Below are interest rates for our deposit accounts, business loans as well as our older 'grandfathered' accounts.
Looking for Personal Interest Rates?
Business Everyday Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| All Balances | No Interest |
Business Premium Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| $500,000 and over | 2.75% p.a. |
| $250,000 - $499,999 | 2.20% p.a |
| $100,000 - $249,999 | 1.25% p.a. |
| $50,000 - $99,999 | 0.90% p.a. |
| $20,000 - $49,999 | 0.40% p.a. |
| $1 - $19,999 | 0.00% p.a |
Interest calculated daily and paid monthly on a tiered basis.
Business Saver Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| All Balances | 4.75% p.a. |
Variable interest rate. Interest is calculated daily and paid monthly.
Business Saver Account flexiRates
| Interest Type | Annual Interest Rate |
|---|---|
| 3 months | 5.55% p.a. |
| 6 months | 6.20% p.a. |
| 12 months# or choose your own end date, log onto Internet Banking for today's rates |
6.40% p.a. |
| 4 month special | 5.70% p.a. |
Interest is calculated daily on the whole balance of the nominated flexiRate amount and paid at the end of the flexiRate period. flexiRate interest is fixed for the nominated flexiRate period. The maximum flexiRate period is 1 year. An interest adjustment will apply if we allow you to release your flexiRate early.
Business Casual Overdraft Reference Rate
| Annual Interest Rate | |
|---|---|
| Informal Overdraft | 19.75% p.a. |
Calculated daily and applied monthly to your account.
Farm Management Deposit - At Call
| Minimum Balance | Annual Interest Rate |
|---|---|
| $1,000 - $400,000 | 3.75% p.a. |
Interest is calculated daily and paid annually on anniversary of maturity.
Farm Management Deposit - Fixed Term
| Term | Interest Paid | $1,000 - $49,999 | $50,000 - $99,999 | $100,000 - $400,000 |
|---|---|---|---|---|
| 1 month | Maturity | 3.80% p.a. | 3.80% p.a. | 3.80% p.a. |
| 2 months | Maturity | 3.80% p.a. | 3.80% p.a. | 3.80% p.a. |
| 3 months | Maturity | 4.80% p.a. | 4.80% p.a. | 4.80% p.a. |
| 6 months | Maturity | 5.30% p.a. | 5.30% p.a. | 5.30% p.a. |
| 9 months | Maturity | 5.30% p.a. | 5.30% p.a. | 5.30% p.a. |
| 12 months | Maturity | 6.55% p.a. | 6.55% p.a. | 6.55% p.a. |
| 24 months | On anniversary & maturity | 6.55% p.a. | 6.55% p.a. | 6.55% p.a. |
Monthly interest payments are available on terms 2, 3, 6, 9, 12 and 24 months at 0.30%p.a. below the rates listed in the table above.
Quarterly interest payments are available on terms 6, 9, 12 and 24 months at 0.25%p.a. below the rates listed in the table above.
Half yearly interest payments are available on terms 12 and 24 months, at 0.15%p.a. below the rates listed in the table above.
Business Ready Package
| Minimum Balance | Annual Interest Rate |
|---|---|
| All Credit Balances | 4.00% p.a |
Interest is calculated daily and paid monthly.
Small Business Loans*
| Loan Type | Annual Percentage Rate - Residential Security |
|---|---|
| Variable Rate |
9.09% p.a. |
| Business Essentials Loan Rate | 7.18% p.a. |
| 1 Year Fixed Rate |
7.05% p.a. |
| 2 Year Fixed Rate |
7.70% p.a. |
| 3 Year Fixed Rate | 7.70% p.a. |
| 4 Year Fixed Rate | 8.75% p.a. |
| 5 Year Fixed Rate |
9.05% p.a. |
*An interest margin of 0.15% (for new business) will be added to Small Business Loans with Commercial/Other Security.
These interest rates do not apply to Small Business Loans regulated by the National Credit Code. Please ask us for details of rates applying to regulated Small Business Loans.
Small Business Overdrafts#
| Loan Type | Annual Percentage Rate - Residential Security | Annual Percentage Rate - Commercial/Other Security |
|---|---|---|
| Variable |
10.59% p.a. |
10.74% p.a. |
#Calculated as the Bank's Small Business Overdraft Reference Rate plus a margin.
These interest rates do not apply to Small Business Overdrafts regulated by the National Credit Code. Please ask us for details of rates applying to regulated Small Business Overdrafts.
Small Business Line of Credit#
| Loan Type | Annual Percentage Rate - Residential Security | Annual Percentage Rate - Commercial/Other Security |
|---|---|---|
| Variable | 9.19% p.a. | 9.34% p.a. |
#Calculated as the Bank's Small Business Line of Credit Reference Rate plus a margin.
These interest rates do not apply to a Small Business Line of Credit regulated by the National Credit Code. Please ask us for details of rates applying to a regulated Small Business Line of Credit
Low Doc*
| Margin Type | Margin |
|---|---|
| Low Doc | 0.15% p.a. |
*Low Doc option is available on Standard Variable, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed, 4 Year Fixed and 5 Year Fixed loans. Low Doc Customer Margin will be added to relevant rate displayed.
Business Credit Cards
| Loan Type | Annual Interest Rate |
|---|---|
| Suncorp Clear Options Business Card – Purchases | 17.95% p.a. |
| Suncorp Clear Options Business Card – Cash Advance | 17.95% p.a. |
Download the Schedule of Fees and Charges (PDF, 161KB) for other Suncorp Bank Business Accounts
Business Standard
| Minimum Balance | Annual Interest Rate |
|---|---|
| All Balances | No Interest |
Business Cheque
| Minimum Balance | Annual Interest Rate |
|---|---|
| All Balances |
No Interest |
Business Management Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| $500,000 and over |
2.60% p.a. |
| $250,000 - $499,999 |
2.20% p.a. |
| $100,000 - $249,999 |
1.25% p.a. |
| $50,000 - $99,999 |
0.90% p.a. |
| $20,000 - $49,999 | 0.40% p.a. |
| $1 - $19,999 | 0.00% p.a. |
Interest calculated daily and paid monthly on a tiered basis.
Business Investment Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| $100,000 + | 2.55% p.a |
| $50,000 - $99,999 | 1.05% p.a |
| $1 - $49,999 | 0.00% p.a. |
Variable interest rate. Interest calculated daily and paid at month end on a tiered basis.
Business Investment Account - Options
| Minimum Balance | Annual Interest Rate |
|---|---|
| All Balances | 4.65% p.a. |
Variable interest rate. Interest is calculated daily and paid monthly.
Business Investment Account flexiRates
| Interest Type | Annual Interest Rate |
|---|---|
| 3 months | 5.55% p.a. |
| 6 months | 6.20% p.a. |
| 12 months# or choose your own end date, log onto Internet Banking for today's rates |
6.40% p.a. |
| 4 months special | 5.70% p.a. |
Interest is calculated daily on the whole balance of the nominated flexiRate amount and paid at the end of the flexiRate period. flexiRate interest is fixed for the nominated flexiRate period. The maximum flexiRate period is 1 year. An interest adjustment will apply if we allow you to release your flexiRate early.
iBus Maximiser Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| All Balances | 4.65% p.a. |
Variable interest rate.
# Interest calculated daily and paid monthly on a stepped basis.
iBus Maximiser Account flexiRates
| Interest Type | Annual Interest Rate |
|---|---|
| 3 months | 5.55% p.a. |
| 6 months | 6.20% p.a. |
| 12 months# or choose your own end date, log onto Internet Banking for today's rates |
6.40% p.a. |
| 4 months special | 5.70% p.a. |
Interest is calculated daily on the whole balance of the nominated flexiRate amount and paid at the end of the flexiRate period. flexiRate interest is fixed for the nominated flexiRate period. The maximum flexiRate period is 1 year. An interest adjustment will apply if we allow you to release your flexiRate early.
Business Finance Pak
| Minimum Balance | Annual Interest Rate |
|---|---|
| $50,000 and over | 0.50% p.a |
| $20,000 - $49,999 | 0.01% p.a |
| $2,500 - $19,999 | 0.01% p.a |
| $1 - $2,499 | 0.01% p.a |
Interest calculated daily and paid Half yearly on a tiered basis.