Esanda Term Deposit - Products and services

Esanda Term Deposit

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An Esanda Term Deposit provides an attractive fixed rate of return over your selected investment term.

How to apply

Call 1800 040 729

Key features

Government guarantee
Esanda Term Deposits* are covered by the Government Deposit Guarantee Scheme^. This means your investment will be backed by the Government, as well as the existing depositor protection provided by the Banking Act 1959(Cth).

Interest rate
Please call 1800 040 729 to find out the competitive interest rates on offer.

Minimum investment amount
$1,000.

Interest payment frequency
You can choose to have your interest paid monthly, quarterly, half-yearly, yearly or at maturity, depending on the term that you have selected.

What happens at maturity?
At maturity, you can:

Reinvest your funds for another term
Add extra funds
Withdraw part or all of the funds, which will be deposited in the account that you nominate

Early access to funds
Access to your funds before maturity is possible. However, an interest adjustment as well as a $30 administration fee will apply.

Additional Information

If you are not an existing ANZ customer you may still apply for an Esanda Term Deposit. You will need to meet ANZ’s identification requirements** which are outlined in the Esanda Term Deposit Identification form (PDF 68kB) . If you require further information or assistance, please contact our customer service centre on 1800 040 729.

In order to open an Esanda Term Deposit, you need to nominate an account into which we will credit your interest and principal. Please be aware that both your Esanda Term Deposit and nominated account must be under exactly the same name.

*Esanda Term Deposits are issued by Australia and New Zealand Banking Group Limited ABN 11 005 357 522.

** This is a legal requirement due to Anti Money Laundering legislation

^Deposits with ANZ of up to and including AUD$1 million in aggregate will continue to be automatically guaranteed by the Federal Government without charge. The $1 million fee free guarantee threshold is calculated on the total deposits held in one or multiple ANZ accounts by each 'legal entity'. For deposits of more than AUD$1 million, we will offer customers the ability to opt-in to receive the benefit of the guarantee for a monthly fee of 0.7%pa. This is the fee we will be charged directly by the Federal Government as a AA rated bank. For information about what is a 'legal entity', please refer to the Federal Government Guarantee on Deposits fact sheet

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 that you read the Esanda Term Deposit - Terms and Conditions before acquiring the product.

BPAY^® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

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