A taxa de juros de referência na Austrália foi registrada pela última vez em 3,60 por cento. Esta página fornece - Taxa de Juros da Austrália - valores reais, dados históricos, previsões, gráfico, estatísticas, calendário econômico e notícias.

On November 8, 2023, the Reserve Bank of Australia (RBA) increased the interest rate by **** percentage points, bringing the interest rate to **** percent. This was the thirteenth interest rate increase by the RBA since November 4, 2020, which saw the interest rate drop to a record *** percent.

The Reserve Bank of Australia's (RBA) cash rate target in-part determines interest rates on financial products.

A comparison of the Australian target cash rate and the overnight interbank lending rate shows that, after around a decade of being identical, the economic impact of the coronavirus (COVID-19) pandemic led to the actual overnight lending rate being lower than the Reserve Bank of Australia's target rate. This means that banks are lending to each other at lower rates than the "official" interest rate. One reason for this is the that the Reserve bank has made money available to banks in several new ways over this period (such as repo agreements where banks can pledge assets for short term funds), increasing liquidity in the banking system. As of June 2025, the overnight interbank cash rate and the target cash rate stood at **** and **** percent, respectively.

Reserve Bank of Australia (RBA) Interest Rate Decision is one of the key instruments of the national monetary and credit policy. RBA board members hold regular meetings after which the bank publishes

Key information about Australia Long Term Interest Rate

• Australia Government Bond Yield: Australian Government: 10 Years was reported at 4.42 % pa in Feb 2025, compared with 4.48 % pa in the previous month.
• Australia Long Term Interest Rate data is updated monthly, available from Jul 1969 to Feb 2025.
• The data reached an all-time high of 16.50 % pa in Aug 1982 and a record low of 0.80 % pa in Oct 2020.
• Long Term Interest Rate is reported by reported by Reserve Bank of Australia.

• In the latest reports, Australia Short Term Interest Rate: Month End: Bank Acceptance Bills Rates: 90 days was reported at 4.12 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: Cash Target Rate) was set at 4.10 % pa in Feb 2025.
• Australia Exchange Rate against USD averaged 1.49 (USD/AUD) in Jun 2023.

Key information about Australia Policy Rate

• Australia cash rate (Policy Rate: Month End: Cash Target Rate) was set at 4.10 % pa in Feb 2025, compared with 4.35 % pa in the previous Jan 2025.
• Australia Policy Rate averaged 4.75 % pa and is updated monthly, available from Aug 1990 to Feb 2025.
• The data reached an all-time high of 14.00 % pa in Sep 1990 and a record low of 0.10 % pa in Apr 2022.

• In the latest reports, Australia Short Term Interest Rate: Month End: Bank Acceptance Bills Rates: 90 days was reported at 4.25 % pa in Jan 2025.
• Its Long Term Interest Rate (Government Bond Yield: Australian Government: 10 Years) was reported at 4.48 % pa in Jan 2025.
• Australia Exchange Rate against USD averaged 1.49 (USD/AUD) in Jun 2023.
• Its Real Effective Exchange Rate was 100.34 in Jan 2025.

Interbank Rate in Australia decreased to 3.69 percent in August from 3.84 percent in July of 2025. This dataset provides - Australia Three Month Interbank Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for Australia (IR3TIB01AUM156N) from Jan 1968 to Jul 2025 about interbank, Australia, 3-month, yield, interest rate, interest, and rate.

The interest rate of bank accepted bills/negotiable certificates of deposit for Australian banks has fallen slightly over the last decade. From a peak of around **** percent from late 2010 to late 2011, interest rates on three and six month bills/certificates had fallen to **** and **** percent respectively as of September 2021 . Notably, these rates were below the the official Reserve Bank of Australia (RBA) target cash rate of *** percent. Primarily, the reason for this is that the RBA was more concerned with ensuring banks have liquidity than intervening so that the cash rate is consistent with its target rate, and to this end RBA used new methods to inject funds into banks since the coronavirus (COVID-19) pandemic. As of May 2024, the interest rates on three and six month bills/certificates increased to **** and **** percent, respectively.

Real interest rate (%) in Australia was reported at 1.5781 % in 2019, according to the World Bank collection of development indicators, compiled from officially recognized sources. Australia - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on September of 2025.

In 2019, the real interest rate in Australia amounted to **** percent. Between 1961 and 2019, the figure dropped by **** percentage points, though the decline followed an uneven course rather than a steady trajectory.

This report analyses the Australian cash rate target. The cash rate is the interest rate that authorised deposit-taking institutions pay or charge for overnight funds. The cash rate target is controlled by the Reserve Bank of Australia (RBA) and is the main monetary policy tool of the RBA in signalling their stance and decision of easing or tightening policy. The RBA board meets on the first Tuesday of every month and decides whether to change the cash rate and by how much. Changes to the cash rate tend to be made in 25 basis point increments. The main objectives for the bank when adjusting the rate are to keep inflation within the target of 2-3%, maintain full employment and ensure the economic prosperity and welfare of Australians. The data for this report is sourced from the RBA and is presented as the average cash rate over each financial year.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Bank Bills: Total for Australia (IR3TBB01AUM156N) from Jan 1968 to Dec 2023 about bills, Australia, 3-month, yield, banks, interest rate, depository institutions, interest, and rate.

In July 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In the first half of 2025, Russia maintained the highest interest rate at 18 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at 0 percent in July 2025. In contrast, Russia maintained a high inflation rate of 8.8 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.

The Finance sector's operating environment was previously characterised by record-low interest rates. Nonetheless, high inflation prompted the Reserve Bank of Australia (RBA) to hike the cash rate from May 2022 onwards. This shift allowed financial institutions to impose higher loan charges, propelling their revenue. Banks raised interest rates quicker than funding costs in the first half of 2022-23, boosting net interest margins. However, sophisticated competition and digital disruption have reshaped the sector and nibbled at the Big Four's dominance, weighing on ADIs' performance. In the first half of 2025, the fierce competition has forced ADIs to trim lending rates even ahead of RBA moves to protect their slice of the mortgage market. Higher cash rates initially widened net interest margins, but the expiry of cheap TFF funding and a fierce mortgage war are now compressing spreads, weighing on ADIs' profitability. Although ANZ's 2024 Suncorp Bank takeover highlights some consolidation, the real contest is unfolding in tech. Larger financial institutions are combatting intensified competition from neobanks and fintechs by upscaling their technology investments, strengthening their strategic partnerships with cloud providers and technology consulting firms and augmenting their digital offerings. Notable examples include the launch of ANZ Plus by ANZ and Commonwealth Bank's Unloan. Meanwhile, investor demand for rental properties, elevated residential housing prices and sizable state-infrastructure pipelines have continued to underpin loan growth, offsetting the drag from weaker mortgage affordability and volatile business sentiment. Overall, subdivision revenue is expected to rise at an annualised 8.3% over the five years through 2024-25, to $524.6 billion. This growth trajectory includes an estimated 4.8% decline in 2024-25 driven by rate cuts in 2025, which will weigh on income from interest-bearing assets. The Big Four banks will double down on technology investments and partnerships to counter threats from fintech startups and neobanks. As cybersecurity risks and APRA regulations evolve, financial institutions will gear up to strengthen their focus on shielding sensitive customer data and preserving trust, lifting compliance and operational costs. In the face of fierce competition, evolving regulations and shifting customer preferences, consolidation through M&As is poised to be a viable trend for survival and growth, especially among smaller financial institutions like credit unions. While rate cuts will challenge profitability within the sector, expansionary economic policies are poised to stimulate business and mortgage lending activity, presenting opportunities for strategic growth in a dynamic market. These trends are why Finance subdivision revenue is forecast to rise by an annualised 1.1% over the five years through the end of 2029-30, to $554.9 billion

As of the end of March 2025, the average mortgage interest rate for Australian owner-occupier borrowers was around *** percent. In comparison, the average investor interest rate was approximately *** percent. These rates refer to outstanding housing loans from banks and registered financial corporations. New loans financed in that month had even similar interest rates, at *** percent for owner-occupiers and *** percent for investors, respectively.

This report analyses the standard variable home loan interest rate from registered banks. The data is collected monthly and converted into an average rate quoted by large bank lenders. Actual interest rates for loans can often vary, as they are subject to individual factors like loan size, the option of split-interest rates and whether there are redraw facilities or offset accounts. The data is sourced from the Reserve Bank of Australia (RBA) and presented as the average interest rate over each financial year.

The Foreign Banks industry includes domestic subsidiaries of foreign banks and branches of foreign banks, which have grown over the past few years as soaring interest rates contributed to a sharp revenue rise. The Reserve Bank of Australia (RBA) maintained a relatively low cash rate over the past decade – especially in response to the pandemic – to stimulate economic activity. The low cash rate environment hampered foreign banks' revenue in the three years through 2021-22. In May 2022, this all changed when inflation rose quickly, leading to the fastest and largest hike cycle on record. These trends ensured a revenue explosion in the two years through 2023-24, especially after a decade of cheap money drove extensive private and corporate borrowing in Australia. Overall, industry revenue is expected to grow at an annualised 11.8% over the five years through 2024-25, to $45.6 billion. This includes an anticipated decline of 8.8% in 2024-25 as the RBA cut rates. Foreign banks are typically less exposed than domestic banks to the residential lending market and depend more on commercial lending because of the high number of foreign bank branches, with the noted exception of HSBC Bank, which has substantially grown its mortgage books over the past few years. Meanwhile, foreign bank branches increasingly lent to corporate clients despite a highly competitive market. These long-term trends allowed industry profit margins to heighten. Yet, as interest rates surged in 2022, so did foreign banks’ funding expenses. This weighed on profit’s proportion of revenue despite net earnings growth. Australian foreign banks’ outlook is more mixed over the coming years as interest rates gradually drop. Foreign banks are set to shift their focus towards ESG offerings like responsible lending, to satisfy consumer demand for green loans. In response to the fierce competition from lenders, including non-banks and fintech firms, foreign banks are set to splurge on technology to remain relevant. Funding costs will start easing as interest rates decline, causing profit margins to rebound. Overall, revenue is forecast to fall at an annualised 3.8% over the five years through 2029-30, to $37.8 billion.

Australia Lending Rate: Small Business: Variable: Others: Overdraft data was reported at 10.510 % pa in Mar 2025. This records a decrease from the previous number of 10.630 % pa for Feb 2025. Australia Lending Rate: Small Business: Variable: Others: Overdraft data is updated monthly, averaging 9.960 % pa from Feb 1976 (Median) to Mar 2025, with 590 observations. The data reached an all-time high of 21.050 % pa in Dec 1989 and a record low of 6.510 % pa in Apr 2022. Australia Lending Rate: Small Business: Variable: Others: Overdraft data remains active status in CEIC and is reported by Reserve Bank of Australia. The data is categorized under Global Database’s Australia – Table AU.M004: Lending Rate.