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ANZ Term Deposit

Enjoy the security of a fixed rate of interest over the investment term of your choice

How to apply

Current interest ratesdisclaimer

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 at maturity

24 months


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

Want to invest $100,000 or more?

Give us a call on 1800 008 177 between 8am and 8pm (AEST) Monday to Friday or visit your nearest ANZ Branch to discuss your term and interest rate.

Looking for a higher fixed interest rate?

Consider the ANZ Advance Notice Term Deposit.

Features and benefits

Fixed returns

With a minimum investment of $5,000  you can enjoy the certainty of fixed returns over your investment term.disclaimer

Choice of terms and payments

Choose the length of term from seven days to five years. Receive interest payments monthly, quarterly, half yearly or annually on selected terms.disclaimer

No account service fees

No set-up costs or monthly service fee.disclaimer

How does it work


Make some choices

You'll need to choose how much you're going to invest, for how long, how often you want to receive your interest payments and what will happen at the end of the term. 


Earn interest 

Receive interest payments when and how you selected. You can view and change where you receive your interest payments using ANZ Internet Banking.


End of term

At the end of the term we'll pay out the balance of your term deposit or roll it over. disclaimer


Early withdrawals

You can request to withdraw money at any ANZ branch or by using ANZ Internet Banking. Early withdrawal fees will apply.disclaimer

Ways to bank

ANZ Internet Banking

Use Internet Banking to check your term deposit balance, interest paid to date and more. 

Learn more


Make the everyday a little bit easier and do your banking on the go.disclaimer Just four digits and you're logged in and ready to check the balance of your term deposit. 

Learn more

How to apply

Existing ANZ customers

You will need an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.

Apply online

New to ANZ

We’ll need to get to know you a bit first. Please speak to one of our friendly staff to get started.

1800 008 177Visit a branch

Phone Monday to Friday, 8am to 8pm (AEST). ANZ branches are open Monday to Thursday (9.30am - 4pm) and Friday (9.30am to 5pm), with some open on weekends.

You may also be interested in

Need a savings account?

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

Learn more

Earning interest on your account

Find out how interest is calculated on our accounts and term deposits.

Learn more

Still not sure?

Use our compare tools to find out more and consider all your options. 

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 or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

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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.

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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. 

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If you withdraw funds before the maturity date of a term deposit, 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 Saving and Transaction Terms and Conditions.

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At the end of the term, if you have not told us what you want to do with your funds, we will reinvest in the same type of ANZ Term Deposit. In this case, the interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing ANZ Term Deposit. You can contact us at maturity or within the 7 day grace period (following reinvestment) of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment.

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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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