ANZ
ANZ Advance Notice Term Deposit
Enjoy the certainty of fixed returns over the investment term of your choice
Term depositsBank updated 17 Sept 2026
At a glance
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $5,000
§ 01 — Rates · 51
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed7 Days - < 1 Month, Maturity Interest | — | 7 days | — | 1.40% | — | paid at maturity |
| Fixed1-2 Months, Maturity Interest | — | 1 mo | — | 1.40% | — | paid at maturity |
| Fixed10-11 Months, Maturity Interest | — | 10 mo | — | 3.70% | — | paid at maturity |
| Fixed10-11 Months, Monthly Interest | — | 10 mo | — | 3.65% | — | paid every 1 mo |
| Fixed10-11 Months, Quarterly Interest | — | 10 mo | — | 3.66% | — | paid every 3 mo |
| Fixed10-11 Months, Half Yearly Interest | — | 10 mo | — | 3.68% | — | paid every 6 mo |
| Fixed11-12 Months, Maturity Interest | — | 11 mo | — | 3.75% | — | paid at maturity |
| Fixed11-12 Months, Monthly Interest | — | 11 mo | — | 3.69% | — | paid every 1 mo |
| Fixed11-12 Months, Quarterly Interest | — | 11 mo | — | 3.70% | — | paid every 3 mo |
| Fixed11-12 Months, Half Yearly Interest | — | 11 mo | — | 3.72% | — | paid every 6 mo |
| Fixed12-24 Months, Monthly Interest | — | 1 yr | — | 5.08% | — | paid every 1 mo |
| Fixed12-24 Months, Annual Interest | — | 1 yr | — | 5.20% | — | paid every 1 yr |
| Fixed12-24 Months, Quarterly Interest | — | 1 yr | — | 5.10% | — | paid every 3 mo |
| Fixed12-24 Months, Half Yearly Interest | — | 1 yr | — | 5.13% | — | paid every 6 mo |
| Fixed2-3 Months, Maturity Interest | — | 2 mo | — | 1.65% | — | paid at maturity |
| Fixed2-3 Months, Monthly Interest | — | 2 mo | — | 1.65% | — | 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 | — | 3.65% | — | paid at maturity |
| Fixed9-10 Months, Monthly Interest | — | 9 mo | — | 3.61% | — | paid every 1 mo |
| Fixed9-10 Months, Quarterly Interest | — | 9 mo | — | 3.62% | — | paid every 3 mo |
| Fixed9-10 Months, Half Yearly Interest | — | 9 mo | — | 3.63% | — | paid every 6 mo |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Early Withdrawal | Withdrawal | $30 | — | 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… |
§ 03 — 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…
§ 04 — Eligibility & 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
§ 06 — Run the numbers
Put this product through a calculator
Published by ANZ under the Consumer Data Right, last changed by them on 17 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.