 |
0.05 |
0.20 |
0.15 |
|
$20,000 - $99,999 |
0.55 |
0.80 |
0.15 |
|
$100,000+ |
0.80 |
0.95 |
0.15 |
Bank Guarantee Facility Account
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
$0 + |
3.20 |
3.45 |
0.25 |
Accounts no longer available for sale.
From Tuesday, 17 February 2026, Beyond Bank’s Savings Accounts Interest Rates will be as follows.
These accounts can no longer be opened, and the following rates apply to existing accounts only.
Junior Saver Account
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
$0 + |
2.35 |
2.60 |
0.25 |
Bonus Saver Account / Bonus Youth Account
|
Tier |
Current Total Rate (% p.a.)* |
New Total Rate (% p.a.)* |
Change (% p.a.) |
|
$0 - $4,999 |
1.45 |
1.70 |
0.25 |
|
$5,000 + |
1.65 |
1.90 |
0.25 |
Double Interest Saver Account
|
Tier |
Current Total Rate (% p.a.)* |
New Total Rate (% p.a.)* |
Change (% p.a.) |
|
$0 - $4,999 |
1.48 |
1.72 |
0.24 |
|
$5,000 + |
1.68 |
1.92 |
0.24 |
Junior Saver Bonus Account
|
Tier |
Current Total Rate (% p.a.)* |
New Total Rate (% p.a.)* |
Change (% p.a.) |
|
$0 - $4,999 |
2.35 |
2.60 |
0.25 |
|
$5,000 + |
2.35 |
2.60 |
0.25 |
Home Saver Account
|
Tier |
Current Total Rate (% p.a.)* |
New Total Rate (% p.a.)* |
Change (% p.a.) |
|
All balances |
1.80 |
2.05 |
0.25 |
Christmas Club Account
|
Tier |
Current Rate (% p.a.) |
New Rate (% p.a.) |
Change (% p.a.) |
|
All Balances |
1.75 |
2.00 |
0.25 |
* The total interest amount includes bonus interest and will apply where eligibility is met. For details, see our product guide or applicable product schedule. Where total interest eligibility is not met, the base interest applicable to the account will apply; see all interest rates.
We're here to help.
Beyond Bank has more than 275,000 member-owners. 21,000 have loan accounts, and 16,000 hold term deposits. Because our members own the bank, all monies generated by the organisation are reinvested into the business to provide products and services and maintain the bank’s strong capital position.
We are very mindful of cost-of-living pressures and their impact on people today, and that interest rates can have a significant influence on this. We will always take an approach based on working with our owner-members in a caring and supportive way.
If you need assistance with your loans, please call 13 25 85, option 2 to speak to our specialist team.
For general tips and resources for your financial wellbeing, please visit beyondbank.com.au/financial-wellbeing.html
