Beyond Bank AustraliaINV - 12 Mth Capitalise
Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
At a glance
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $2,000
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.
| Rate | This term deposit | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 12-month term depositBest rate for 12 months | 5.20% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 47th highest of 65, level with 5 others |
Rates
Every rate Beyond Bank Australia publishes for this term deposit, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest paid on maturity into a Beyond Bank Savings Account of your choice. | - | 1 yr | $2,000–$50,000 | 4.90% | - | paid every 1 yr |
| FixedInterest paid on maturity into a Beyond Bank Savings Account of your choice. | - | 1 yr | $200,000+ | 5.20% | - | paid every 1 yr |
| FixedInterest paid on maturity into a Beyond Bank Savings Account of your choice. | - | 1 yr | $50,000–$200,000 | 5.15% | - | paid every 1 yr |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Sept 2026 | Fixed, 1 yr, $200,000+ | 5.05% | 5.20% | up 0.15 |
| 29 Sept 2026 | Fixed, 1 yr, $50,000–$200,000 | 5.00% | 5.15% | up 0.15 |
Each change is logged the night it appears in the rates Beyond Bank Australia publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
When particular things happen1
- Early Redemption Administration Fee
If you redeem a term deposit prior to maturity (in whole or in part) you will be required to pay an Early Redemption Fee and the interest payable to you on the amount withdrawn will be reduced. Terms…
$25
Features
- Additional Bonus Rates for Life Membership customers and Community groups.
- Securely backed by the Government Guarantee
Eligibility and limits
- Available to individuals
- Available to businesses
- Minimum balance $2,000
- Opening balance $2,000
- Membership: You must be or become a Beyond Bank Australia member
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Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 28 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.