--- title: Retail deposit and investment rates, Reserve Bank of Australia resource: https://publicdata.au/d/rba-retail-deposit-rates/ publisher: Reserve Bank of Australia licence: RBA copyright notice licence_url: https://www.rba.gov.au/copyright/ version: 2026-09-07 rows: 537 fields: 16 source: https://www.rba.gov.au/statistics/tables/csv/f4-data.csv source_sha256: 8fd9aa98633ce376d3044afbbff91525691f18cc11883058cd93f46c25dcbffc language: en-AU operator: National Digital not_endorsed: true --- # Retail deposit and investment rates, Reserve Bank of Australia Advertised retail deposit and investment rates at the end of each month since December 1981: transaction and savings accounts and bank term deposits from one month to three years. 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 Retail Deposit and Investment Rates, Term deposit rates history Australia, Savings account interest rates history, Bank deposit rates RBA. ## Download Latest version, redirects to `https://publicdata.au/d/rba-retail-deposit-rates/v/2026-09-07/`: - csv: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.csv (33 KB) - xlsx: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.xlsx (34 KB) - json: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.json (302 KB) - parquet: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.parquet (21 KB) - sqlite: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.sqlite (98 KB) - duckdb: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.duckdb (200 KB) - ndjson: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.ndjson (298 KB) - arrow: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.arrow (18 KB) - csv.gz: https://publicdata.au/d/rba-retail-deposit-rates/latest/data.csv.gz (6.7 KB) Pinned version 2026-09-07: `https://publicdata.au/d/rba-retail-deposit-rates/v/2026-09-07/data.`. 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-retail-deposit-rates/rows. Counts and sums: https://publicdata.au/api/v1/datasets/rba-retail-deposit-rates/aggregate. - Rows: https://publicdata.au/api/v1/datasets/rba-retail-deposit-rates/rows?date=eq.2026-08-31&limit=5 - Aggregate: https://publicdata.au/api/v1/datasets/rba-retail-deposit-rates/aggregate?group=date&metric=avg.term_deposit_banks_10k_1_year&date=eq.2026-08-31 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//` before `rows` or `aggregate` for an answer that never changes. `/api/v1/datasets//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-retail-deposit-rates/openapi.json ## Explore Charts and dashboards in the browser: https://publicdata.au/d/rba-retail-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. | | `transaction_banks_5k` | number | FRDIRTAB5K | Retail deposit and investment rates; Transaction accounts; Banks; $5000. Units: Per cent per annum. RBA series FRDIRTAB5K, source RBA. | | `transaction_building_societies_5k` | number | FRDIRTABS5K | Retail deposit and investment rates; Transaction accounts; Building societies; $5000. Units: Per cent per annum. RBA series FRDIRTABS5K, source RBA. | | `transaction_credit_unions_5k` | number | FRDIRTACU5K | Retail deposit and investment rates; Transaction accounts; Credit unions; $5000. Units: Per cent per annum. RBA series FRDIRTACU5K, source RBA. | | `transaction_mutuals_5k` | number | FRDIRTAMA5K | Retail deposit and investment rates; Transaction accounts; Building societies, credit unions and mutual banks; $5000. Units: Per cent per annum. RBA series FRDIRTAMA5K, source RBA. | | `savings_bonus_banks_10k` | number | FRDIRSAB10K | Retail deposit and investment rates; Savings accounts; Banks' bonus savings accounts; $10000. Units: Per cent per annum. RBA series FRDIRSAB10K, source RBA. | | `savings_online_10k` | number | FRDIRSAO10K | Retail deposit and investment rates; Savings accounts; Online savings accounts; $10000. Units: Per cent per annum. RBA series FRDIRSAO10K, source RBA. | | `savings_cash_management_banks_10k` | number | FRDIRSAC10K | Retail deposit and investment rates; Savings accounts; Cash management accounts at banks; $10000. Units: Per cent per annum. RBA series FRDIRSAC10K, source RBA. | | `savings_cash_management_banks_50k` | number | FRDIRSAC50K | Retail deposit and investment rates; Savings accounts; Cash management accounts at banks; $50000. Units: Per cent per annum. RBA series FRDIRSAC50K, source RBA. | | `cash_management_trusts` | number | FRDIRCMT | Retail deposit and investment rates; Cash management trusts. Units: Per cent per annum. RBA series FRDIRCMT, source ABS. | | `term_deposit_banks_10k_1_month` | number | FRDIRBTD10K1M | Retail deposit and investment rates; Banks' term deposits ($10000); 1 month. Units: Per cent per annum. RBA series FRDIRBTD10K1M, source RBA. | | `term_deposit_banks_10k_3_months` | number | FRDIRBTD10K3M | Retail deposit and investment rates; Banks' term deposits ($10000); 3 months. Units: Per cent per annum. RBA series FRDIRBTD10K3M, source RBA. | | `term_deposit_banks_10k_6_months` | number | FRDIRBTD10K6M | Retail deposit and investment rates; Banks' term deposits ($10000); 6 months. Units: Per cent per annum. RBA series FRDIRBTD10K6M, source RBA. | | `term_deposit_banks_10k_1_year` | number | FRDIRBTD10K1Y | Retail deposit and investment rates; Banks' term deposits ($10000); 1 year. Units: Per cent per annum. RBA series FRDIRBTD10K1Y, source RBA. | | `term_deposit_banks_10k_3_years` | number | FRDIRBTD10K3Y | Retail deposit and investment rates; Banks' term deposits ($10000); 3 years. Units: Per cent per annum. RBA series FRDIRBTD10K3Y, source RBA. | | `term_deposit_banks_10k_average` | number | FRDIRBTD10KAR | Retail deposit and investment rates; Banks' term deposits ($10000); Average rate (all terms). Units: Per cent per annum. RBA series FRDIRBTD10KAR, source RBA. | Key: `date`. ## Versions - 2026-09-07: 537 rows, 16 fields, sha256 8fd9aa98633c. https://publicdata.au/d/rba-retail-deposit-rates/v/2026-09-07/ Machine-readable: https://publicdata.au/d/rba-retail-deposit-rates/versions.json, https://publicdata.au/d/rba-retail-deposit-rates/changes.json, https://publicdata.au/d/rba-retail-deposit-rates/datapackage.json, https://publicdata.au/d/rba-retail-deposit-rates/schema.json, https://publicdata.au/d/rba-retail-deposit-rates/history.tar.zst ## Same subject, other publishers - [Daily fuel prices by service station, Northern Territory, 2017 to 2024](https://publicdata.au/d/nt-fuel-prices-history/) (NT) - [Fuel price changes at every service station, Queensland, latest month](https://publicdata.au/d/qld-fuel-prices/) (Qld) - [Petroleum and gas reserves by field, Queensland](https://publicdata.au/d/qld-petroleum-gas-reserves/) (Qld) - [Poker machine expenditure by venue, Victoria, 2008-09 to 2021-22](https://publicdata.au/d/vic-gaming-expenditure-by-venue-history/) (Vic) ## Attribution and citation Source: Reserve Bank of Australia, statistical table F4 Retail Deposit and Investment 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. The cash management trusts series is sourced by the RBA from the Australian Bureau of Statistics under CC BY 4.0. 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 Retail Deposit and Investment 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. The cash management trusts series is sourced by the RBA from the Australian Bureau of Statistics under CC BY 4.0. Serialised and versioned by National Digital at publicdata.au, https://publicdata.au/d/rba-retail-deposit-rates/v/2026-09-07/ Harvard: Reserve Bank of Australia (2026) Retail deposit and investment rates, Reserve Bank of Australia, 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-retail-deposit-rates/v/2026-09-07/ Markdown: Data: [Retail deposit and investment rates, Reserve Bank of Australia](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-retail-deposit-rates/v/2026-09-07/) by [National Digital](https://nationaldigital.com.au/). ## Questions ### How do I download Retail deposit and investment rates as a CSV file? Open https://publicdata.au/d/rba-retail-deposit-rates/latest/data.csv. It redirects to the newest dated version, which is https://publicdata.au/d/rba-retail-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 Retail deposit and investment rates in Excel? Yes. https://publicdata.au/d/rba-retail-deposit-rates/v/2026-09-07/data.xlsx is a workbook with the 537 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-retail-deposit-rates/v/2026-09-07/data.csv.gz is the CSV at about a tenth of the size. ### What years does Retail deposit and investment rates cover? The current version covers 1981 to 2025. Each release from RBA becomes a new dated version here, and earlier versions stay online. ### How often is Retail deposit and investment rates updated? RBA releases it monthly. This site checks the portal every week and adds a dated version when the file changes. ### Can I use Retail deposit and investment rates 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 Retail deposit and investment rates? 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. ### What are these rates? Advertised rates at the end of each month for transaction accounts of $5,000, savings accounts of $10,000 and $50,000, and bank term deposits of $10,000 for one month to three years, as the RBA collects them from a sample of institutions. The RBA describes them as indicative and likely to be revised. The series began at different dates, so early rows have many null cells. ### Why do some series stop? The RBA stopped collecting building society and credit union rates separately when the sector consolidated, and the cash management trusts series, sourced from the ABS, ended in March 2009. The RBA publishes a Series Breaks table on the same page that explains each break. ### 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-retail-deposit-rates.yaml](https://github.com/National-Digital/publicdata.au/blob/main/register/rba-retail-deposit-rates.yaml) on GitHub, and a fix to it is welcome as a pull request. https://publicdata.au/contribute/ explains how.