An online bank that helps you spend smarter, save more, and manage your home loan — all in one app.
Everyday money
Four account types that work together so you always know where your money is going.
Your everyday transaction account with real-time spending insights and no Fluxorax fees.
Open Spend →A separate place to set aside money for bills so you're never caught short when they arrive.
Open Bills →Earn up to 5.50% p.a. bonus interest with our high-rate savings account and built-in savings targets.
Open Save →Open a shared Spend or Save account in seconds. Perfect for couples and housemates.
Open Shared →Why Fluxorax
Home loans
A perfect mix of home loan options with a simple online application. Rates from 6.09% p.a.
Find the right loan for your first or next home purchase, with flexible features and competitive rates.
Get started →Switch to Fluxorax and start enjoying award-winning home loan rates and service.
Refinance now →Grow your investment property portfolio with a loan built for property investors.
Invest →Current rates
Award-winning rates on both savings and home loans.
Getting started
Three simple steps to get your Fluxorax account up and running.
Get the Fluxorax app from the App Store or Google Play.
Enter your details and verify your ID in under 5 minutes.
Your accounts are live instantly. Transfer money and get your card.
Referral program
Share your unique referral code with a friend. When they sign up and open a Fluxorax account, you both receive $50 AUD — no strings attached.