In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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Gateway Bank Term Deposit
Interest rate 6 months interest rate
Up to 5.25% p.a.
Minimum opening deposit
Maximum deposit


Earn a fixed interest rate on a wide choice of terms with a Gateway Bank personal term deposit.

The Gateway Bank term deposit offers a large choice of term lengths between three months and five years. You'll earn a fixed interest rate on your deposit, which means you can have peace of mind knowing exactly what your investment will be worth when the term reaches maturity. There are no set up or ongoing account fees to pay.


  • Large choice of term lengths available
  • Small opening deposit required


  • -

In this guide

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


Key details

Product Name Gateway Bank Term Deposit
3 month interest rate 5.00%
4 month interest rate 0.70%
6 month interest rate 5.25%
7 month interest rate 1.20%
9 month interest rate 5.05%
12 month interest rate 5.15%
24 month interest rate 1.60%
36 month interest rate 1.60%
48 month interest rate 0.65%
60 month interest rate 0.65%
Minimum Opening Deposit $1,000
Minimum age requirement 18
Government guarantee Yes


Minimum Age Requirement 18
Joint account availability No
Min Deposit $1,000
Available to children Not available for children

Congratulations, Gateway Bank!

Gateway Bank Term Deposit received the highly commended award for 'Term Deposit (12 month)' in the 2024 Banking Product Awards.

Full list of 2024 winners

Key features

No account fees

There are no set-up fees when opening this term deposit, and there are no monthly account fees either.

Wide range of term lengths available

There's a wide range of term lengths available, so you can choose one that's right for you from as little as three months to five years.

How to apply


You can apply for a Gateway Bank term deposit online.


  • Age. You must be over 18 years old to open this account.
  • Residency. You're an Australian resident with an Australian residential address.

Your reviews

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Jennifer Lovell

December 22, 2022

How do i apply for a Term deposit account


Alison Banney Finder

February 22, 2023

Hi Jennifer,

You can apply by submitting the application form on Gateway Bank’s website. If you’re not an existing customer you’ll need to supply 2 forms of ID to verify your identity. Plus, you need to be an Australian resident with an Australian residential address.



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