The people have voted: Australia’s favourite banks for 2025 revealed
Today, Mozo is thrilled to announce the winners of the Mozo People’s Choice Awards for banking and finance for 2025, after more than 4000 Aussies had their say, revealing their picks for the best of the best across a range of categories.
“Participants in the Mozo People’s ChoiceAwards rated their providers across a range of factors, from service quality to likelihood to recommend,” explains AJ Duncanson, Mozo Data Director and People’s Choice award judge.
The Mozo Experts thoroughly reviewed the responses to determine the brands which received the highest customer ratings in each category.
“These awards stand as a consumer backed endorsement of the brands who have earned the trust and respect of their customers,” says Duncanson.
“That’s why the winners list is an invaluable, authentic starting point for consumers when seeking out new products or services.”.
Outstanding Customer Satisfaction
“As voted for by respondents, the outstanding customer satisfaction award shines a light on the banks and superfunds who offer the best holistic experience. These brands stood above the rest according to the people who matter, their customers, and they are well deserving of recognition for this," explains Duncanson.
- Bank Australia
- Great Southern Bank
- ING
- Macquarie
- Newcastle Permanent
- Up
- Australian Retirement Trust
- Colonial First State
- HESTA
- Hostplus
Most awarded Banks
Setting a high bar for customer experience, these brands exceeded the expectations of their customers earning recognition across a variety of People’s Choice Awards categories. Four banks stood out from the rest this year with wins in four or more categories including wins in the outstanding customer satisfaction and the highly trusted category.
- Bank Australia - 5 Awards
- Great Southern Bank - 4 Awards
- ING - 6 Awards
- Macquarie - 4 Awards
Most awarded Superfunds
Clearly committed to providing the best user experience, these superfunds stood out by each winning four or more awards including wins in the outstanding customer satisfaction, clear communication, and most recommended categories.
- Australian Retirement Trust - 5 Awards
- Colonial First State - 4 Awards
To see the full list of winners, and details on how the winners were chosen, you can read the methodology report here.
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Products from Australia's Favourite Banks
Last updated 22 June 2025 -
Mozo experts choice awards won:
- Exceptional Everyday Account - 2025
- Travel Debit Card - 2025
Everyday Edge Account
No Partner link- Account fee
-
$0.00
- Payment options
-
Apple Pay, Google Pay, PayID, Samsung Pay
- Interest rate
-
0.00
%
p.a.
- Standard interest rate
-
Balances from $0: 0.00% p.a.
- Maximum interest rate
-
-
- Maximum rate conditions
-
n/a
- Account fee
-
$0.00
- Payment options
-
Apple Pay, Google Pay, PayID, Samsung Pay
- What kind of card?
-
Visa Debit or
EFTPOS
- Access
-
ATM, EFTPOS, Visa Debit, BPay, Branch access, Bank@Post
- ATM networks
-
-
- Network ATM fee
-
$0.00
- Over the counter deposit fee
-
$0.00
- Over the counter withdrawal fee
-
$0.00
- EFTPOS fee
-
$0.00
- Phone fee
-
$0.00
- Internet fee
-
$0.00
- Overseas ATM fee
-
$4.50
- Overseas purchase fee
-
$0.00
- Foreign exchange commission
-
2.95%
- Branch access
-
yes
- BPAY
-
yes
- Australia Post banking
-
yes
- Other restrictions
-
-
- Other benefits
-
Great Southern Bank Overseas ATM fees and Foreign Exchange Commission rebated when external deposits of $2,000 are received and at least 5 visa transactions are settled by month.
- Fee free transactions
-
Unlimited free transactions from counter deposit, phone, internet and EFTPOS. Free counter withdrawals.
Read reviews and learn more about Great Southern Bank bank accounts
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Orange Everyday
Go to site- Account fee
-
$0.00
- Payment options
-
Apple Pay, Google Pay, PayID, PayTo
- Interest rate
-
0.00
%
p.a.
ING’s Orange Everyday bank account offers no monthly fees and 1% cashback on eligible utility bills up to $100 (T&Cs apply). Experts Choice Awards Highly Commended Everyday & Savings Bank 2025^
- Standard interest rate
-
Balances from $0: 0.00% p.a.
- Maximum interest rate
-
-
- Maximum rate conditions
-
n/a
- Account fee
-
$0.00
- Payment options
-
Apple Pay, Google Pay, PayID, PayTo
- What kind of card?
-
Visa Debit
- Access
-
ATM, EFTPOS, Visa Debit, BPay, Bank@Post
- ATM networks
-
None
- Network ATM fee
-
$0.00
- Over the counter deposit fee
-
-
- Over the counter withdrawal fee
-
-
- EFTPOS fee
-
$0.00
- Phone fee
-
$0.00
- Internet fee
-
$0.00
- Overseas ATM fee
-
-
- Overseas purchase fee
-
$0.00
- Foreign exchange commission
-
3.00%
- Branch access
-
no
- BPAY
-
yes
- Australia Post banking
-
yes
- Other restrictions
-
-
- Other benefits
-
Access 1% cashback on eligible utility bill payments (up to $100 per financial year), rebates on ATM fees for the first 5 fee incurring withdrawals (domestic), unlimited rebates on the ING International Transaction fee when you deposit at least $1,000 from an external bank account and make at least 5 card purchases using your ING debit card each month.
- Fee free transactions
-
Access 1% cashback on eligible utility bill payments (up to $100 per financial year), rebates on ATM fees for the first 5 fee incurring withdrawals (domestic). When you deposit at least $1,000 from an external bank account and make at least 5 card purchases using your ING debit card each month.
Read reviews and learn more about ING bank accounts
Go to site -
Savings Accelerator
No Partner link- Maximum rate
-
4.95
%
p.a.
(for $150,000 to $500,000)
- Standard rate
-
2.35
%
p.a.
(for $0 to $50,000)
- Standard rate
-
Balances from $0: 2.35% p.a.
Balances from $50,000: 3.25% p.a.
Balances from $150,000: 4.20% p.a.
Balances from $5,000,000: 0.00% p.a.
- Maximum rate
-
Balances from $0: 3.10% p.a.
Balances from $50,000: 4.00% p.a.
Balances from $150,000: 4.95% p.a.
Balances from $500,000: 4.20% p.a.
Balances from $5,000,000: 0.00% p.a.
- Maximum rate conditions
-
New ING personal savings customers who open an account after June 9 2025 receive an introductory bonus 0.75% p.a. variable kick starter rate for the first 4 months on balances up to $500,000. Reverts to variable ongoing rate.
- Interest paid
-
Monthly
- Account fee per month
-
$0.00
- Access
-
Phone banking, Internet banking
- Kids ages
-
-
- Minimum balance
-
$0.00
- Other restrictions
-
Must link to a transaction account
- Other benefits
-
-
Read reviews and learn more about ING savings accounts
-
Savings Maximiser
Go to site- Maximum rate
-
5.00
%
p.a.
(for $0 to $100,000)
- Standard rate
-
0.05
%
p.a.
(for $0 and over)
- Zero ING fees to pay
- Move money easily via app
- Experts Choice Awards Highly Commended Everyday & Savings Bank 2025^
- Standard rate
-
Balances from $0: 0.05% p.a.
- Maximum rate
-
Balances from $0: 5.00% p.a.
Balances from $100,000: 0.05% p.a.
- Maximum rate conditions
-
For customers who deposit $1000 from an external source into a personal ING account (excluding Orange One and Living Super), make 5 eligible transactions and grow their nominated Savings Maximiser account each month so there is more in the account at the end of the month than there was at the start of each month (excluding interest). The total bonus interest rate is available on balances up to $100,000 on one Savings Maximiser the next month after meeting eligibility.
- Interest paid
-
Monthly
- Account fee per month
-
$0.00
- Access
-
Phone banking, Internet banking
- Kids ages
-
-
- Minimum balance
-
$0.00
- Other restrictions
-
Must be linked to an Orange Everyday transaction account to receive the bonus rate. Where multiple Savings Maximiser Accounts are held, the bonus rate is only applied to one nominated account.
- Other benefits
-
No minimum deposits or transactions needed to receive bonus rate when linked with Orange Everyday Youth Account
Read reviews and learn more about ING savings accounts
Go to site -
Mozo experts choice awards won:
- Exceptional Everyday Account - 2025
Spend Account
Go to site- Account fee
-
$0.00
- Payment options
-
Apple Pay, Google Pay, PayID, Samsung Pay, Garmin Pay
- Interest rate
-
0.00
%
p.a.
This account works hand in hand with the USave account. No monthly fees on any of your spend accounts. No uBank international fees to pay. Get instant access to Apple Pay and Google Pay. Plus you could go into the draw to win 1 of 50 cash prizes by signing up and using your Ubank Visa Debit Card between now and 30 June 2025 (T&Cs apply).
- Standard interest rate
-
Balances from $0: 0.00% p.a.
- Maximum interest rate
-
-
- Maximum rate conditions
-
n/a
- Account fee
-
$0.00
- Payment options
-
Apple Pay, Google Pay, PayID, Samsung Pay, Garmin Pay
- What kind of card?
-
Visa Debit
- Access
-
ATM, EFTPOS, Visa Debit
- ATM networks
-
none
- Network ATM fee
-
$0.00
- Over the counter deposit fee
-
-
- Over the counter withdrawal fee
-
-
- EFTPOS fee
-
$0.00
- Phone fee
-
-
- Internet fee
-
$0.00
- Overseas ATM fee
-
-
- Overseas purchase fee
-
$0.00
- Foreign exchange commission
-
0%
- Branch access
-
no
- BPAY
-
no
- Australia Post banking
-
no
- Other restrictions
-
Bank and saving new account sign up only accessible through iOS or Android app.
- Other benefits
-
-
- Fee free transactions
-
Unlimited eftpos, debit, ATM,
and banking app transactions using internet banking or the ubank iOS or Android app.
Read reviews and learn more about ubank bank accounts
Go to site -
High Interest Save Account
Go to site- Maximum rate
-
4.85
%
p.a.
(for $0 to $100,000)
- Standard rate
-
0.00
%
p.a.
(for $0 and over)
- No monthly fees on any of your save accounts
- Split your money with up to 10 Save accounts.
- Set savings targets and track on the app
- Standard rate
-
Balances from $0: 0.00% p.a.
- Maximum rate
-
Balances from $0: 4.85% p.a.
Balances from $100,000: 4.40% p.a.
Balances from $250,000: 0.00% p.a.
- Maximum rate conditions
-
Deposit at least $500 to either Spend, Bills or Save account from an external source each month.
- Interest paid
-
Monthly
- Account fee per month
-
$0.00
- Access
-
Internet banking
- Kids ages
-
-
- Minimum balance
-
$0.00
- Other restrictions
-
Account can only be opened through iOS or Android app, but may be accessed through internet banking.
- Other benefits
-
Bonus rate applies across 10 accounts on balances of up to $250,000 combined.
Read reviews and learn more about ubank savings accounts
Go to site -
Flex Home Loan
- Fixed rate
- Owner occupier
- Principal & Interest
- 40% min deposit
- Offset available
- Redraw available
Go to site- Interest rate
-
5.53
%
p.a.
Fixed 2 years
- Comparison rate
-
5.86
%
p.a.
- Multiple offset accounts available
- Free extra repayments
- Easy redraw facility
- interest rate
-
1 year - 5.62% p.a. (5.88% p.a. comparison rate)
2 years - 5.53% p.a. (5.86% p.a. comparison rate)
3 years - 5.58% p.a. (5.87% p.a. comparison rate)
5 years - 5.79% p.a. (5.95% p.a. comparison rate)
- Fixed loan revert rate
-
5.64% p.a.
- Upfront fees
-
$250.00
- Ongoing fees
-
$250.00 yearly
- Discharge Fee
-
$300.00
- Package
-
-
- Maximum loan to value ratio
-
60.00%
- minimum borrowing amount
-
-
- maximum borrowing amount
-
-
- type of mortgage
-
Fixed
- Repayment types
-
Principal & Interest
- Availability
-
Owner Occupier
- Repayment options
-
Weekly, Fortnightly, Monthly
- Extra repayments
-
yes - free
- Redraw facility
-
yes - free
- Minimum redraw amount
-
-
- Offset account
-
yes
- Split account
-
yes
- Other restrictions
-
If the valuation is over $360, ubank will cover the first $360. Home loans with a term of greater than 30 years will only be available for owner-occupied P&I 80% LVR purchase applications.
- Other benefits
-
-
- Special Offers
-
-
Read reviews and learn more about ubank home loans
Go to site -
Products from Australia's Favourite Share Trading Platforms
-
Share Investing
- Standard
Go to site- Small trade brokerage
-
$0.00
- Large trade brokerage
-
0.1%
- Monthly fee
-
$0.00
CMC Markets Invest makes it easy to trade with a handy web and mobile platform, competitive pricing and thousands of securities. Buy Australian and US shares from $0 brokerage (T&Cs apply - see website for full details).
- Brokerage details
-
$0 for trades up to $1,000. Greater of $11 and 0.1% for trades over $1,000.
- Small trade brokerage
-
$0.00
- Small trade brokerage conditions
-
Trades up to $1,000
- Large trade brokerage
-
0.1%
- Large trade brokerage conditions
-
The greater of $11 or 0.10% for trades over $1,000
- Monthly fee
-
$0.00
- Monthly fee waiver
-
-
- CHESS ownership available
-
- Settle from any bank account
-
- Settlement account offered
-
ANZ Cash Account
- Special offers
-
-
- Independent broker reports
-
- International markets
-
- Options
-
- IPOs
-
- Live data
-
- Market depth data
-
- Real time charting
-
- Other benefits
-
-
- Other restrictions
-
-
Read reviews and learn more about CMC Invest share accounts
Go to site -
Mozo experts choice awards won:
- Casual ASX Investor - 2025
- Casual ETF Investor - 2025
Share Trading Account
Go to site- Small trade brokerage
-
$2.00
- Large trade brokerage
-
0.01%
- Monthly fee
-
$0.00
Superhero Trading allows you to invest in over 9,000 ASX and Wall Street shares and ETFs with brokerage from just $2 a trade. Sign up with code ‘mozo25’ and get US$10 of Nvidia stock when you fund your account with $100 or more within 30 days. T&Cs apply. 1Awarded-Winner: Best for Mobile Experience in the WeMoney Investment Awards 2023
- Brokerage details
-
-
- Small trade brokerage
-
$2.00
- Small trade brokerage conditions
-
Flat $2 fee brokerage on trades up to $20,000 for all Aussie shares, $10 minimum per trade. US$2 for US share trades up to US$20,000, US$10 minimum. 0.01% for trades larger than $20,000.
- Large trade brokerage
-
0.01%
- Large trade brokerage conditions
-
Flat $2 fee brokerage on trades up to $20,000 for all Aussie shares, $10 minimum per trade. US$2 for US share trades up to US$20,000, US$10 minimum. 0.01% for trades larger than $20,000.
- Monthly fee
-
$0.00
- Monthly fee waiver
-
-
- CHESS ownership available
-
- Settle from any bank account
-
- Settlement account offered
-
Superhero Wallet is a cash management account built into Superhero Account (held under NAB)
- Special offers
-
-
- Independent broker reports
-
- International markets
-
- Options
-
- IPOs
-
- Live data
-
- Market depth data
-
- Real time charting
-
- Other benefits
-
1000 Qantas Points when you link your QFF account and make an eligible trade within 30 days of signing up. 25 Qantas Points per ASX-listed shares traded.
- Other restrictions
-
Additional fees may apply for sell US trades. US shares transfer fee 65bps applies.
Read reviews and learn more about Superhero share accounts
Go to site
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.