In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert
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Rabobank Term Deposit (SMSF)
Interest rate 12 months interest rate
Up to 5.1% p.a.
Minimum opening deposit
Maximum deposit
Maximum balance


Put your super savings in a safe place and enjoy guaranteed returns with a Rabobank Term Deposit for self-managed super funds (SMSFs).

A term deposit offers secure, guaranteed returns on your savings, providing a safe and reliable investment opportunity for your SMSF. Although commonly associated with personal and business banking customers, SMSFs can also take out term deposits, allowing them to build a bigger fund balance. The Rabobank Term Deposit combines competitive interest rates with terms ranging from one month to five years.


  • Guaranteed interest rate of 5.1% for fixed period of 5 years
  • Interest paid to a linked Rabobank's account
  • Large range of terms, from 1 month to 5 years


  • No access to your money
  • Online bank only - no branch or counter access

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert


Key details

Product Name Rabobank Term Deposit (SMSF)
3 month interest rate 4.80%
6 month interest rate 4.90%
9 month interest rate 4.90%
12 month interest rate 5.10%
24 month interest rate 5.00%
36 month interest rate 5.05%
48 month interest rate 5.05%
60 month interest rate 5.10%
Minimum Opening Deposit $1,000
Minimum age requirement 18
Government guarantee Yes


Minimum Age Requirement 18
Joint account availability Yes
Min Deposit $1,000
Available to children Not available for children

Key features

Fixed interest rate: Up to 4.9% p.a. for 6 months

The Rabobank Term Deposit provides a competitive fixed interest rate so that you can enjoy guaranteed, predictable returns on the money you invest. The interest rate you receive varies based on the term you select.

Terms from one month to five years

This account is available with terms ranging from one month to five years, allowing you to choose the investment period that best suits the financial needs of your SMSF.

Launch term deposit calculator

How to apply

To complete the online application you will need to do the following:

  • Have an existing SMSF. You will need to choose the relevant option (SMSF) at the start of the application.
  • Open a Business High Interest Savings Account. This comes with all Rabobank accounts to help you transfer funds. It does not charge any ongoing fees.

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July 22, 2023

Rabobank opening a smsf term deposit requires opening Business High Interest Savings Account. What are the daily limits for transferring funds back out of this account to SMSF fund accounts at other banks?


Raj Lal Finder

August 15, 2023

Hi Nifty,

You won’t be able to transfer funds back out from the term deposit to other SMSF accounts from other banks.



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