In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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ANZ Term Deposit

ANZ Term Deposit
Interest rate 12 months interest rate
Up to 0.15% p.a.
Minimum opening deposit
Account keeping fee


With a fixed interest rate spread out over terms you choose, you can start making plans for your financial future.

The ANZ Term Deposit is a high interest savings product that locks your money away until the terms you set have been met. Terms can range from one month to five years, allowing you to meet short term saving plans or a long term financial goal. It has no monthly fees and provides you with choices on how and when your interest payments are made.


  • $0 Account keeping fees
  • Wide ranges of terms from from 1 month to 5 years


  • If a withdrawal is made before the term reaches maturity, a $30 administration fee will be applied
  • Minimum investment of

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name ANZ Term Deposit
3 month interest rate 0.05%
4 month interest rate 0.05%
6 month interest rate 0.10%
7 month interest rate 0.10%
9 month interest rate 0.10%
12 month interest rate 0.15%
24 month interest rate 0.15%
36 month interest rate 0.15%
48 month interest rate 0.15%
60 month interest rate 0.15%
Minimum Opening Deposit $5,000
Minimum age requirement 12
Government guarantee Yes


Minimum Age Requirement 12
Joint account availability Yes
Min Deposit $5,000
Available to children Not available for children under 12 years of age

Key features

No monthly fees

No monthly maintenance fees are deducted from your savings with the ANZ term deposit.

Tiered high interest rates

The interest rates are fixed with the term deposit and tiered according to how long you choose to invest and the amount of your investment.

Launch term deposit calculator

How to apply

You must have an existing ANZ Everyday Account or Savings account in order to apply for a term deposit online. If you're not sure if a term deposit is the right choice for you, you can compare ANZ's range of high interest savings accounts instead.


  • Minimum age. You must be at least 12 years of age or older for your application to be considered.
  • Residency requirements. In order to be eligible for a term deposit from ANZ you must be an Australian resident with an Australian residential address.

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November 02, 2023

my 16 year old son wants to put some money in a term deposit. say for instance he chooses to invest his money for 12 months, can you continue putting money into the term deposit, through out the year? thanks


Richard Whitten Finder

November 06, 2023

Hi Jess,

Many term deposit products allow you to deposit extra cash over time. I suggest asking ANZ directly if the bank allows this.



October 31, 2016

Best interest rate for 6 month term deposit



June 08, 2017

best interest rate for 6 month term deposit


Anndy Lou Finder

October 31, 2016

Hi Liz,

Thanks for reaching out.

You can compare term deposit accounts through our website. Please do take advantage of the calculator on that page to check which term deposit account can give you high-interest earnings for your particular amount of deposit.



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