ANZ Term Deposits

Grow your savings by investing with a fixed interest rate for the length of time you choose (minimum investment $10,000).


Term deposit rates

Rates are subject to change. Minimum investment $10,000.

Rates apply up to the first $5,000,000 held by the customer in all term deposits with ANZ and are only available to Retail and Business Banking customers. For all other rates, please contact us.


30 days


60 days

90 days

120 days 

150 days

180 days

210 days

240 days

270 days

1 year

18 months

2 years

3 years

4 years

5 years

Need more information?

What could your return be?

Use our term deposit calculator to find out how your savings can grow.

How it works

Choose how long you want to invest for (the term of the investment) and you’ll know exactly how much your return will be. 

Before investing, think about whether you’ll need access to your money -  with a term deposit, you shouldn’t expect to access your money before the maturity date. If you might need access, our ANZ Business Premium Call account may be more suitable for you.

Your interest

For investment terms of 180 days or more, interest can be:

  • paid at regular intervals (monthly, quarterly, six monthly or annually).
  • paid at the end of the term.
  • reinvested (quarterly, six monthly or annually).

It’s your choice. 

Other terms are paid or reinvested at maturity.

7 day 'cooling off' period

For Retail and Business Banking customers you will have a 7 calendar day 'cooling-off' period, starting on the day that we open or reinvest your term deposit for you. During this time, you can cancel your term deposit, change the investment term or change the amount of your investment.

Early withdrawals

Your investment is locked in until the end of your term – this helps you save and protects you from changes in interest rates. 

If you need the money you invested in a term deposit, you can request an early withdrawal. You'll need to either:

  • Tell us if you're suffering from financial hardship (businesses with total ANZ deposits of $2m or more will not qualify for early withdrawal on the grounds of hardship). 
  • Give us 31 days notice of the withdrawal. 

If we agree to the early withdrawal, we’ll reduce your rate by % per annum on the amount you withdraw (your return will not go below 0%).


  • No fees to open a term deposit.
  • No monthly account maintenance fees.
  • No management fees.

How to apply

From overseas: +64 9 523 7220

Related products

Help and support

Important information

A copy of the General Terms and Conditions is available from any ANZ branch.

Our Disclosure Statement under the Banking (Prudential Supervision) Act 1989 is available on our investor information page or ask for a copy at any ANZ branch, free of charge.

Term deposits with ANZ are not deposits or liabilities of Australia and New Zealand Banking Group Limited. Australia and New Zealand Banking Group Limited does not stand behind or guarantee ANZ Bank New Zealand Limited.

Australian Prudential Regulatory Authority (APRA) regulates all Authorised Deposit Taking Institutions (ADI) in Australia. Australia and New Zealand Banking Group Limited is an ADI however ANZ Bank New Zealand Limited is not an ADI.

Cooling-off period: If you cancel your term investment during your cooling-off period, we won’t pay you any return you may have earned during that period. If you change the term or amount of your investment during your cooling-off period, a different rate of return may apply.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.