ANZ term deposit rates
15 terms published on 10 Oct 2026, best 5.30% for 12 months, from ANZ’s own Consumer Data Right feed.
ANZ at a glance
Today’s rates15 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 1.50% | joint #17 of 33 | median | −2.60 | ▲ +0.10 24 Sep | in effect since 24 Sep 2026 | $5,000 | ANZ Advance Notice Term Deposit |
| 2mo | 1.75% | joint #18 of 36 | median | −2.70 | ▲ +0.10 24 Sep | in effect since 24 Sep 2026 | $5,000 | ANZ Advance Notice Term Deposit |
| 3mo | 3.35% | joint #56 of 68 | −1.20 | −1.90 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 4mo | 3.40% | joint #42 of 49 | −1.25 | −2.00 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 5mo | 3.45% | joint #37 of 50 | −0.85 | −1.75 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 6mo | 3.50% | joint #61 of 73 | −1.50 | −1.95 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 7mo | 5.00% | joint #16 of 43 | +0.05 | −0.45 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 8mo | 3.60% | joint #32 of 39 | −0.80 | −1.65 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 9mo | 3.75% | joint #48 of 60 | −1.05 | −1.65 | ▲ +0.10 24 Sep | in effect since 24 Sep 2026 | $5,000 | ANZ Advance Notice Term Deposit |
| 10mo | 3.80% | joint #24 of 40 | −0.20 | −1.55 | ▲ +0.10 24 Sep | in effect since 24 Sep 2026 | $5,000 | ANZ Advance Notice Term Deposit |
| 11mo | 3.85% | joint #29 of 45 | −0.15 | −1.60 | ▲ +0.10 24 Sep | in effect since 24 Sep 2026 | $5,000 | ANZ Advance Notice Term Deposit |
| 1yr | 5.30% | joint #23 of 75 | +0.05 | −0.30 | ▲ +0.10 24 Sep | in effect since 24 Sep 2026 | $5,000 | ANZ Advance Notice Term Deposit |
| 2yr | 5.00% | joint #17 of 67 | +0.30 | −0.55 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 3yr | 4.60% | joint #17 of 51 | +0.30 | −0.85 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
| 4yr | 4.00% | joint #15 of 32 | median | −1.50 | — | same on every day read since 10 Sep 2026 (29 of 31 days read) | $5,000 | ANZ Advance Notice Term Deposit |
“Rank”, “vs median” and “vs best” compare ANZ with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What ANZ publishes about its products3 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| ANZ Advance Notice Term Deposit | at maturity, monthly, quarterly, half-yearly, yearly | $5,000 | not stated | 16 | product page · fees · eligibility |
| ANZ Term Deposit | at maturity, monthly, quarterly, half-yearly, yearly | $5,000 | not stated | 16 | fees |
ANZ Advance Notice Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12 — You must be 12 years of age or older to apply; You will need an existing ANZ everyday account or ANZ savings account; residency: You must be an Australian resident with an Australian residential and mailing a…
- Conditions
- min balance 5000.00
- Features
- other — 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…; other — 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…; other — 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.; other — Secure your savings Locking away your savings could prevent frequent withdrawals. This could be a strategic way to grow your savings over time.; other — 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…
- The bank’s description
- Enjoy the certainty of fixed returns over the investment term of your choice
- Interest calculated
- daily
ANZ Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12 — You must be 12 years of age or older to apply; You will need an existing ANZ everyday account or ANZ savings account; residency: You must be an Australian resident with an Australian residential and mailing a…
- Conditions
- min balance 5000.00
- Features
- digital banking — Access using ANZ Internet Banking or ANZ App; other — Fixed returns With a minimum investment of $5,000 you can enjoy the certainty of fixed returns over your investment term.; other — Choice of terms and payments Choose the length of term from one month to five years. Receive interest payments monthly, quarterly, half yearly or annually on selected terms.; other — Choose to have interest paid monthly, quarterly, half-yearly or annually
- The bank’s description
- Enjoy the security of a fixed rate of interest over the investment term of your choice.
- Interest calculated
- daily
Also published, not ranked here: ANZ Business Notice Term Deposit business (product page).
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 15 terms
3mo 3.35% today
26 Aug 202610 Oct 2026
4mo 3.40% today
26 Aug 202610 Oct 2026
6mo 3.50% today
26 Aug 202610 Oct 2026
1yr 5.30% today
26 Aug 202610 Oct 2026
2yr 5.00% today
26 Aug 202610 Oct 2026
3yr 4.60% today
26 Aug 202610 Oct 2026
All 15 terms — the other 9
1mo 1.50% today
26 Aug 202610 Oct 2026
2mo 1.75% today
26 Aug 202610 Oct 2026
5mo 3.45% today
26 Aug 202610 Oct 2026
7mo 5.00% today
26 Aug 202610 Oct 2026
8mo 3.60% today
26 Aug 202610 Oct 2026
9mo 3.75% today
26 Aug 202610 Oct 2026
10mo 3.80% today
26 Aug 202610 Oct 2026
11mo 3.85% today
26 Aug 202610 Oct 2026
4yr 4.00% today
26 Aug 202610 Oct 2026
Each line is the best retail rate ANZ published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where ANZ sitsagainst the 77 banks ranked today
1yr: 22 banks ahead
- Community First Bank 5.60%
- Dnister Bank 5.55%
- Heartland Bank 5.55%
- Unity Bank 5.50%
- Alex Bank 5.50%
- Bank Australia 5.50%
- and 16 more on the leaderboard
6mo: 60 banks ahead
- Heartland Bank 5.45%
- RACQ Bank 5.45%
- Unity Bank 5.35%
- Dnister Bank 5.30%
- Bank Australia 5.30%
- Bank First 5.30%
- and 54 more on the leaderboard
The Big 4 and their brands9 banks · top 10 by best rate
| Bank | Best | Term | 6 m | 12 m | Market rank |
|---|---|---|---|---|---|
 Suncorp Bank | 5.50% | 2yr | 4.80% | 5.40% | #5 |
| ANZ | 5.30% | 1yr | 3.50% | 5.30% | #31 |
 Bankwest | 5.30% | 1yr | 4.40% | 5.30% | #31 |
| CommBank | 5.30% | 1yr | 5.00% | 5.30% | #31 |
| NAB | 5.30% | 1yr | 3.50% | 5.30% | #31 |
 Bank of Melbourne | 5.20% | 1yr | 3.40% | 5.20% | #53 |
 BankSA | 5.20% | 1yr | 3.40% | 5.20% | #53 |
 St.George | 5.20% | 1yr | 3.40% | 5.20% | #53 |
 Westpac | 5.20% | 1yr | 3.40% | 5.20% | #53 |
Timeline7 rate changes since 10 Sep 2026 · ▲7 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
| 24 Sep 2026 | 1mo | 1.40 → 1.50 | ▲ +0.10 |
| 24 Sep 2026 | 2mo | 1.65 → 1.75 | ▲ +0.10 |
| 24 Sep 2026 | 9mo | 3.65 → 3.75 | ▲ +0.10 |
| 24 Sep 2026 | 10mo | 3.70 → 3.80 | ▲ +0.10 |
| 24 Sep 2026 | 11mo | 3.75 → 3.85 | ▲ +0.10 |
| 24 Sep 2026 | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 17 Sep 2026 | 1yr | 5.15 → 5.20 | ▲ +0.05 |
Questions about these rates
What is ANZ’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate ANZ publishes in its Consumer Data Right feed is 5.30% for 12 months (ANZ Advance Notice Term Deposit). That is joint #31 of the 77 Australian banks ranked by best rate today.
What is ANZ’s 12-month term deposit rate?
5.30% as read on 10 Oct 2026, 0.05 points above the market median of 5.25%, and joint #23 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at ANZ?
The lowest minimum ANZ states in its feed is $5,000 (ANZ Advance Notice Term Deposit, 1-month). Check the product disclosure statement for balance tiers.
When did ANZ last change a term deposit rate?
The most recent change we read was on 24 Sep 2026: the 1-month rate moved from 1.40% to 1.50%. We have read 7 changes at ANZ since 10 Sep 2026.
Are deposits with ANZ guaranteed?
ANZ publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence ANZ operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About ANZ” below; rates are as read on 10 Oct 2026.
About ANZ
- Also known as
- ANZ Bank, Australia and New Zealand Banking Group
- Type
- One of the Big 4 banks
- ASX code
- ANZ
- Website
- www.anz.com.au
- Consumer Data Right feed
- https://api.anz
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates ANZ publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accounts at ANZhighinterestsavingsaccounts.org
A savings account keeps the money at call, but its rate can change at any time and its best rate usually has monthly conditions. A term deposit locks one rate for its term. Both figures come from the bank’s own feed.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.