Commentary - Financial Guides & Resources

▌Financial METARAEST│CASH3.85%RBA+25bp▲Feb '26CPI4.3%Dec '25│SAV-HI5.40%TD-12M4.93%HLO-LO5.43%CC-PTS200K pts│NEXT RBA5d━━━

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CMT · CommentaryGATE R1

RBA Cash Rate Tracker: Current Rate, History & Forecast

Track the current RBA cash rate, see the full history of rate decisions, and understand what the cash rate means for your mortgage, savings, and the economy.

8 MIN06 FEB '26

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CMT

CommentaryGATE R1

The Intro Rate Trap: When Savings Leave You Worse Off

Introductory savings rates look generous, but the blended effective rate over 12 months often falls short of steady no-conditions accounts.

Bonus Savings Failure Rates: Why Most Australians Miss Out

In 2023, 71% of accounts missed their rate. We analyse the massive bonus savings account failure rate and why unconditional accounts often pay more.

Australian Interest Rate Forecast: What's Next for Rates?

Understand how the RBA sets interest rates, what drives rate movements, and how to position your finances for any rate cycle in Australia.

The Forced Spending Trap: When Saving Costs You Money

Savings account transaction requirements can cost more than the bonus interest you earn. We do the math on forced spending traps at ING, Westpac, and BOQ.

The Loyalty Tax: Cost of Not Switching Banks

The loyalty tax: how much you lose by not switching banks. Real rate comparisons and a step-by-step guide to switching.

7 MIN22 JAN '26

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