BNK Bank term deposit rates
12 terms published on 10 Oct 2026, best 5.25% for 7 months, from BNK Bank’s own Consumer Data Right feed. Registered as BNK Bank (Goldfields Money/BCHL).
BNK Bank at a glance
Today’s rates12 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 4.05% | joint #2 of 33 | +2.55 | −0.05 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 2mo | 4.45%market best | #1 of 36 | +2.70 | best | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 3mo | 4.95% | joint #23 of 68 | +0.40 | −0.30 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 4mo | 5.05% | joint #7 of 49 | +0.40 | −0.35 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 5mo | 5.20%market best | #1 of 50 | +0.90 | best | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 6mo | 5.20% | joint #10 of 73 | +0.20 | −0.25 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 7mo | 5.25% | joint #3 of 43 | +0.30 | −0.20 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 8mo | 5.25%market best | joint #1 of 39 | +0.85 | best | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 9mo | 5.25% | joint #12 of 60 | +0.45 | −0.15 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 10mo | 5.25% | joint #2 of 40 | +1.25 | −0.10 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 11mo | 5.25% | joint #5 of 45 | +1.25 | −0.20 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
| 1yr | 5.25% | joint #38 of 75 | median | −0.35 | — | same on every day read since 26 Aug 2026 | $5,000 | Stow It Term Deposit Account |
“Rank”, “vs median” and “vs best” compare BNK Bank 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 BNK Bank publishes about its products2 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Stow It Term Deposit Account | monthly (at maturity), every 9 months (at maturity), every 8 months (at maturity), quarterly (at maturity), every 7 months (at maturity), every 4 months (at maturity), every 10 months (at maturity), yearly (at maturity) | $5,000 | not stated | 12 | — |
Stow It Term Deposit Account: eligibility, conditions and features
- Eligibility
- minimum age: 18; residency: An Australian citizen, permanent resident or Australian resident for tax purpos…; individuals: To open a term deposit as a personal customer, you must: - be an individual (or up to 4 individuals) - be an Australian resident for tax purposes - have a residential postal address in Australia - m…
- Conditions
- min balance 5000.00; opening balance 5000.00
- Features
- other — A loyalty bonus maybe offered if you automatically roll over your term deposit into a new term with BNK/Goldfields; other — 7 calendar days rollover cooling off period.; digital banking — Internet Banking Available; other — No Fees; other — Rollover facility available; other — All deposits you have with BNK/Goldfields are guaranteed up to $250,000 by the Australian Government, under the Financial Claims Scheme. For more information on the Financial Claims Scheme.
- The bank’s description
- We offer both a personal and business option and we pay a great rate to reward you for stashing your hard earned cash with us.
Also published, not ranked here: Business Term Deposit smsfbusiness.
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 · 12 terms
3mo 4.95% today
26 Aug 202610 Oct 2026
4mo 5.05% today
26 Aug 202610 Oct 2026
6mo 5.20% today
26 Aug 202610 Oct 2026
7mo 5.25% today
26 Aug 202610 Oct 2026
8mo 5.25% today
26 Aug 202610 Oct 2026
1yr 5.25% today
26 Aug 202610 Oct 2026
All 12 terms — the other 6
1mo 4.05% today
26 Aug 202610 Oct 2026
2mo 4.45% today
26 Aug 202610 Oct 2026
5mo 5.20% today
26 Aug 202610 Oct 2026
9mo 5.25% today
26 Aug 202610 Oct 2026
10mo 5.25% today
26 Aug 202610 Oct 2026
11mo 5.25% today
26 Aug 202610 Oct 2026
Each line is the best retail rate BNK Bank 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 BNK Bank sitsagainst the 77 banks ranked today
1yr: 37 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 31 more on the leaderboard
6mo: 9 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 3 more on the leaderboard
Timeline0 rate changes since 26 Aug 2026 · ▲0 ▼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. | |
Questions about these rates
What is BNK Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate BNK Bank publishes in its Consumer Data Right feed is 5.25% for 7 months (Stow It Term Deposit Account). That is joint #46 of the 77 Australian banks ranked by best rate today.
What is BNK Bank’s 12-month term deposit rate?
5.25% as read on 10 Oct 2026, exactly the market median of 5.25%, and joint #38 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 BNK Bank?
The lowest minimum BNK Bank states in its feed is $5,000 (Stow It Term Deposit Account, 1-month). Check the product disclosure statement for balance tiers.
When did BNK Bank last change a term deposit rate?
We have not read a change to any of BNK Bank’s published retail term deposit rates since we first read its feed on 26 Aug 2026. Days on which we read no rate are not counted as unchanged.
Are deposits with BNK Bank guaranteed?
BNK Bank 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 BNK Bank 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 BNK Bank” below; rates are as read on 10 Oct 2026.
About BNK Bank
- Registered as
- BNK Bank (Goldfields Money/BCHL)
- Also known as
- Goldfields Money, Better Choice, BNK Banking Corporation
- Type
- ASX-listed bank
- Part of
- BNK Banking Corporation
- ASX code
- BBC
- Consumer Data Right feed
- https://public.cdr.bnk.com.au
- 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 BNK Bank 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 BNK Bankhighinterestsavingsaccounts.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.