ING
Personal Term Deposits
A high interest rate guaranteed for the term. You choose the timeframe.
Term depositsBank updated 14 Sept 2026
At a glance
- Best rate
- 5.35% for 330d
- 12 months
- 5.30%
- Min deposit
- $10,000
§ 01 — Rates · 8
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedGet a fixed interest rate guaranteed for your timeframe of choice on deposits of $10,000 or more. | — | 120 days | — | 5.00% | — | paid at maturity |
| Fixed | — | 180 days | — | 5.20% | — | paid at maturity |
| Fixed | — | 210 days | — | 5.00% | — | paid at maturity |
| Fixed | — | 270 days | — | 5.10% | — | paid at maturity |
| Fixed | — | 330 days | — | 5.35% | — | paid at maturity |
| Fixed | — | 90 days | — | 5.05% | — | paid at maturity |
| Fixed | — | 1 yr | — | 5.30% | — | paid at maturity |
| FixedFor terms of more than one year, interest is credited to your account on the Anniversary Date and on the day prior to the maturity date. | — | 2 yrs | — | 5.25% | — | paid at maturity |
§ 02 — Fees · 2
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Early withdrawal | Exit | No fee | — | You may withdraw all (but not part) of your deposit before the end of the term. A reduced rate of interest will apply in these circumstances. You'll need to give us at least 31 days' advance notice (… |
| Account fee | Periodic | No fee | Every 1 mo | There are $0 monthly fees. |
§ 03 — Features
Digital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Minimum balance $10,000
- · Opening balance $10,000
- · You must be an Australian resident for taxation purposes.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 14 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.