We compare 15 rate options across 7 home loans, 2 savings accounts, 41 term deposits and 5 credit cards from Bank of China. Its lowest variable owner-occupied principal and interest rate on home loans is 6.18% p.a. (comparison 6.38% p.a.*), on the Discount Home Loan (With Principal and Interest Repayment). Bank of China last updated a product in its published data on 8 Oct 2026.
ABN
28 110 077 622
Checked against Bank of China’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
Compare Bank of China Products
Each link opens Bank of China’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.18% p.a.6.38% p.a. comparison rate*Discount Home Loan (With Principal and Interest Repayment)
Variable owner-occupied principal and interest rates on 3 of its 7 home loans run from 6.18% to 8.64% p.a., with comparison rates from 6.38% to 8.71% p.a. Of its 15 rate options, 10 are fixed and 5 variable. Its average variable owner-occupied principal and interest rate is 7.00% p.a. (comparison 7.22% p.a.), against a market average of 6.85% p.a. (comparison 6.97% p.a.) across 389 home loans from 101 providers.*
Products Discount Home Loan (With Principal and Interest Repayment), Discount Plus Home Loan (with Principal and Interest Repayment), Standard Variable Rate Home Loan, Discount Home Loan (with Interest Only Repayment), Discount Investment Home Loan (with Interest Only Repayment), Discount Investment Home Loan (With Principal and Interest Repayment), Discount Plus Home Loan (with Interest Only Repayment), Discount Plus Investment Home Loan (with Interest Only Repayment)
All 3 of its variable home loans have had a rate change since the RBA’s 29 Sep 2026 decision.
Advertised rates across its 41 term deposits run from 0.00% to 5.25% p.a. Its average advertised rate is 2.21% p.a., against a market average of 4.13% p.a. across 647 term deposits from 85 providers. 3 headline rates have risen in the last 30 days.
Includes Term Deposit AUD 11M, Term Deposit AUD 8M, Special Term Deposit AUD 6M, Term Deposit AUD 6M, Special Term Deposit AUD 12M, Term Deposit AUD 12M, Term Deposit AUD 18M, Term Deposit AUD 9M
Lowest purchase rate19.99% p.a.Bank of China Global UnionPay Card
Its average purchase rate is 19.99% p.a., against a market average of 17.59% p.a. across 196 credit cards from 59 providers. None of these headline rates has changed in the last 30 days.
Products Bank of China Global UnionPay Card, Bank of China Great Wall International MasterCard Credit Card (Gold Card), Bank of China Great Wall International MasterCard Credit Card (Low Fee Card), Bank of China Great Wall International MasterCard Credit Card (Low rate Card), Bank of China Great Wall International MasterCard Credit Card (Student Card)
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
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