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Retail Term Deposit

Grow your savings with an investment that gives you a fixed return, for a term you choose (minimum investment $500).

An ANZ Term Deposit is easy to understand. Invest for a term that suits your needs and enjoy certainty from knowing exactly how much your return will be.

Features at a glance

Flexible Interest payments You can grow your return by having your interest payments automatically re-invested with your ANZ Term Deposit at maturity.

Alternatively, you can get a regular return by choosing to have interest payments made monthly, quarterly, half yearly or annually into your nominated ANZ account.
Reinvestment Automatically reinvest with no fuss at the end of the term, or add additional funds to maximise the return on your deposit.
Fees and Charges, Interest rates and Terms and Conditions There are no fees to open an ANZ Term Deposit, and no monthly account maintenance or management fees.

If you do wish to withdraw all or part of your ANZ Term Deposit before its maturity date, ANZ will be entitled to charge a break fee and reduce the interest rate payable on the ANZ Term Deposit for the early withdrawal.

For a full list of fees and charges, refer to our ANZ Disclosure of Fees and Charges - Customer Banking Services brochure (PDF 110kB).

Before investing, please consider if you’ll need access to your money as with a term deposit you shouldn’t expect to access it before the maturity date. If you do need access, our savings account products may be more suitable.

View our current interest rates and terms and conditions.

Open an account now

Simply visit your nearest ANZ branch or call 132 411 (local) or +679 321 3000 (overseas) to talk to one of our friendly staff today.