One of Australia's biggest banks has trimmed the interest rate on its savings accounts, even though the RBA hasn't changed the official cash rate in months – and is no guarantee to do so at its next meeting.

Today, ANZ reduced the maximum interest rate for three of its savings offerings – progress saver, plus growth saver, and plus progress saver accounts – by 0.10 percentage points.

The rate on its online saver account has remained unchanged at 0.65 per cent.

The move comes despite the official cash rate remaining unchanged since August, and with a cut at next month's Reserve Bank meeting still far from a sure-fire certainty.

"ANZ's decision to trim savings rates ahead of the November RBA meeting is a timely reminder that even when the cash rate is on hold, banks can

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