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Banks & Online Banking in Australia

Links to every major Australian bank — the Big Four (CommBank, ANZ, NAB, Westpac), digital banks like ING and Up, regional banks, and customer-owned mutuals, all APRA-regulated.

Australia's banking sector is dominated by the Big Four — Commonwealth Bank, ANZ, NAB, and Westpac — which together hold the majority of retail deposits and home loans in Australia. Each offers comprehensive internet banking through their websites and award-winning mobile apps.

Beyond the Big Four, digital-first banks such as Up, uBank, and Macquarie have grown rapidly by offering higher savings rates and better app experiences, with lower overheads from operating without branch networks.

Mutual banks and credit unions — including Great Southern Bank (formerly CUA), Heritage Bank, and IMB — are customer-owned, meaning profits are returned to members rather than shareholders.

The Big Four

Commonwealth Bank

commbank.com.au

Australia's largest retail bank with 15 million+ customers. Full-service internet banking, home loans, credit cards, personal loans, and the CommBank app.

ANZ Bank

anz.com.au

One of Australia's Big Four banks with a major Asia-Pacific presence. Personal and business banking, home loans, credit cards, and the ANZ Plus digital bank.

NAB

nab.com.au

National Australia Bank — Australia's largest business bank. Everyday accounts, home loans, credit cards, and the NAB app for internet and mobile banking.

Westpac

westpac.com.au

Australia's oldest bank, established 1817. Westpac Group also owns St.George, Bank of Melbourne, and BankSA. Full retail and business banking.

Regional Banks

Suncorp Bank

suncorp.com.au

Queensland-based bank acquired by ANZ in 2024 but continuing under the Suncorp brand. Everyday accounts, home loans, and savings.

Bank of Queensland

boq.com.au

ASX-listed regional bank. BOQ Group includes Virgin Money Australia and ME Bank. Home loans, business banking, and everyday accounts.

Bendigo Bank

bendigobank.com.au

Community-focused bank founded 1858, known for sharing profits with local communities. Everyday banking, home loans, term deposits, and business accounts.

St.George Bank

stgeorge.com.au

Part of the Westpac Group, particularly strong in NSW. Home loans, everyday accounts, savings, and business banking online and in branches.

Bank of Melbourne

bankofmelbourne.com.au

Westpac Group brand serving Victoria. Home loans, everyday banking, and savings products with a local focus for Victorian customers.

BankSA

banksa.com.au

South Australia's bank, part of the Westpac Group. Home loans, personal banking, business accounts, and savings products for SA customers.

Digital & Online Banks

ING Australia

ing.com.au

Online-only bank known for fee-free everyday banking and consistently high savings rates. ING's Savings Maximiser is a long-running top pick for Australian savers.

Up Bank

up.com.au

App-first digital bank backed by Bendigo Bank, popular with younger Australians. Smart spending insights, automatic saving, and fee-free overseas transactions.

uBank

ubank.com.au

NAB's digital banking brand. High-interest savings accounts, home loans, and no-fuss mobile banking with no monthly fees.

Macquarie Bank

macquarie.com

Investment bank with a growing retail arm. Macquarie's transaction and savings products are consistently rated for high interest rates and their mobile app.

Bankwest

bankwest.com.au

Part of the Commonwealth Bank Group, operating as an online-only bank since 2023. Strong savings rates, home loans, and credit cards for WA and national customers.

International Banks in Australia

HSBC Australia

hsbc.com.au

Global bank with Australian retail services — everyday accounts, home loans, credit cards, and competitive rates on international money transfers.

Citibank Australia

citibank.com.au

Citibank's Australian services include travel rewards credit cards, savings accounts, and personal loans.

Mutual Banks & Credit Unions

Great Southern Bank

greatsouthernbank.com.au

Australia's largest customer-owned bank (formerly CUA). Home loans, savings, credit cards, and everyday banking — profits returned to members, not shareholders.

Heritage Bank

heritage.com.au

Queensland-based mutual bank with competitive home loans, savings, and term deposits. Member-owned, so profits benefit customers.

IMB Bank

imb.com.au

Illawarra Mutual Bank — community banking for NSW and the ACT. Home loans, savings, everyday banking, and personal loans.

BankFirst

bankfirst.com.au

Victorian mutual bank serving education and healthcare workers. Competitive rates on home loans, savings, and everyday accounts.

Beyond Bank Australia

beyond.com.au

Customer-owned bank operating across SA, WA, ACT, and NSW. Home loans, everyday accounts, savings, and business banking with community reinvestment.

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