--- title: "Comparisons — CDR Compare" description: "Ready-made side-by-side comparisons of Australian bank and non-bank lending products, built live from Consumer Data Right data." canonical: https://www.cdrcompare.au/comparisons source: "CDR Compare" language: en-AU --- # Comparisons > Ready-made side-by-side comparisons of Australian bank and non-bank lending products, built live from each provider's Consumer Data Right data. These are starting points, not recommendations. Products are never ranked or scored, providers are listed alphabetically within each set, and nothing here is financial advice. ## All comparisons (12) | Comparison | Category | Providers | | --- | --- | --- | | [Big four bank home loans](https://www.cdrcompare.au/comparisons/big-four-home-loans) | Home Loans | ANZ, CommBank, NATIONAL AUSTRALIA BANK, Westpac | | [Digital-only home loans](https://www.cdrcompare.au/comparisons/digital-home-loans) | Home Loans | Athena Home Loans, CommBank, UBank, Up | | [Bank vs non-bank home loans](https://www.cdrcompare.au/comparisons/bank-vs-non-bank-home-loans) | Home Loans | Athena Home Loans, CommBank, Firstmac, Westpac | | [Home loans with an offset account](https://www.cdrcompare.au/comparisons/offset-home-loans) | Home Loans | Great Southern Bank, ING BANK (Australia) Ltd, Macquarie Bank Limited, Westpac | | [High-interest savings accounts](https://www.cdrcompare.au/comparisons/high-interest-savings) | Transaction & Savings Accounts | ING BANK (Australia) Ltd, Macquarie Bank Limited, UBank, Up | | [Everyday transaction accounts](https://www.cdrcompare.au/comparisons/everyday-accounts) | Transaction & Savings Accounts | CommBank, ING BANK (Australia) Ltd, UBank, Up | | [Term deposits](https://www.cdrcompare.au/comparisons/term-deposits) | Term Deposits | ANZ, Judo Bank, Macquarie Bank Limited, NATIONAL AUSTRALIA BANK | | [Low-rate credit cards](https://www.cdrcompare.au/comparisons/low-rate-credit-cards) | Credit & Charge Cards | ANZ, Great Southern Bank, ING BANK (Australia) Ltd, Westpac | | [Unsecured personal loans](https://www.cdrcompare.au/comparisons/personal-loans) | Personal Loans | ANZ, ING BANK (Australia) Ltd, NATIONAL AUSTRALIA BANK, Westpac | | [Car loans: banks vs manufacturer finance](https://www.cdrcompare.au/comparisons/car-loans) | Personal Loans | CommBank, Great Southern Bank, NATIONAL AUSTRALIA BANK, Toyota Finance | | [Buy now, pay later](https://www.cdrcompare.au/comparisons/buy-now-pay-later) | Buy Now Pay Later | CommBank, Plenti, Zip | | [Unsecured business loans](https://www.cdrcompare.au/comparisons/business-loans) | Business Loans | CommBank, Judo Bank, NATIONAL AUSTRALIA BANK, Westpac | ### Big four bank home loans The basic owner-occupier variable loan from each of Australia's four largest banks, side by side. - ANZ — [ANZ Simplicity PLUS](https://www.cdrcompare.au/brands/anz/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac) - CommBank — [Simple Home Loan (Owner Occupied)](https://www.cdrcompare.au/brands/commbank/products/b33d5f9a08c6455cbda5c52c40e878a5) - NATIONAL AUSTRALIA BANK — [NAB Base Variable Rate Home Loan](https://www.cdrcompare.au/brands/national-australia-bank/products/e34c524c-6323-468f-8e20-36130e256fd5) - Westpac — [Flexi First : Our lowest online variable home loan rate (Owner Occupied)](https://www.cdrcompare.au/brands/westpac/products/HLVariableFlexiOwnerOccupied) Full comparison: https://www.cdrcompare.au/comparisons/big-four-home-loans ### Digital-only home loans Owner-occupier loans from lenders that operate entirely online, with no branch network behind them. - Athena Home Loans — [Athena Straight Up](https://www.cdrcompare.au/brands/athena-home-loans/products/athena-straight-up) - CommBank — [Digi Home Loan (Owner Occupied)](https://www.cdrcompare.au/brands/commbank/products/c1d7e8ef741e45e5b013fa7d05574e80) - UBank — [Neat - OO Variable P&I](https://www.cdrcompare.au/brands/ubank/products/11) - Up — [Up Home Loan](https://www.cdrcompare.au/brands/up/products/up-home) Full comparison: https://www.cdrcompare.au/comparisons/digital-home-loans ### Bank vs non-bank home loans Two banks and two non-bank lenders on the same product type — the comparison the Consumer Data Right made possible in 2026. - Athena Home Loans — [Athena Power Up](https://www.cdrcompare.au/brands/athena-home-loans/products/athena-power-up) - CommBank — [Simple Home Loan (Owner Occupied)](https://www.cdrcompare.au/brands/commbank/products/b33d5f9a08c6455cbda5c52c40e878a5) - Firstmac — [Simple Home Loan](https://www.cdrcompare.au/brands/firstmac/products/fmc-simple) - Westpac — [Flexi First : Our lowest online variable home loan rate (Owner Occupied)](https://www.cdrcompare.au/brands/westpac/products/HLVariableFlexiOwnerOccupied) Full comparison: https://www.cdrcompare.au/comparisons/bank-vs-non-bank-home-loans ### Home loans with an offset account Variable owner-occupier loans that come with a full offset account attached. - Great Southern Bank — [Offset Variable OO P&I](https://www.cdrcompare.au/brands/great-southern-bank/products/4200-0111) - ING BANK (Australia) Ltd — [Orange Advantage](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/9b408eec-e2ff-4c65-a19f-d72fbaa181f9) - Macquarie Bank Limited — [Macquarie Offset Home Loan](https://www.cdrcompare.au/brands/macquarie-bank-limited/products/LN001MBLSTD001) - Westpac — [Rocket Loan : Variable Home Loan with Offset (Owner Occupied)](https://www.cdrcompare.au/brands/westpac/products/HLVariableOffsetOwnerOccupied) Full comparison: https://www.cdrcompare.au/comparisons/offset-home-loans ### High-interest savings accounts Bonus-rate savings accounts from four providers, with the conditions each one attaches to the headline rate. - ING BANK (Australia) Ltd — [Savings Maximiser](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72) - Macquarie Bank Limited — [Macquarie Savings Account](https://www.cdrcompare.au/brands/macquarie-bank-limited/products/SV001MBLSAV001) - UBank — [Save account](https://www.cdrcompare.au/brands/ubank/products/1) - Up — [Up Saver](https://www.cdrcompare.au/brands/up/products/up-saver) Full comparison: https://www.cdrcompare.au/comparisons/high-interest-savings ### Everyday transaction accounts The day-to-day account from four providers, compared on fees and features rather than interest. - CommBank — [Smart Access](https://www.cdrcompare.au/brands/commbank/products/33557e367d324529b38813adfc655b55) - ING BANK (Australia) Ltd — [Orange Everyday](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/5dfd508b-e0c5-435c-a332-49d138cfdbaf) - UBank — [Spend account](https://www.cdrcompare.au/brands/ubank/products/2) - Up — [Up Everyday Account](https://www.cdrcompare.au/brands/up/products/up-everyday) Full comparison: https://www.cdrcompare.au/comparisons/everyday-accounts ### Term deposits The standard personal term deposit from three banks and one business-focused lender, across their published terms. - ANZ — [ANZ Term Deposit](https://www.cdrcompare.au/brands/anz/products/4438b7ed-e889-1ff0-4599-4524d5f55ae3) - Judo Bank — [Personal Term Deposits](https://www.cdrcompare.au/brands/judo-bank/products/09c281bb-27cb-4daf-88f4-067e28d37ea4) - Macquarie Bank Limited — [Macquarie Term Deposit](https://www.cdrcompare.au/brands/macquarie-bank-limited/products/TD001MBLTDA001) - NATIONAL AUSTRALIA BANK — [NAB Term Deposit](https://www.cdrcompare.au/brands/national-australia-bank/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3) Full comparison: https://www.cdrcompare.au/comparisons/term-deposits ### Low-rate credit cards Each provider's lowest-purchase-rate card, so the annual fee and interest-free terms sit next to each other. - ANZ — [ANZ Low Rate](https://www.cdrcompare.au/brands/anz/products/7c74f4ae-4965-08a0-c5c0-7bf2c677269b) - Great Southern Bank — [Low Rate Credit Card (New)](https://www.cdrcompare.au/brands/great-southern-bank/products/2691-0100) - ING BANK (Australia) Ltd — [Orange One Low Rate](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/5031dc6b-6993-4de1-8e0b-a96de30c2f28) - Westpac — [Low Rate Card](https://www.cdrcompare.au/brands/westpac/products/CCLowRate) Full comparison: https://www.cdrcompare.au/comparisons/low-rate-credit-cards ### Unsecured personal loans Fixed and variable unsecured personal loans from four lenders, with their establishment and ongoing fees. - ANZ — [ANZ Fixed Rate Personal Loan](https://www.cdrcompare.au/brands/anz/products/cbb832c8-9f1e-443f-99ed-da407a384f86) - ING BANK (Australia) Ltd — [ING Personal Loan](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/f9349fd9-7f0e-423a-8e2d-035d8be6c65a) - NATIONAL AUSTRALIA BANK — [NAB Personal Loan](https://www.cdrcompare.au/brands/national-australia-bank/products/0979061d-8020-4c70-93f0-7b2c20bb4f12) - Westpac — [Unsecured Personal Loan](https://www.cdrcompare.au/brands/westpac/products/PLUnsecured) Full comparison: https://www.cdrcompare.au/comparisons/personal-loans ### Car loans: banks vs manufacturer finance Secured car loans from three banks alongside a manufacturer's own finance arm. - CommBank — [Secured Fixed Rate Car Loan](https://www.cdrcompare.au/brands/commbank/products/4bf3ecbdf7b447ef97c815751377715d) - Great Southern Bank — [Secured Fixed Car Loan](https://www.cdrcompare.au/brands/great-southern-bank/products/3000-4605) - NATIONAL AUSTRALIA BANK — [NAB Car Loan](https://www.cdrcompare.au/brands/national-australia-bank/products/9cd6d537-791e-4256-a57d-f0213720a4c0) - Toyota Finance — [Personal Fixed Rate Car Loan](https://www.cdrcompare.au/brands/toyota-finance/products/10) Full comparison: https://www.cdrcompare.au/comparisons/car-loans ### Buy now, pay later Instalment plans from a major bank, a dedicated BNPL provider and a green-lending specialist. - CommBank — [StepPay](https://www.cdrcompare.au/brands/commbank/products/1c721b3bcefe47eaa31e4ec98d8703f7) - Plenti — [Plenti Zero-Interest Payment Plan](https://www.cdrcompare.au/brands/plenti/products/7118cd1c-ceea-4594-b953-ee23592eb309) - Zip — [Zip Pay](https://www.cdrcompare.au/brands/zip/products/zip-pay) Full comparison: https://www.cdrcompare.au/comparisons/buy-now-pay-later ### Unsecured business loans Unsecured lending for small business from three major banks and one business-only bank. - CommBank — [BetterBusiness Loan](https://www.cdrcompare.au/brands/commbank/products/d7c55e295f504692a54360f0d2092c23) - Judo Bank — [Judo Business Loan](https://www.cdrcompare.au/brands/judo-bank/products/2c1264ed-b5de-44d4-b49f-23f8eadc21d4) - NATIONAL AUSTRALIA BANK — [NAB QuickBiz Loan](https://www.cdrcompare.au/brands/national-australia-bank/products/965a7f64-167c-4b26-b8ab-06e90cdb3ff4) - Westpac — [Unsecured Business Loan](https://www.cdrcompare.au/brands/westpac/products/UnsecuredBusinessLoan) Full comparison: https://www.cdrcompare.au/comparisons/business-loans ## Building your own Any four products from any providers can be compared at `/compare?p=:,…`. Provider slugs and product ids are listed at https://www.cdrcompare.au/llms.txt and via the API at https://www.cdrcompare.au/api/v1/brands. --- Source: [CDR Compare](https://www.cdrcompare.au/comparisons) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)