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Countries / 🇦🇺 Australia
Best term deposit rates in Australia
AUD term deposit rates from 10 providers, read directly from each bank's website every day, plus 1 more providers to check. Sorted by rate; no paid rankings.
Last checked 18 Oct 2026, 03:42 UTC · all 11 providers
Best 3-month rate
5.05% p.a.
ING Australia
Board rate · min A$10,000
Best 6-month rate
5.20% p.a.
Bank of Queensland (BOQ)
Board rate · min A$5,000
Best 12-month rate
5.55% p.a.
Judo Bank
Board rate
Best rate for a A$10,000 deposit, open to any customer. Promotions can end early; confirm with the bank.
Compare term deposit rates
8 banks with a 12-month rate for A$10,000
| Bank | Rate p.a. | Tenure | Deposit | Details | Link |
|---|---|---|---|---|---|
| Judo BankPersonal Term Deposit | 5.55%≈ A$555 in 12 months | 12 months | Not stated | Board rate | Przejdź do banku |
| AMP BankAMP Bank GO Term Deposit | 5.40%≈ A$540 in 12 months | 12 months | A$5,000 – A$9,999,999 | Board rate | Przejdź do banku |
| ANZANZ Advance Notice Term Deposit (annual interest) | 5.30%≈ A$530 in 12 months | 12 months | A$5,000 – A$1,999,999 | Board rate | Przejdź do banku |
| Bank of Queensland (BOQ)Term Deposit | 5.30%≈ A$530 in 12 months | 12 months | A$5,000 + | Board rate | Przejdź do banku |
| Commonwealth Bank of AustraliaTerm Deposit 12-month Special Offer | 5.30%≈ A$530 in 12 months | 12 months | A$5,000 – A$5,000,000 | Promo | Przejdź do banku |
| ING AustraliaPersonal Term Deposit | 5.30%≈ A$530 in 12 months | 12 months | A$10,000 + | Board rate | Przejdź do banku |
| Rabobank AustraliaTerm Deposit | 5.25%≈ A$525 in 12 months | 12 months | A$1,000 – A$100,000 | Board rate | Przejdź do banku |
| WestpacTerm Deposit (interest annually / at maturity) | 4.75%≈ A$475 in 12 months | 12 months | A$5,000 – A$2,000,000 | Board rate | Przejdź do banku |
"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. Jak zbieramy i weryfikujemy stawki.
How is this list ordered?
By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.
Plan your deposit
Best rate by term
Best rate open to any customer for A$10,000 at each term, from today's verified offers. Hover a point for the bank.
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Double opt-in: confirm by email first. One email when the best rate for your term and amount goes up. Unsubscribe in one click.
Deposit protection: Financial Claims Scheme (FCS)
Under the Financial Claims Scheme, deposits are protected up to a limit of $250,000 for each account holder at each bank, building society and credit union (ADI) that is incorporated in Australia and authorised by APRA. Source, checked 2026-10-18.
More term deposit providers in Australia
We list these providers but do not read their rates automatically yet, so we never show a number for them. Check the rate on the bank's own page. Know a bank we should read? Suggest it.
Questions about deposits in Australia
What is the best 12-month term deposit rate in Australia today?
5.55% p.a. at Judo Bank (minimum deposit: Not stated), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.
What is the best 6-month term deposit rate in Australia today?
5.20% p.a. at Bank of Queensland (BOQ) (minimum deposit: A$5,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.
Are term deposits in Australia protected?
Under the Financial Claims Scheme, deposits are protected up to a limit of $250,000 for each account holder at each bank, building society and credit union (ADI) that is incorporated in Australia and authorised by APRA.
How many banks do you compare in Australia?
We list 11 providers. Rates for 10 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.
Deposit rates in nearby countries
Missing a bank? Suggest one
We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.