Consumer Finance Awards 2026 winners revealed
Money's 2026 Consumer Finance Awards recognise Australia's leading banks, lenders, insurers and financial institutions. The awards combine reader feedback and independent research to identify the best financial providers across banking, lending, insurance and retirement products.
Reader-voted categories were determined through a national survey conducted by Rainmaker Information and Money, with Australians rating providers on products and features, customer service and digital experience.
Expert-assessed categories, including Insurer of the Year, Business Bank of the Year and Margin Lender of the Year, were selected by Rainmaker Research using detailed industry analysis.
Below are the winners of the 2026 Consumer Finance Awards.
2026 Consumer Finance Awards winners
Bank of the Year
Reader voted
The winner had the highest overall composite rating scores across products and features, customer service and digital experience. Only national full-service banks were eligible to win this premier award.
Winner: Macquarie Bank
Bank of the Year - Digital
Reader voted
The banking provider that achieved the highest overall rating scores for digital experience.
Winner: Bank Australia
Customer-owned Bank of the Year
Reader voted
Like Bank of the Year, but only full-service, customer-owned banks were eligible to win this premier award.
Winner: Bank Australia
Bank of the Year - Young People
Reader voted
The banking provider that achieved the highest overall composite rating scores across products and features, customer service and digital experience from readers aged 18 to 34 years.
Winner: NAB
Bank of the Year - Retirees
Reader voted
The banking provider that achieved the highest overall composite rating scores across products and features, customer service and digital experience from readers aged 55 or older.
Winner: Macquarie Bank
Bank of the Year - Savers
Reader voted
The banking provider that achieved the highest overall composite rating scores across products and features, customer service and digital experience from readers aged 35 to 54 years.
Winner: Macquarie Bank
Bank of the Year - Product
Reader voted
The banking provider that achieved the highest overall rating scores for products and features.
Winner: Macquarie Bank
Bank of the Year - Customer Service
Reader voted
The banking provider that achieved the highest overall ratings for customer service.
Winner: Newcastle Permanent
Non-Bank Lender of the Year
Awarded by Rainmaker Research
The winner was the non-bank lending institution judged by Rainmaker Research to score highest across seven core dimensions: product range, business strength, ability to raise lending capital, innovation, corporate transparency, loan quality and customer depth.
Winner: La Trobe Financial
Business Bank of the Year
Awarded by Rainmaker Research
There is more to being a leading business bank than simply offering a good deal on business accounts and loans. This is why Rainmaker Research identified the leading national full-service business banks that offered the most comprehensive services across business accounts, loans, credit cards, term deposits, currency management, cyber-risk and fraud protection, point-of-sale and ecommerce, international transactions and merchant support.
Winner: Commonwealth Bank
Credit Card Issuer of the Year
Reader voted
The banking provider that achieved the highest overall composite rating scores from readers for credit card products and features, customer service and digital experience.
Winner: American Express
Money Minder of the Year
Reader voted
The banking provider that achieved the highest overall composite rating scores from readers for everyday savings accounts and term deposit products and features, customer service and digital experience.
Winner: Macquarie Bank
Home Lender of the Year
Reader voted
The banking provider that achieved the highest overall composite rating scores from readers for mortgage products and features, customer service and digital experience.
Winner: Macquarie Bank
Investment Property Lender of the Year
Reader voted
The banking provider that achieved the highest overall composite rating scores from readers for investment mortgage products and features, customer service and digital experience.
Winner: Macquarie Bank
Insurer of the Year
Awarded by Rainmaker Research
This category took into consideration competitive home and contents and car insurance premium rates, and holistic factors such as corporate strength, what the winner delivers and how it supports customers, customer engagement and reliability in paying claims.
Winner: Budget Direct
Retirement Income Provider of the Year
Awarded by Rainmaker Research
The winner was judged by Rainmaker Research to be the best retirement income product designed to assist retirees in meeting the challenges of finances and longevity risk by providing flexible and reliable income-stream solutions.
Winner: AMP
Investment Bond Provider of the Year
Awarded by Rainmaker Research
The winner was judged by Rainmaker Research to be the investment bond with the best financial and market strengths, product benefits, customer service, and support and training of financial advisers.
Winner: Generation Life
Margin Lender of the Year
Awarded by Rainmaker Research
The winner was judged by Rainmaker Research to achieve the highest score across core dimensions, spanning product and investment choice breadth, depth, research services, type of investment available, access to international markets and interest rates payable on loan products.
Winner: NAB Margin Lending
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