Bank Lending Rate in Australia remained unchanged at 10.01 percent in January. Bank Lending Rate in Australia averaged 10.75 percent from 1976 until 2026, reaching an all time high of 21.05 percent in October of 1989 and a record low of 6.51 percent in September of 2020. source: Reserve Bank of Australia

Bank Lending Rate in Australia is expected to be 10.01 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Australia Overdraft Lending Rate is projected to trend around 9.76 percent in 2027 and 9.26 percent in 2028, according to our econometric models.



Related Last Previous Unit Reference
Bank Lending Rate 10.01 10.01 percent Jan 2026
Westpac Consumer Confidence Index 90.50 92.90 points Feb 2026
Westpac Consumer Confidence Change -2.60 -1.70 percent Feb 2026
Consumer Credit 2487.29 2469.49 AUD Billion Dec 2025
GDP Consumption 353842.00 352059.00 AUD Million Sep 2025
Disposable Personal Income 445019.00 437382.00 AUD Million Sep 2025
Gasoline Prices 1.23 1.20 USD/Liter Jan 2026
Households Debt to GDP 113.70 112.70 percent of GDP Jun 2025
Housing Credit MoM 0.70 0.60 percent Dec 2025
Personal Savings 6.40 6.00 percent Sep 2025
Private Sector Credit MoM 0.80 0.60 percent Dec 2025


Australia Overdraft Lending Rate
In Australia, the bank lending rate refers to major banks overdraft lending rate to small and medium businesses.
Actual Previous Highest Lowest Dates Unit Frequency
10.01 10.01 21.05 6.51 1976 - 2026 percent Monthly