Skip to content

RBA

Central banks

Cash rate
4.85%
3M 6M 1Y 5Y 10Y ALL
History
FirstLast
Cash rate %3.604.85
History % Cash rate: 3.60 to 4.85 % Nov 12, 25 Nov 12, 26

Cash rate at 4.85%, higher over past year

In plain words

Australia's central bank sets a main interest rate called the cash rate. It is now 4.85 percent, after a 0.25 point rise on November 4, 2026, and people watch it because it affects what banks charge on loans and pay on savings.

Where it sits

Cash rate Low 3.60Now 4.85High 4.85

One-year low to high. Drawn from the data, not by AI.

There is more in this note

What it means if this rises or falls, cause and effect, how it works, the words to know and what to watch next.

Join free to read it

Written by AI from the numbers on this page. Not advice.

Policy rate

Cash rate 4.85% -
Last changed 2026-11-04 -
Last change 25bps -
3-month change 50bps -
6-month change 50bps -
12-month change 125bps -

Leads to

RBA

1 / 5

Rates in Australia

Where is the Reserve Bank of Australia's cash rate target, and how has it changed?

Account

ThemeAuto
Show hidden
mako.watch
Sign in Create account
I'm 18 or older and agree to the Terms and Privacy

Tick the box to agree to the Terms and Privacy first.

Terms

Draft - not yet reviewed

mako.watch shows market and economic data as small apps. It is run by iMedia Enterprises, Inc. By using it you agree to these terms.

On this page

  • Not advice

    Everything here is general information for research and learning. It is not investment, legal or tax advice, and it is not a recommendation to buy or sell anything. We are not a registered investment adviser or broker. Decisions you make are your own.

  • The numbers

    The data comes from public sources such as the U.S. Treasury, the Federal Reserve, the New York Fed, the futures regulator and other central banks. Each app names its sources behind the "i" button, where the same data is free. Data can be late, revised or wrong, and calculations are estimates. We do not promise that anything here is accurate, complete or current.

  • Your account

    You must be 18 or older. You sign in with a code sent to your email address; there is no password. Keep your email account secure, because whoever can read it can sign in. One account is for one person.

  • Limits

    A visitor can open a few apps a day. A free member can open more. The limits can change. Paid plans are not offered yet; if they are, their terms will be added here first.

  • What you may not do

    Do not copy, scrape, republish or resell the pages or the data feed. Do not try to get around the limits, share your account, or interfere with the service. We may suspend an account that does.

  • Changes and closing

    We may change or stop any part of mako.watch, and we may update these terms. The date below shows the latest version. You can stop using it at any time and ask us to delete your account.

  • Our responsibility

    The service is provided as it is, without warranties. To the extent the law allows, we are not liable for losses that come from using it or relying on it.

  • Questions

    Write to [email protected].

Version of November 13, 2026.

Privacy

Draft - not yet reviewed

We collect as little as we can. This page says what mako.watch keeps about you and why. It is run by iMedia Enterprises, Inc.

On this page

  • What we keep

    Your email address, when you joined, and which apps you opened on which day, so the daily limit works. A sign-in code is stored only as a scrambled value and expires in 10 minutes. We do not ask for your name, and there is no password.

  • On your device

    Cookies keep you signed in and protect the forms. Your browser also remembers your theme choice, any apps you hid and, for visitors, how many apps were opened today. These stay on your device.

  • What we do not do

    No advertising trackers. No outside analytics service. We do not sell or rent your information.

  • Who else is involved

    The site is delivered through Cloudflare, which handles the connection and sees technical details such as your IP address. Sign-in emails are sent from our own server.

  • Email from us

    We email you sign-in codes. If a newsletter starts, you will be asked before you receive it, and every issue will have a way to stop.

  • Your choices

    You can ask for a copy of what we hold about you, or ask us to delete your account and its history. Write to [email protected] from the address you signed up with.

  • Children

    mako.watch is for adults. We do not knowingly keep information about anyone under 18.

  • Changes

    If this page changes in a way that matters, the date below changes and we will say so on the sign-in screen.

Version of November 13, 2026.