---
title: Interest rates paid on deposits, Reserve Bank of Australia and APRA
resource: https://publicdata.au/d/rba-paid-deposit-rates/
publisher: Reserve Bank of Australia
licence: RBA copyright notice
licence_url: https://www.rba.gov.au/copyright/
version: 2026-09-07
rows: 85
fields: 13
source: https://www.rba.gov.au/statistics/tables/csv/f4.1-data.csv
source_sha256: 939468663b3e293086d9bd7a9a117533a7da037ca496e3a896ab010bb0a0a726
language: en-AU
operator: National Digital
not_endorsed: true
---

# Interest rates paid on deposits, Reserve Bank of Australia and APRA

Weighted average interest rates banks paid on outstanding deposits and on new term deposits each month since July 2019, for households and institutions, at-call and term. Updated monthly.

Published by Reserve Bank of Australia under RBA copyright notice and republished here in other formats, with cells typed and suppressed values made null. Reserve Bank of Australia has not endorsed this site.

Also called: Table F4.1 Paid Deposit Rates, Weighted average deposit rate, Average term deposit rate paid, Household deposit rates APRA.

## Download

Latest version, redirects to `https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/`:

- csv: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.csv (5.2 KB)
- xlsx: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.xlsx (13 KB)
- json: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.json (38 KB)
- parquet: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.parquet (13 KB)
- sqlite: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.sqlite (41 KB)
- duckdb: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.duckdb (200 KB)
- ndjson: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.ndjson (35 KB)
- arrow: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.arrow (10 KB)
- csv.gz: https://publicdata.au/d/rba-paid-deposit-rates/latest/data.csv.gz (1.2 KB)

Pinned version 2026-09-07: `https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/data.<format>`. Dated versions never change.

## Query

The query API returns only the rows you ask for, as JSON, NDJSON or CSV, from the same typed rows as the files. It needs no key. Rows: https://publicdata.au/api/v1/datasets/rba-paid-deposit-rates/rows. Counts and sums: https://publicdata.au/api/v1/datasets/rba-paid-deposit-rates/aggregate.

- Rows: https://publicdata.au/api/v1/datasets/rba-paid-deposit-rates/rows?date=eq.2026-07-31&limit=5
- Aggregate: https://publicdata.au/api/v1/datasets/rba-paid-deposit-rates/aggregate?group=date&metric=avg.new_term_households&date=eq.2026-07-31

Each filter is `field=operator.value` in the query string, and every filter must match. A number or date field compares as a number or date, and a text field compares as text. Values are case-sensitive except with `ilike`. Prefix `not.` to negate a filter, as `not.eq.value`. Operators: `eq.value`, `neq.value`, `gt.value`, `gte.value`, `lt.value`, `lte.value`, `like.*text*`, `ilike.*text*`, `in.(a,b,c)`, `is.null`.

- `select`: Fields to return, comma-separated. Every field when absent.
- `order`: `field.asc` or `field.desc`, comma-separated. The publisher's row order when absent.
- `limit`: Rows per page, 1 to 10,000. 100 when absent.
- `offset`: Rows to skip. The `next` URL in each answer sets it for you.
- `group`: On `aggregate`, fields to group by, comma-separated.
- `metric`: On `aggregate`, `count`, `sum.field`, `avg.field`, `min.field` or `max.field`, comma-separated. `count` when absent.
- `format`: `json`, `ndjson` or `csv`. JSON carries the provenance header, and the others carry it in response headers.

Without a version the API answers from the newest loaded version, and that answer changes when the publisher releases again. Put `versions/<date>/` before `rows` or `aggregate` for an answer that never changes. `/api/v1/datasets/<slug>/versions` lists the loaded versions. The API allows 60 requests in 10 seconds from one address. Above that it answers 429 for 10 seconds with a `Retry-After` header, a `RateLimit-Policy` header and a JSON body that gives the limit. Every API answer carries the same `RateLimit-Policy`. A client should wait the `Retry-After` seconds, or read the files, which have no limit. OpenAPI for this dataset: https://publicdata.au/d/rba-paid-deposit-rates/openapi.json

## Explore

Charts and dashboards in the browser: https://publicdata.au/d/rba-paid-deposit-rates/explore/. A dashboard can be shared as a link or embedded.

## Fields

| field | type | publisher's header | note |
|---|---|---|---|
| `date` | date | Series ID | The date of the observation. |
| `outstanding_total` | number | PDROT | Weighted average interest rate paid on all outstanding deposits. Units: Per cent per annum. RBA series PDROT, source APRA; RBA. |
| `outstanding_households` | number | PDROH | Weighted average interest rate paid to households on all outstanding deposits. Units: Per cent per annum. RBA series PDROH, source APRA; RBA. |
| `outstanding_institutions` | number | PDROI | Weighted average interest rate paid to institutions on all outstanding deposits. Units: Per cent per annum. RBA series PDROI, source APRA; RBA. |
| `outstanding_at_call_total` | number | PDROAT | Weighted average interest rate paid on deposits in outstanding at-call accounts. Units: Per cent per annum. RBA series PDROAT, source APRA; RBA. |
| `outstanding_at_call_households` | number | PDROAH | Weighted average interest rate paid to households on deposits in outstanding at-call accounts. Units: Per cent per annum. RBA series PDROAH, source APRA; RBA. |
| `outstanding_at_call_institutions` | number | PDROAI | Weighted average interest rate paid to institutions on deposits in outstanding at-call accounts. Units: Per cent per annum. RBA series PDROAI, source APRA; RBA. |
| `outstanding_term_total` | number | PDROTT | Weighted average interest rate paid on deposits in outstanding term deposit accounts. Units: Per cent per annum. RBA series PDROTT, source APRA; RBA. |
| `outstanding_term_households` | number | PDROTH | Weighted average interest rate paid to households on deposits in outstanding term deposit accounts. Units: Per cent per annum. RBA series PDROTH, source APRA; RBA. |
| `outstanding_term_institutions` | number | PDROTI | Weighted average interest rate paid to institutions on deposits in outstanding term deposit accounts. Units: Per cent per annum. RBA series PDROTI, source APRA; RBA. |
| `new_term_total` | number | PDRNTT | Weighted average interest rate paid on all new term deposits. Units: Per cent per annum. RBA series PDRNTT, source APRA; RBA. |
| `new_term_households` | number | PDRNTH | Weighted average interest rate paid to households on all new term deposits. Units: Per cent per annum. RBA series PDRNTH, source APRA; RBA. |
| `new_term_institutions` | number | PDRNTI | Weighted average interest rate paid to institutions on all new term deposits. Units: Per cent per annum. RBA series PDRNTI, source APRA; RBA. |

Key: `date`.

## Versions

- 2026-09-07: 85 rows, 13 fields, sha256 939468663b3e. https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/

Machine-readable: https://publicdata.au/d/rba-paid-deposit-rates/versions.json, https://publicdata.au/d/rba-paid-deposit-rates/changes.json, https://publicdata.au/d/rba-paid-deposit-rates/datapackage.json, https://publicdata.au/d/rba-paid-deposit-rates/schema.json, https://publicdata.au/d/rba-paid-deposit-rates/history.tar.zst

## Same subject, other publishers

- [Taxable income, salary, rent, tax and super by postcode, Australia, 2023-24](https://publicdata.au/d/au-taxable-income-by-postcode-2023-24/) (Cth)
- [Petroleum and gas reserves by field, Queensland](https://publicdata.au/d/qld-petroleum-gas-reserves/) (Qld)
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## Attribution and citation

Source: Reserve Bank of Australia, statistical table F4.1 Paid Deposit Rates, sourced 30 September 2026 from https://www.rba.gov.au/statistics/tables/, republished under sections 4 and 5 of the RBA copyright notice, https://www.rba.gov.au/copyright/. The RBA does not endorse this site or any use of this data. The RBA publishes this data free of charge at rba.gov.au. Source: APRA; RBA. The series are compiled by the RBA from the Australian Prudential Regulation Authority's Economic and Financial Statistics collection, published under CC BY 3.0 AU.

The licence requires the publisher's attribution. We ask that you also name publicdata.au and link to the version you used.

Plain text: Source: Reserve Bank of Australia, statistical table F4.1 Paid Deposit Rates, sourced 30 September 2026 from https://www.rba.gov.au/statistics/tables/, republished under sections 4 and 5 of the RBA copyright notice, https://www.rba.gov.au/copyright/. The RBA does not endorse this site or any use of this data. The RBA publishes this data free of charge at rba.gov.au. Source: APRA; RBA. The series are compiled by the RBA from the Australian Prudential Regulation Authority's Economic and Financial Statistics collection, published under CC BY 3.0 AU. Serialised and versioned by National Digital at publicdata.au, https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/

Harvard: Reserve Bank of Australia (2026) Interest rates paid on deposits, Reserve Bank of Australia and APRA, version 2026-09-07 [data set], RBA copyright notice, sourced 30 September 2026. Serialised and versioned by National Digital at publicdata.au. Available at: https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/

Markdown: Data: [Interest rates paid on deposits, Reserve Bank of Australia and APRA](https://www.rba.gov.au/copyright/), Reserve Bank of Australia, [RBA copyright notice](https://www.rba.gov.au/copyright/), sourced 30 September 2026. Files: [publicdata.au](https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/) by [National Digital](https://nationaldigital.com.au/).

## Questions

### How do I download Interest rates paid on deposits, Reserve Bank of Australia and APRA as a CSV file?

Open https://publicdata.au/d/rba-paid-deposit-rates/latest/data.csv. It redirects to the newest dated version, which is https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/data.csv today. The same path serves Excel, JSON, Parquet, SQLite, DuckDB, NDJSON, Arrow. A dated URL never changes, so use it when the file must stay the same.

### Can I open Interest rates paid on deposits, Reserve Bank of Australia and APRA in Excel?

Yes. https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/data.xlsx is a workbook with the 85 rows on a records sheet, the field list on a second sheet and the provenance on a third. The CSV also opens in Excel. https://publicdata.au/d/rba-paid-deposit-rates/v/2026-09-07/data.csv.gz is the CSV at about a tenth of the size.

### What years does Interest rates paid on deposits, Reserve Bank of Australia and APRA cover?

The current version covers 2019 to 2025. Each release from RBA becomes a new dated version here, and earlier versions stay online.

### How often is Interest rates paid on deposits, Reserve Bank of Australia and APRA updated?

RBA releases it monthly. This site checks the portal every week and adds a dated version when the file changes.

### Can I use Interest rates paid on deposits, Reserve Bank of Australia and APRA commercially?

Yes. RBA copyright notice allows commercial use, redistribution and derived works as long as the attribution is kept. The attribution string is in this page's side column and inside every file.

### Is this the official source for Interest rates paid on deposits, Reserve Bank of Australia and APRA?

No. The publisher is Reserve Bank of Australia, and its page is https://www.rba.gov.au/copyright/. This site republishes the publisher's file without changing its content. The original sits beside every version as source.csv with its SHA-256, so the two can be compared.

### How do these differ from advertised rates?

These are the weighted average rates banks actually paid on deposits outstanding at the end of each month, and on new term deposits taken in the month, split between households and institutions and between at-call and term deposits. The advertised rates are in the retail deposit and investment rates table.

### Where does the data come from?

Banks report to APRA under the Economic and Financial Statistics collection and the RBA compiles the averages. The RBA marks the source as APRA and RBA jointly and both are named in the attribution.

### Under what licence is RBA data republished here?

The RBA excludes its numerical data from the CC BY 4.0 licence that covers the rest of its site, and instead permits it to be used, reproduced, published and communicated to the public for personal or commercial use under sections 4 and 5 of its copyright notice, with attribution and no claim of endorsement. The RBA does not endorse this site or any use of this data, and it publishes the same figures free of charge at rba.gov.au. Every file here carries that attribution.

## What this site did to the data

Cells were typed, headers were renamed to snake_case and the encoding was made UTF-8. Rows were left alone. Nothing is derived. The publisher's file is beside every version as `source.csv`.

## Improve this dataset

This page is built from [register/rba-paid-deposit-rates.yaml](https://github.com/National-Digital/publicdata.au/blob/main/register/rba-paid-deposit-rates.yaml) on GitHub, and a fix to it is welcome as a pull request. https://publicdata.au/contribute/ explains how.