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国家 / 🇦🇺 Australia

在 Australia 的最佳 term deposit 利率

来自 10 家供应商的 AUD term deposit 利率，每日直接从各银行网站读取，另有 1 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 05:37 UTC · 全部 11 家供应商 · high-interest savings account

最佳 3 个月利率

5.05% 年利率

ING Australia

基准利率 · 最低 A$10,000

最佳 6 个月利率

5.20% 年利率

Bank of Queensland (BOQ)

基准利率 · 最低 A$5,000

最佳 12 个月利率

5.55% 年利率

Judo Bank

基准利率

针对 A$10,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 term deposit 利率

期限
利率类型
选项

9 家银行提供 A$10,000 的12个月利率

银行年利率期限存款详情链接
Judo BankPersonal Term Deposit5.55%≈ A$555 (12 个月)12 个月未说明基准利率
Interest at maturity (terms up to 1 year) or annually (2-5 years)
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AMP BankAMP Bank GO Term Deposit5.40%≈ A$540 (12 个月)12 个月A$5,000 – A$9,999,999基准利率
$5,000 to $10,000,000
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ANZANZ Advance Notice Term Deposit (annual interest)5.30%≈ A$530 (12 个月)12 个月A$5,000 – A$1,999,999基准利率
$5,000 to $1,999,999; 31 days' notice required for early withdrawal
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Bank of Queensland (BOQ)Term Deposit5.30%≈ A$530 (12 个月)12 个月A$5,000 +基准利率
Minimum opening deposit $5,000; Interest paid at maturity; Personal use; 31 days' notice for early withdrawal
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Commonwealth Bank of AustraliaTerm Deposit 12-month Special Offer5.30%≈ A$530 (12 个月)12 个月A$5,000 – A$5,000,000促销
Special offer from 18 September 2026 for a limited time; 12-month term only; Interest paid annually
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ING AustraliaPersonal Term Deposit5.30%≈ A$530 (12 个月)12 个月A$10,000 +基准利率
Minimum opening deposit $10,000
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National Australia Bank (NAB)NAB Term Deposit5.30%≈ A$530 (12 个月)12 个月A$5,000 – A$1,999,999基准利率
Rates for $5,000 (minimum opening balance) to $1,999,999; Interest at maturity
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Rabobank AustraliaTerm Deposit5.25%≈ A$525 (12 个月)12 个月A$1,000 – A$100,000基准利率
From $1,000 to $2,000,000; Personal and joint accounts
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WestpacTerm Deposit (interest annually / at maturity)4.75%≈ A$475 (12 个月)12 个月A$5,000 – A$2,000,000基准利率
$5,000 to $2,000,000; Add 0.10% p.a. if already with Westpac and opening or renewing online
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"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

此列表如何排序？

按利率排序，最高的排在前面，针对您选择的金额和期限。若银行公布了其综合有效利率，我们将使用该利率。每家银行只出现一次，展示其最匹配的报价，除非您勾选 "Show every rate"。银行不能付费改变排序。

规划您的存款

Best rate by term

1 months: 2.10% at Judo Bank2.10%1 个月2 months: 2.30% at Judo Bank2.30%2 个月3 months: 5.05% at ING Australia5.05%3 个月4 months: 5.00% at Bank of Queensland (BOQ)5.00%4 个月6 months: 5.20% at Bank of Queensland (BOQ)5.20%6 个月9 months: 5.15% at AMP Bank5.15%9 个月12 months: 5.55% at Judo Bank5.55%12 个月18 months: 4.75% at Westpac4.75%18 个月24 months: 5.55% at Judo Bank5.55%24 个月36 months: 5.55% at Judo Bank5.55%36 个月

Best rate open to any customer for A$10,000 at each term, from today's verified offers. Hover a point for the bank.

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

官方基准

RBA cash rate target 30 Sep 20264.60%

来源：rba.gov.au。仅作参考，不构成推荐。

存款保障：Financial Claims Scheme (FCS)

限额A$250,000

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. 来源, 已检查 2026-10-18.

Where does your money earn most in Australia?

Best 12-month term deposit (Judo Bank)5.55%
Best savings account (Ubank)6.25%
RBA cash rate target4.60%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

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: 未说明), read from the bank's website at 18 Oct 2026, 05:37 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, 05:37 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.

How do term deposit rates compare with the RBA cash rate target?

The RBA cash rate target is 4.60% (30 Sep 2026). The best 12-month term deposit rate open to any customer today is 5.55%.

Deposit rates in nearby countries

🇳🇿 New Zealand

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缺少银行？请推荐

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。