RBA just cut rates again but will my bank actually lower my mortgage or am I chasing a ghost?

So I just saw the news the RBA cut rates again. I locked in a variable mortgage a couple years back and I’m wondering if the bank will actually drop my rate or just leave it alone unless I give em a call.

Also how do you even work out if refinancing’s worth it. All those ads say you could save heaps a month but feels like sales rubbish. Anyone got an easy way to see if it’s actually worth it?

Feels like one of those moments where you either jump on it and save a heap or miss the boat completely. Anyone done this recently? How’d you figure out if it was worth the bother?