Provider of the Year Awards for 2025

Each year, Australians face countless choices when selecting financial products and services. It can be a massive effort finding your perfect match – for your everyday financial services and providers, that is – but at Finder, our goal is to empower you to make informed, confident decisions.

Through a comprehensive analysis of both product performance and customer satisfaction data, our Insights team have calculated providers who stand out for

• competitiveness
• value, and
• service quality.

The results highlight the very best in the industry, helping you to navigate your options and make a better financial decision.

Let's dive in...

Provider of the year - Home loans: ubank

ubank has claimed Finder's Provider of the Year Awards - Home Loans with an overall score of 8.2. ubank offers competitive products across the 12 categories, and also received a customer satisfaction score of 8.7, with customers highly rating them for trustworthiness and reliability.

• Home loans methodology

  Finder's Provider of the Year Award is an amalgamation of product and customer experience data, awarding home loan providers for offering competitive products to Australian consumers.

  Our Provider of the Year Award for the 'Home Loans' category considers various product data touch points using Finder Score, our proprietary and advanced product data rating system, which analyses historical product performance, fees and features data. Finder Score assigns each eligible product a score between 1 to 10. Finder Score is developed and maintained independently by our Insights team and commercial partnerships do not affect the scores.

  The Provider of the Year Award also considers customer experience, which we measure through our annual survey of Australian consumers, in partnership with research and insights firm Dynata.

  Product Score

  We use Finder Score to analyse twelve types of home loan categories for this Award, based on various product features, including but not limited to interest rates and fees.

  • Best Owner Occupier Variable Rate (P&I)
  • Best Owner Occupier 1 year Fixed Rate
  • Best Owner Occupier 2 year Fixed Rate
  • Best Owner Occupier 3 year Fixed Rate
  • Best Investor Variable Rate (P&I)
  • Best Investor Variable Rate (IO)
  • Best Investor 1 year Fixed Rate (P&I)
  • Best Investor 2 year Fixed Rate (P&I)
  • Best Investor 3 year Fixed Rate (P&I)
  • Best Investor 1 year Fixed Rate (IO)
  • Best Investor 2 year Fixed Rate (IO)
  • Best Investor 3 year Fixed Rate (IO)

  To be eligible for the award, providers must offer a product eligible for all the above categories, throughout the judging period of May 2024 to October 2024.

  We average the products with the highest Finder Score across each of the 12 categories to determine the average product score for each provider.

  Customer Experience Score

  We assign a Customer Experience Score to each provider, using responses from our annual Customer Satisfaction Survey, in partnership with Dynata. The survey collects responses from Australian consumers and we aggregate the responses across four features to determine the average Customer Experience Score for each provider.

  The Customer Experience Score takes into account customer service, features and benefits, ease of application and reliability and trustworthiness, as determined by survey respondents. Our 2024 survey collected responses for 27 home loan providers. The Customer Experience Score contributes to 50% of the overall Score for the Provider of the Year Award.

  Provider Score

  Score Type	Weight
  Product Score	50%
  Customer Experience Score	50%

Provider of the year - Credit cards: NAB

NAB has claimed Finder's Provider of the Year Award - Personal Credit Cards with an overall score of 8.6. NAB has offered a competitive offering across various categories, with a product score of 9.1, averaged across 6 months for personal Balance Transfer, Rewards, Frequent Flyer Cards, Low Rate and Low Fee credit cards. Consumers highly rated NAB for reliability and trustworthiness, with a score of 8.6. NAB also scored highly for ease of application, with a score of 8.2. NAB received an overall Customer Experience score of 8.2

• Credit cards methodology

  Finder's Provider of the Year Award is an amalgamation of product and customer experience data, awarding credit card providers for offering competitive products to Australian consumers.

  Our Provider of the Year Award for the 'Credit Cards' category considers various product data touch points using Finder Score, our proprietary and advanced product data rating system, which analyses historical product performance, fees and features data. Finder Score assigns each eligible product a score between 1 to 10. Finder Score is developed and maintained independently by our Insights team and commercial partnerships do not affect the scores.

  The Provider of the Year Award also considers customer experience, which we measure through our annual survey of Australian consumers, in partnership with research and insights firm Dynata.

  Product Score

  We use Finder Score to analyse five types of personal credit cards for this Award, based on various product features, including but not limited to interest rates, rewards points and fees.

  • Balance Transfer Credit Cards
  • Rewards Credit Cards
  • Low Rate Credit Cards
  • Low Fee Credit Cards
  • Frequent Flyer Credit Cards

  To be eligible for the award, providers must offer a product eligible for all the above categories, throughout the judging period of March 2024 to August 2024.

  We select the products with the highest Finder Score across each of the 5 categories to determine the average product score for each provider.

  Customer Experience Score

  We assign a Customer Experience Score to each provider, using responses from our annual Customer Satisfaction Survey, in partnership with Dynata. The survey collects responses from Australian consumers and we aggregate the responses across four features to determine the average Customer Experience Score for each provider.

  The Customer Experience Score takes into account customer service, features and benefits, ease of application and reliability and trustworthiness, as determined by survey respondents. Our 2024 survey collected responses for 29 credit card providers. The Customer Experience Score contributes to 50% of the overall Score for the Provider of the Year Award.

  Provider Score

  Score Type	Weight
  Product Score	50%
  Customer Experience Score	50%

Provider of the year - Rewards credit cards: American Express

American Express has claimed Finder's Provider of the Year Award - Rewards Credit Cards with an overall score of 9. American Express has offered competitive credit cards to personal consumers, covering their native rewards programs as well as frequent flyer programs. Consumers rated American Express highly for reliability and trustworthiness, with a score of 9.7, and American Express received an overall customer experience score of 8.8.

• Rewards credit cards methodology

  Finder's Provider of the Year Award is an amalgamation of product and customer experience data, awarding credit card providers for offering competitive products to Australian consumers.

  Our Provider of the Year Award for the 'Rewards Credit Cards' category considers various product data touch points using Finder Score, our proprietary and advanced product data rating system, which analyses historical product performance, fees and features data. Finder Score assigns each eligible product a score between 1 to 10. Finder Score is developed and maintained independently by our Insights team and commercial partnerships do not affect the scores.

  The Provider of the Year Award also considers customer experience, which we measure through our annual survey of Australian consumers, in partnership with research and insights firm Dynata.

  Product Score

  We use Finder Score to analyse two types of personal credit cards for this Award, based on various product features, including but not limited to interest rates, rewards points and fees.

  • Rewards Credit Cards
  • Frequent Flyer Credit Cards

  To be eligible for the award, providers must offer a product eligible for both the above categories, throughout the judging period of March 2024 to August 2024.

  We select the products with the highest Finder Score across both categories to determine the average product score for each provider.

  Customer Experience Score

  We assign a Customer Experience Score to each provider, using responses from our annual Customer Satisfaction Survey, in partnership with Dynata. The survey collects responses from Australian consumers and we aggregate the responses across four features to determine the average Customer Experience Score for each provider.

  The Customer Experience Score takes into account customer service, features and benefits, ease of application and reliability and trustworthiness, as determined by survey respondents. Our 2024 survey collected responses for 29 credit card providers. The Customer Experience Score contributes to 50% of the overall Score for the Provider of the Year Award.

  Provider Score

  Score Type	Weight
  Product Score	50%
  Customer Experience Score	50%

Provider of the year - Savings and deposits: ING

ING has claimed Finder's Provider of the Year Award with a score of 8.9. ING has offered a competitive ongoing savings account rate with the ING Savings Maximiser. Savers looking for a competitive rate without having to jump through hoops also had the option of the Savings Accelerator product, which ranked in the top 5% of eligible products. ING Australia received a product score of 9.1. Consumers indicated they had a positive experience, with ING getting a perfect score for Trustworthiness and Reliability, as well as Mobile App Reliability. ING received an overall Customer Experience Score of 8.7. We analysed more than 30 providers in Australia for product and customer experience scores to determine the Provider of the Year Award.

• Savings and deposits methodology

  Finder's Provider of the Year Award is an amalgamation of product and customer experience data, awarding deposit taking institutions for providing a consistent competitive offering to Australian consumers.

  Our Provider of the Year Award (Deposits) considers various product data touchpoints, analysed over a period of 6 months, using Finder Score, which is our proprietary and advanced product data rating system. Finder Score assigns each eligible product a score between 1 to 10. Finder Score is developed and maintained independently by our Insights team and commercial partnerships do not affect the scores. We assign a Finder Score to all products on our database.

  The Provider of the Year Award also considers customer experience, which we measure through our annual survey of Australian consumers, in partnership with research and insights firm Dynata.

  Product Score

  We use Finder Score to analyse 3 types of products over 6 months, for this Award.

  • Bonus Savings Accounts
  • Condition free Savings Accounts
  • 1 year Term Deposit Accounts

  To be eligible for the award, products must be available to all Australian adults, without any age or membership restrictions.

  Finder Score for Savings Accounts considers 8 product features, including interest earned over 2 years, amount restrictions, withdrawal restrictions and minimum deposit requirements.

  Savings Product Type	Weight	Assessment
  Bonus Savings Account	50%	6 months of Finder Score
  Condition Free Savings Account	50%	6 months of Finder Score

  Finder Score for Term Deposits are calculated using the interest rate on a 1 year product. This score contributes to 40% of the final product score.

  Customer Experience Score

  We assign a Customer Experience Score to each provider, using responses from our annual Customer Satisfaction Survey, in partnership with Dynata. The survey collects responses from Australian consumers and we aggregate the responses across 7 features to determine the Customer Experience Score for each provider.

  The Customer Experience Score takes into account the experience a user has with the product, along with mobile application experience. Our 2024 survey collected responses for over 30 brands in Australia.

  The Customer Experience Score contributes to 50% of the overall Score for the Provider of the Year Award.

  Provider Score

  Score Type	Weight
  Product Score	50%
  Customer Experience Score	50%

Insurer of the year - Home insurance: AAMI

AAMI has claimed Finder's Insurer of the Year Award for home insurance with a score of 8.5. AAMI received a product score of 8.7, scoring 8.4 for Comprehensiveness and 9 for Value. AAMI also received a score of 8.4 for Customer experience, scoring particularly high for Trustworthiness and Reliability from survey respondents across 5 states. We received customer service responses for 36 insurance providers, of which 9 provided online quotations across all the required personas.

• Home insurance methodology

  Finder's Provider of the Year Award is an amalgamation of product and customer experience data, awarding home insurance providers for offering competitive products to Australian consumers.

  Our Provider of the Year Award for the 'Home Insurer' category considers various product data touch points, analysing pricing and features data. The Provider of the Year Award also considers customer experience, which we measure through our annual survey of Australian consumers, in partnership with research and insights firm Dynata.

  Product Score

  We analyse products for comprehensiveness and value for this Award, based on product features and price. We determine the average price for each provider by collecting quotes across 10 personas spread across 5 states, from each provider. Providers must be able to provide an online quote for each persona, to be eligible for the award.

  Customer Experience Score

  We assign a Customer Experience Score to each provider, using responses from our annual Customer Satisfaction Survey, in partnership with Dynata. The survey collects responses from Australian consumers and we aggregate the responses across five features to determine the average Customer Experience Score for each provider. Consumers from 5 states are surveyed and we only consider providers that have received responses for each of the 5 states.

  The Customer Experience Score takes into account customer service, features and benefits, ease of application, value for money and reliability and trustworthiness, as determined by survey respondents. Our 2024 survey collected responses for 36 home insurance providers. The Customer Experience Score contributes to 50% of the overall Score for the Provider of the Year Award.

  Provider Score

  Score Type	Weight
  Product Score	50%
  Customer Experience Score	50%

Insurer of the year - Car insurance: Budget Direct

Budget Direct has claimed Finder's Insurer of the Year Award for Comprehensive Car Insurance with an overall score of 8.8. Budget Direct received a competitive Finder Score of 9.1 for its product offering. Customers also ranked them highly with an overall Customer Experience Score of 8.6

• Car insurance methodology

  Finder's Provider of the Year Award combines product and customer experience data to recognise car insurance providers that offer competitive products to Australian consumers.

  Our Insurer of the Year Award for the Comprehensive Car Insurance category evaluates various product data touchpoints using Finder Score—our proprietary, advanced product rating system—which analyses product pricing and features. Finder Score assigns each eligible product a rating from 1 to 10.

  Developed and maintained independently by our Insights team, Finder Score is not influenced by commercial partnerships. The Provider of the Year Award also factors in customer experience, which we measure through our annual survey of Australian consumers, conducted in partnership with research firm Dynata.

  Product Score

  We use Finder Score to evaluate comprehensive car insurance products. To be considered for the award, providers must

  • offer online quotes and
  • have an eligible comprehensive product available to customers in New South Wales, Victoria, Queensland, Western Australia, South Australia, and Tasmania.

  We collect quotation data for six personas across these states—male and female drivers aged 20, 30, and 60, all using the same car model. Finder Score assesses key features beyond price, including loss and damage coverage, repairs and assistance, personal items cover, hire car and replacement, and emergency transport and accommodation.

  Customer Experience Score

  We assign a Customer Experience Score to each provider using responses from our annual Customer Satisfaction Survey, conducted in partnership with Dynata. The survey gathers feedback from Australian consumers, and we aggregate the results across five key factors to determine the average Customer Experience Score for each provider.

  These factors include customer service, features and benefits, value for money, ease of application, and reliability and trustworthiness, as rated by survey respondents. The Customer Experience Score contributes 50% of the overall score for the Provider of the Year Award.

  Provider Score

  Score Type	Weight
  Product Score	50%
  Customer Experience Score	50%

Provider of the year - Mobile Phone Plans: Belong

Belong has claimed Finder's Provider of the Year Award with a score of 8.7. Belong has offered a competitive offering, providing options that suit users who seek value as well as high data. Belong received a product score of 8.8 across the value and high data scoring categories. Belong also received a score of 8.6 for Customer Experience, with users giving a score of 8.4 for Customer Service, 8.2 for Features and Benefits, 8.4 for Speed, 8.2 for Coverage reliability and a perfect 10 for trustworthiness and reliability. We analysed more than 25 providers in Australia for product and customer experience scores to determine the Provider of the Year Award.

• Mobile phone plans methodology

  Finder's Provider of the Year Award is an amalgamation of product and customer experience data, awarding mobile providers for offering a consistent competitive offering to Australian consumers.

  Our Provider of the Year Award (Mobile Providers) considers various product data touchpoints, analysed over a period of 6 months, using Finder Score, which is our proprietary and advanced product data rating system. Finder Score assigns each eligible product a score between 1 to 10. Finder Score is developed and maintained independently by our Insights team and commercial partnerships do not affect the scores. We assign a Finder Score to all products on our database.

  The Provider of the Year Award also considers customer experience, which we measure through our annual survey of Australian consumers, in partnership with research and insights firm Dynata.

  Product Score

  We use Finder Score to analyse sim only products over 6 months, based on their data provisions and value for users, for this Award.

  • Value Score
  • High Data Score

  We evaluate products across 5 metrics for this award - Data inclusions, cost over 12 months, provider network, international calls and data rollover. We average the scores across both the categories to determine the Product Score for each provider.

  Value Score

  High Data Score

  Customer Experience Score

  We assign a Customer Experience Score to each provider, using responses from our annual Customer Satisfaction Survey, in partnership with Dynata. The survey collects responses from Australian consumers and we aggregate the responses across 5 features to determine the Customer Experience Score for each provider.

  The Customer Experience Score takes into account responses for Customer Service, Features and Benefits, Speed, Coverage reliability and Trustworthiness and reliability. This contributes to 50% of the overall provider score. To be eligible for the award, each provider must have received at least 10 responses through our survey.

  Provider Score

  Score Type	Weight
  Product Score	50%
  Customer Experience Score	50%

What's special about a Finder Award?

Money can't buy
Money can't buy love… or a Finder Award. Why? We believe the brands with the best offer, not the biggest budgets should be able to use the Finder Awards medal.

One winner
It's hard to win a Finder Award as we only recognise one winner per category. That means you can trust the winning provider is the best of the best for that particular category.

Independent
Finder is totally independent, meaning the Awards are unbiased and objective. We established the Finder Awards to help people around the world easily identify the best products and brands and conduct research independent of any commercial agreements.

Meet our expert

Piyush Pillai, Insights analyst

Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.

All the Finder Awards

Check out the best of the best, judged by experts.

• Product Awards
• Provider of the Year Awards
• Customer Satisfaction Awards
• Green Awards
• Innovation Awards

Explore all Finder Award winners

Written by

Clare Lee

Publisher

Clare Lee is a Senior Publisher at Finder. She works on all trending consumer topics across all verticals as well as streamlining content and product data systems within the Publishing team. You may be surprised to learn that she has a degree in Zoology and a Masters in Animal Welfare Science, Ethics and Law. See full bio