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ANZ Advance Notice Term Deposit

Enjoy the certainty of fixed returns over the investment term of your choice

Term depositsBank updated 24 Sept 2026
Apply at ANZ ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Best rate
5.30% for 12m
12 months
5.30%
Min deposit
$5,000

How it compares

This term deposit in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This term deposit: 3.35%Every other institution's highest, 54 in all

Best rate for 3 months. One dot per institution, at its highest 3-month term deposit rate anyone can apply for; hover or tap a dot for its name.

RateThis term depositBest anywhereTypical institutionWhere it sits
3-month term depositBest rate for 3 months3.35%5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions50th highest of 55
6-month term depositBest rate for 6 months3.50%5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions58th highest of 63
12-month term depositBest rate for 12 months5.30%5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions28th highest of 65, level with 14 others
2-year term depositBest rate for 2 years5.00%5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions18th highest of 55, level with 8 others
3-year term depositBest rate for 3 years4.60%5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions15th highest of 44, level with one other

Rates

Every rate ANZ publishes for this term deposit, 51 in all.

Its best rate at each term

  1. 7 days1.50%
  2. 1 mo1.50%
  3. 2 mo1.75%
  4. 3 motypical 4.60%3.35%
  5. 4 mo3.40%
  6. 5 mo3.45%
  7. 6 motypical 5.10%3.50%
  8. 7 mo5.00%
  9. 8 mo3.60%
  10. 9 mo3.75%
  11. 10 mo3.80%
  12. 11 mo3.85%
  13. 1 yrtypical 5.30%5.30%
  14. 2 yrstypical 4.90%5.00%
  15. 3 yrstypical 4.25%4.60%
  16. 4 yrs4.00%
This term depositTypical institution's best for the term
TypeApplies toTermBandRateComparisonConditions
Fixed7 Days - < 1 Month, Maturity Interest-7 days-1.50%-paid at maturity
Fixed1-2 Months, Maturity Interest-1 mo-1.50%-paid at maturity
Fixed10-11 Months, Maturity Interest-10 mo-3.80%-paid at maturity
Fixed10-11 Months, Monthly Interest-10 mo-3.75%-paid every 1 mo
Fixed10-11 Months, Quarterly Interest-10 mo-3.76%-paid every 3 mo
Fixed10-11 Months, Half Yearly Interest-10 mo-3.78%-paid every 6 mo
Fixed11-12 Months, Maturity Interest-11 mo-3.85%-paid at maturity
Fixed11-12 Months, Monthly Interest-11 mo-3.79%-paid every 1 mo
Fixed11-12 Months, Quarterly Interest-11 mo-3.80%-paid every 3 mo
Fixed11-12 Months, Half Yearly Interest-11 mo-3.82%-paid every 6 mo
Fixed12-24 Months, Monthly Interest-1 yr-5.18%-paid every 1 mo
Fixed12-24 Months, Annual Interest-1 yr-5.30%-paid every 1 yr
Fixed12-24 Months, Quarterly Interest-1 yr-5.20%-paid every 3 mo
Fixed12-24 Months, Half Yearly Interest-1 yr-5.23%-paid every 6 mo
Fixed2-3 Months, Maturity Interest-2 mo-1.75%-paid at maturity
Fixed2-3 Months, Monthly Interest-2 mo-1.75%-paid every 1 mo
Fixed24-36 Months, Monthly Interest-2 yrs-4.89%-paid every 1 mo
Fixed24-36 Months, Annual Interest-2 yrs-5.00%-paid every 1 yr
Fixed24-36 Months, Quarterly Interest-2 yrs-4.91%-paid every 3 mo
Fixed24-36 Months, Half Yearly Interest-2 yrs-4.94%-paid every 6 mo
Fixed3-4 Months, Maturity Interest-3 mo-3.35%-paid at maturity
Fixed3-4 Months, Monthly Interest-3 mo-3.34%-paid every 1 mo
Fixed36-48 Months, Monthly Interest-3 yrs-4.51%-paid every 1 mo
Fixed36-48 Months, Annual Interest-3 yrs-4.60%-paid every 1 yr
Fixed36-48 Months, Quarterly Interest-3 yrs-4.52%-paid every 3 mo
Fixed36-48 Months, Half Yearly Interest-3 yrs-4.55%-paid every 6 mo
Fixed4-5 Months, Maturity Interest-4 mo-3.40%-paid at maturity
Fixed4-5 Months, Monthly Interest-4 mo-3.39%-paid every 1 mo
Fixed4-5 Months, Quarterly Interest-4 mo-3.40%-paid every 3 mo
Fixed48-60 Months, Monthly Interest-4 yrs-3.93%-paid every 1 mo
Fixed48-60 Months, Annual Interest-4 yrs-4.00%-paid every 1 yr
Fixed48-60 Months, Quarterly Interest-4 yrs-3.94%-paid every 3 mo
Fixed48-60 Months, Half Yearly Interest-4 yrs-3.96%-paid every 6 mo
Fixed5-6 Months, Maturity Interest-5 mo-3.45%-paid at maturity
Fixed5-6 Months, Monthly Interest-5 mo-3.43%-paid every 1 mo
Fixed5-6 Months, Quarterly Interest-5 mo-3.44%-paid every 3 mo
Fixed6-7 Months, Maturity Interest-6 mo-3.50%-paid at maturity
Fixed6-7 Months, Monthly Interest-6 mo-3.47%-paid every 1 mo
Fixed6-7 Months, Quarterly Interest-6 mo-3.48%-paid every 3 mo
Fixed7-8 Months, Maturity Interest-7 mo-5.00%-paid at maturity
Fixed7-8 Months, Monthly Interest-7 mo-4.94%-paid every 1 mo
Fixed7-8 Months, Quarterly Interest-7 mo-4.96%-paid every 3 mo
Fixed7-8 Months, Half Yearly Interest-7 mo-4.99%-paid every 6 mo
Fixed8-9 Months, Maturity Interest-8 mo-3.60%-paid at maturity
Fixed8-9 Months, Monthly Interest-8 mo-3.56%-paid every 1 mo
Fixed8-9 Months, Quarterly Interest-8 mo-3.57%-paid every 3 mo
Fixed8-9 Months, Half Yearly Interest-8 mo-3.59%-paid every 6 mo
Fixed9-10 Months, Maturity Interest-9 mo-3.75%-paid at maturity
Fixed9-10 Months, Monthly Interest-9 mo-3.70%-paid every 1 mo
Fixed9-10 Months, Quarterly Interest-9 mo-3.72%-paid every 3 mo
Fixed9-10 Months, Half Yearly Interest-9 mo-3.73%-paid every 6 mo

Rate changes

20 changes logged, newest first.

DateRateWasNowChange
24 Sept 2026Fixed, 7 days1.40%1.50%up 0.10
24 Sept 2026Fixed, 1 mo1.40%1.50%up 0.10
24 Sept 2026Fixed, 10 mo3.70%3.80%up 0.10
24 Sept 2026Fixed, 10 mo3.65%3.75%up 0.10
24 Sept 2026Fixed, 10 mo3.66%3.76%up 0.10
24 Sept 2026Fixed, 10 mo3.68%3.78%up 0.10
24 Sept 2026Fixed, 11 mo3.75%3.85%up 0.10
24 Sept 2026Fixed, 11 mo3.69%3.79%up 0.10
24 Sept 2026Fixed, 11 mo3.70%3.80%up 0.10
24 Sept 2026Fixed, 11 mo3.72%3.82%up 0.10
24 Sept 2026Fixed, 1 yr5.08%5.18%up 0.10
24 Sept 2026Fixed, 1 yr5.20%5.30%up 0.10
24 Sept 2026Fixed, 1 yr5.10%5.20%up 0.10
24 Sept 2026Fixed, 1 yr5.13%5.23%up 0.10
24 Sept 2026Fixed, 2 mo1.65%1.75%up 0.10
24 Sept 2026Fixed, 2 mo1.65%1.75%up 0.10
24 Sept 2026Fixed, 9 mo3.65%3.75%up 0.10
24 Sept 2026Fixed, 9 mo3.61%3.70%up 0.09
24 Sept 2026Fixed, 9 mo3.62%3.72%up 0.10
24 Sept 2026Fixed, 9 mo3.63%3.73%up 0.10

Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.

Fees

One fee published, grouped by when they're charged.

When you make a transaction1

  • Early Withdrawal

    Administration fee for withdrawing funds before the maturity date. The account will also incur an interest reduction in respect of the money withdrawn or transferred early based on the percentage of…

    $30

Features

  • A range of rates With an ANZ Advance Notice Term Deposit, you could potentially earn a higher interest rate in return for giving us 31 days’ notice for early withdrawals. This could help to maximise…
  • Various terms available Choose a term that works for you, ranging from one month to five years. You can also select how often you receive interest payments – monthly, quarterly, half-yearly, or annua…
  • No account service fees Enjoy the benefits of an ANZ Advance Notice Term Deposit with no set-up costs or monthly account service fees. Note that fees and charges will apply for early withdrawals.
  • Secure your savings Locking away your savings could prevent frequent withdrawals. This could be a strategic way to grow your savings over time.
  • Government protection Your deposits with ANZ may be protected under the Federal Government’s Financial Claims Scheme. Under the scheme, certain deposits up to a limit of $250,000 per account holder a…

Eligibility and limits

  • Minimum age 12
  • Residency: You must be an Australian resident with an Australian residential and mailing address.
  • Minimum balance $5,000
  • You will need an existing ANZ everyday account or ANZ savings account

Published by ANZ under the Consumer Data Right, last changed by them on 24 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.