skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Term deposits

Enjoy a known rate of return for your choice of term, so you know exactly what your investment will be worth.

Compare our term deposits


ANZ Advance Notice Term Deposit

ANZ Term Deposit

Special offer

Open an ANZ Advance Notice Term Deposit and lock in the certainty of a special  fixed rate for 8 months* on investments from $5,000 to $4,999,999 with interest paid at maturity. Offer available for a limited time only. If you are applying online or over the phone, you will need an existing ANZ everyday account or ANZ savings account.

How to applySee rates for other terms >

*Interest rates on offer may change at any time without notice. Different interest rates apply to different interest frequencies. Early withdrawal fees may applydisclaimer.

ANZ Advance Notice Term Deposit

Current interest rate specialsdisclaimer

Our ANZ Advanced Notice Term Deposit may offer a higher competitive interest rate compared to the our ANZ Term Deposit.disclaimer However, you will have to give us 31 days notice if you wish to withdraw the money prior to maturity.disclaimer Fees and charges apply to early withdrawals. View more rates and terms

3 months


Investments of $5,000 to $99,999
Interest paid at maturity

6 months


Investments of $5,000 to $99,999
Interest paid at maturity

8 months


Investments of $5,000 to $4,999,999
Interest paid at maturity

12 months


Investments of $5,000 to $99,999
Interest paid annually

Learn moreHow to apply

If you're an existing customer you can apply online now if you have an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.


ANZ Term Deposit

Current interest ratesdisclaimer

Invest from $5,000 in a term of your choice and enjoy the certainty of fixed returns.disclaimer Fees and charges apply to early withdrawals. View more rates and terms

3 months


Investments of $5,000 to $99,999
Interest paid at maturity

6 months


Investments of $5,000 to $99,999
Interest paid at maturity

12 months


Investments of $5,000 to $99,999
Interest paid annually

24 months


Investments of $5,000 to $99,999
Interest paid annually

Learn more How to apply

If you're an existing customer you can apply online now if you have an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.

Want to invest $100,000 or more?

Give us a call on 13 33 33 between 8am and 8pm (AEST) Monday to Friday or visit your nearest ANZ Branch to discuss your term and interest rate.

You may also be interested in

Savings accounts

Our range of savings accounts could help you reach your saving goals sooner. 

Learn more

Everyday accounts

Our everyday accounts offer simple and secure ways to access your money.

Learn more

   

Compare term deposits

Compare term deposits in more detail using our comparison tool. 

Learn more

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF 408kB) and the Financial Services Guide (PDF 104kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

The information set out above is general in nature and has been prepared without taking into account your objectives financial situation or needs.  By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations.  You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or the next business  day). An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with the ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.

Back to top

Special term rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. Rates current as at  and are subject to change.

Back to top

Different interest rates apply to different investment amounts, terms and interest frequencies. Rates current as at  and are subject to change. Early withdrawal fees apply. Refer to ANZ Saving and Transaction Terms and Conditions (PDF 408kB). At maturity we will reinvest your ANZ Advance Notice Term Deposit based on the reinvestment consent you have given us and in accordance with instructions you have provided. If you choose to reinvest your principal (and interest) at the end of the investment term, the interest rate applicable to your ANZ Advance Notice Term Deposit may be lower than the interest rate on your maturing ANZ Advance Notice Term Deposit. If your circumstances change or this product is no longer suitable for you, please contact ANZ at or prior to maturity, or within your 7 day grace period (following reinvestment) to make alternative arrangements.

Back to top

Different interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal fees may apply. Rates current as at   and are subject to change. 

Back to top

A minimum deposit of $5,000 is required to open an ANZ Advance Notice Term Deposit or an ANZ Term Deposit. This calculator has been set to a maximum deposit of $4,999,999. However, investments of $100,000 or more may be subject to different interest rates than those provided in this calculator. Please call 13 33 33 or visit your nearest ANZ Branch to discuss your term and interest rate for an investment of $100,000 or more.

Back to top

Early withdrawal fees may apply. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early. An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or the next business day). Refer to the ANZ Saving and Transaction Products Terms and Conditions (PDF 408kB) for further details.

Back to top

Interest rates current as at   and subject to change at any time. Different interest rates apply to each term deposit product and to different investment amounts, term lengths and interest frequencies. Early withdrawal fees may apply. Special term rates do not quality for bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. For Advance Notice Term Deposits, this applies to investment terms of 3, 6, 8 and 12 months, as well as all term lengths of greater than 12 months. For Term Deposits, this applies to all term lengths.

Back to top

The principal difference between an ANZ Advance Notice Term Deposit and an ANZ Term Deposit (apart from the interest rate that applies) is that you must provide 31 days’ notice to ANZ if you wish to make an early withdrawal or transfer of all or part of your funds from an ANZ Advance Notice Term Deposit account. Further details are set out in ANZ Saving and Transaction Products Terms and Conditions (PDF 408kB).

Back to top