Bank Australia
Term Deposit 36 months
Bank Australia · term deposits
Provider last updated this product 2026-09-21.
Go to provider
You'll complete your application on
Bank Australia's website. Confirm the rate and fees with them
before applying.
The fixed term deposit making a positive difference to more than just your bank balance.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 5.40% | 36 months | monthly | $500 - $3,000,000 | Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated monthly, paid P12M |
| Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.40% | 36 months | daily | $500 - $1,000,000 | Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid P12M |
| Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| SMS alert fee | EVENT | $0.25 | This fee is charged when you elect to receive notifications about your account via SMS messages to a mobile telephone number you have given us for contacting you. The cost is per SMS. |
| Staff assisted international payment in foreign currency | TRANSACTION | $30 | This fee is charged when you make an International Payment in foreign currency via a Branch or the Contact Centre. The cost is per transfer. |
| Company/business name searches | EVENT | $40 | When we conduct a search of the ASIC register to obtain information about the ownership of a company in administration of an account. The cost is per search. |
| Dormancy Fee | PERIODIC | $10 | Administration fee where account has been transferred to dormancy status. |
| Certificates supplied by the bank | EVENT | $5 | A fee for comprehensive certificates supplied for audit. The cost is $5 per page and $25 per hour. |
| Security token fee | EVENT | $50 | When you request that we provide you with a physical Token to provide an additional layer of security when you engage in transactions that carry a higher risk. We do not charge for the virtual token. |
| Same day funds transfers within Australia fee (RTGS) | TRANSACTION | $20 | This fee is for a Real Time Gross Settlement (RTGS) payment which refers to the process of transferring money from one bank to another in Australia on a real time and gross basis. The cost is per transfer. |
| Term Deposit Early Withdrawal | EVENT | $0 | Any request for early release of funds from the term deposit will be subject to 31 days' notice. If regular access to funds is required, another account may be more suitable. The request for early withdrawal will incur an early release prepayment adjustment to the interest rate and a Term Deposit early withdrawal admin fee may apply. Please refer to Summary of Accounts for more information. Any funds you leave in the account will continue to earn interest at the interest rate originally agreed. The minimum investment amount of $500 must be retained in the term deposit. |
| Staff assisted international payment in AUD | PAYMENT | $30 | This fee is charged when you make an International Payment in AUD via a Branch or the Contact Centre. The cost is per transfer. |
| Duplicate statement fee | EVENT | $5 | $5 per statement (for period more than 3 months before request). A fee that may be charged if you order a copy of a statement that has already been issued on your account. This fee per statement and is charged on or after the day you order the duplicate statement. |
| Online international payment in foreign currency | PAYMENT | $10 | This fee is charged when you make an International Payment in foreign currency on-line via Internet banking or Bank Australia app. The cost is per transfer. |
| Inwards Payment fee | DEPOSIT | $0 | International money transfer from overseas (other fees may be charged by participating banks involved in the transaction or settlement). The cost is per transaction. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-17 | 5.00% |
| 2026-09-24 | 2026-09-30 (current) | 5.40% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur a repayment adjustment.
Who can apply
- businessSole traders, Pty Ltd, public companies, partnerships or associations
- min age - 0Children aged 12 years and younger requires that a parent or guardian is a signatory to the account until the child turns 13 years old. At the age of 13 years old, the parent or guardian may at the child's election, cease to be a signatory.
- natural personNatural Person or In trust for a Natural Person or Non-Individual entity
- residency status - AUBe an Australian citizen, permanent resident or have a valid visa; or entity be registered in Australia
Limits
- min balance - 500.00Minimum Balance of $500 is required
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-21T22:00:24.424Z · Product ID: a75b54b7-3278-4fba-95d9-9cc143471b8d