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TERM DEPOSITS

Looking to lock away some cash for the short or long term? Mozo can help you get the best return on your money. Our whole market comparisons will help you find the best term deposit for your investment needs.

  • We compare 66 term deposits from 64 banks

  • We update term deposit information on our site daily

  • You can read unbiased term deposit reviews on Mozo

    • ING DIRECT Term Deposit
      • No ING DIRECT fees, ever
      • Deposit from $10K to $5 million
      • Loyalty Bonus Rate on rollover
    • interest rate*

      4.10%
      2 years

    • Go to site
    More info
    • Bankwest Online Term Deposit
      • No fees
      • Invest anything from $1,000 to 5 million
      • 100% secure online application
    • interest rate*

      3.85%
      2 years

    • Go to site
    More info
    • ING DIRECT Term Deposit
      • No ING DIRECT fees, ever
      • Deposit from $10K to $5 million
      • Loyalty Bonus Rate on rollover
    • interest rate*

      3.80%
      11 months

    • Go to site
    More info
    • Bankwest Online Term Deposit
      • No fees
      • Invest anything from $1,000 to 5 million
      • 100% secure online application
    • interest rate*

      3.70%
      7 months

    • Go to site
    More info

*Different interest rates apply to different amounts or different interest payment frequencies.

  • Term deposit reviews

      • RaboDirect term deposit review

        excellent

        11. Overall customer rating
        12. (Reviewed about 18 hours ago)

        You have to be computer literate.  Full review 

        You have to be computer literate.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        RaboDirect Term Deposit term deposit review by Bernard from Queensland

        Was this review helpful? Yes

      • ING DIRECT term deposit review

        Can not fault this bank

        11. Overall customer rating
        12. (Reviewed about 18 hours ago)

        The most hassle free banking I have ever used. There were no negatives.  Full review 

        The most hassle free banking I have ever used. There were no negatives.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        ING DIRECT Term Deposit term deposit review by Jen from New South Wales

        Was this review helpful? Yes

      • Investec term deposit review

        Great customer service and highly competitive rate

        11. Overall customer rating
        12. (Reviewed about 18 hours ago)

        I like this bank because it offers highly competitive rates for its term deposit options and its online banking system is very reliable and safe with VIP Access feature. One of the main cons of this bank is that it doesn't have branches around. So...  Full review 

        I like this bank because it offers highly competitive rates for its term deposit options and its online banking system is very reliable and safe with VIP Access feature. One of the main cons of this bank is that it doesn't have branches around. So it is not a bank that can be relied on for everyday banking needs but highly recommended for short and medium term investment of one's excess funds that won't be needed immediately. I found the staff to be helpful and alive to their duties. They respond to my request very speedily. I am satisfied with their services so far.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        Investec Term Deposit term deposit review by Olugbenga from Western Australia

        Was this review helpful? Yes

    • Finding the best return for your investment

      Term deposits might not be the sexiest investment, but they do offer a safe haven in choppy financial seas. In these days of economic uncertainty, term deposits are gaining popularity as a safe place to park spare cash and fix against future interest rate falls.

      Finding the best term deposits rates on the market can be a time consuming exercise, but Mozo can help you weigh them up with ease. Our database has all the best Australian term deposit rates and covers all the main financial institutions, including: the Commonweath Bank, NAB, Westpac, ANZ

      You'll also find top bank term deposits from Australia's leading challenger brands such as: ING DIRECT , Bankwest, UBank. With these great tools, you can compare term deposit rates Australia wide

      You can also get the inside story on the best deals from those in the know with reviews by the Mozo community.

    • Finding the best rate for the right time period

      Whether you're looking for a 6 month or 5 year account, our nifty comparison tools let you quickly filter and compare term deposits according to the features and fixed term you want. You can shortlist term deposits and compare your rates, fees and features side-by-side to pick a winner.

    • Finding the best term deposit rates

      Before you compare term deposits, remember that your money will be locked away from reach for the length of the term. Make sure that you won't need to access your cash before the term is up, as early withdrawal fees can be harsh.

      Fixed deposit terms range from as little as 30 days to three years or more. Interest rates differ according to the length of the term and the amount you are investing, so it pays to shop around for the best interest rates for terms applicable for your situation.

      It is work crunching the numbers with a term deposit calculator to find best rates that Australian banks can offer you. By using our calculator to make a term deposit rates comparison, you can also see how much your investment will be worth at the end of the investment period and compare this with high interest savings accounts rates.

    • Interest rates across Australia

      Banks calculate and pay interest for deposits in different ways, such as daily, monthly, quarterly and annually. Trying to compare term deposit rates in this way is enough to give anyone a headache, but finding the best rate for a situation, you'll get a deposit product that pays interest frequently and automatically rolls the interest back in will give you a bigger pot of gold at the end of the rainbow.

      So for the best term deposit interest rates in Australia, set aside a little time to work out what you want from your fixed term investment and use our online quide to compare term deposit interest rates.

      This pages is about personal term deposits, head over to our business banking section if you're after business deposits.

  • Term deposit calculators

    Crunch numbers with our handy calculators.

  • Term deposit guides

    Don't get locked in a dud term deposit. Get the best account and highest savings interest tips with our handy guides.

  • Community

    Keep up to date with the latest news or get your term deposit questions answered by the money mavens on Mozo Answers.