BSB 704-191
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Who’s offering a head-turning rate?

Basic Home Loan

5.24%p.a
Owner Occupied P&I. LVR up to 60%*
5.27%p.a
Comparison Rate1
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Bank First can help you with

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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. 

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Confirmation of Payee is almost here!

We are almost ready to launch Confirmation of Payee, an industry-wide banking service that can help protect you from scams and mistaken payments.

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News and articles

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How to protect yourself from tax scams

Security
Tax time is a prime period for scammers. It is during this period that an out-of-the-bluecall from the ATO doesn’t seem so out-of-the-blue because it is, of course, tax time.
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2 minutes read17 August 2025

Breaking communication barriers with learning devices

Community
State Schools’ Relief’s iPad program gives students tools to communicate and engage in class and at home.
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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.
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No wallet, no problem

Quick and easy, tap and go.

Simply add your card to your digital wallet and pay on-the-go through Apple Pay7 or Google Pay7.

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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?
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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.
3.85%p.a
Bonus interest rate2
0.05%p.a
Base interest rate
  • Cash back
  • No minimum first deposit
  • Earn bonus interest
Learn moreApply now
Kickstart your savings online
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Online Saver Account

Enjoy the flexibility unlimited withdrawals as you move one step closer to your savings goal.
3.05%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
Learn moreApply now
Our lowest variable rate
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Basic Home Loan

Make buying a home simple with our lowest variable rate, flexible repayments and no redraw fees.
5.24%p.a
Owner Occupied P&I. LVR up to 60%*
5.27%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
A helping hand
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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
Learn moreApply now
Peace of mind
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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
Learn moreGet a quote
Our lowest variable rate
Taking-care-of-business-with-a-cuppa-tea

Basic Home Loan

5.24%p.a
Owner Occupied P&I. LVR up to 60%*
5.27%p.a
Comparison Rate1
  • Our simplest home loan with no offset
  • Make extra repayments and redraw without a fee⁴
  • No ongoing or monthly fees
Learn moreApply now
Bonuses on savings
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Bonus Saver Account

Grow your savings with bonus interest when you make a deposit of at least $1 each month.
3.80%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
Learn moreApply now
Kickstart your savings online
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Online Saver Account

Enjoy the flexibility unlimited withdrawals as you move one step closer to your savings goal.
3.05%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
Learn moreApply now
Grow your money
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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
Learn moreApply now
Everyday account for pensioners
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Pension Account

Competitive interest rates for pensioners. Making your money work for you.
2.65%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
Learn moreApply now
Kickstart your savings online
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Online Saver Account

Enjoy the flexibility unlimited withdrawals as you move one step closer to your savings goal.
3.05%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
Learn moreApply now

We're here to help

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Get in touchGet in touch

Fill in our online form, request a callback or find a branch.

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Fraud and scamsFraud and scams

Learn more fraud and scams, what to look out for and how to protect yourself from scammers.

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Forms and applicationsForms and applications

Make account changes or apply online.

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Download our AppDownload our App

Easy, fast and secure banking on-the-go.

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    1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

    2. Bonus interest additional to the base rate is earned when deposits totalling a minimum of $100 and no withdrawals are made in the calendar month.

    3. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

    4. Standard underwriting criteria and policy terms and conditions apply. Insurance issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769 AFSL 240960 trading as Bank First (Bank First), acts under its own AFSL and under an agreement with CGU, not as your agent. Bank First receives commission when selling CGU insurance products. Please refer to Bank First’s Financial Services Guide (FSG) for details of these commissions. 

    5. Minimum redraw is $500.

    6. Bonus interest additional to the base rate applies when you make at least one deposit of a minimum of $1.00 and no withdrawals are made in the calendar month.

    7. Apple Pay is a trademark of Apple Inc, registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.

    *Interest rates apply to new lending only.

     

Custodian-Flags

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.