BNK Bank (Goldfields Money/BCHL)
Stow It Term Deposit Account
BNK Bank (Goldfields Money/BCHL) · term deposits
Provider last updated this product 2026-10-22.
We offer both a personal and business option and we pay a great rate to reward you for stashing your hard earned cash with us.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 5.05% | 1 months | - | - | Rate applied to a 1 Month Term Deposit | paid monthly |
| Rate applied to a 1 Month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.40% | 9 months | - | - | The rate applied to a 9 month Term Deposit | paid P9M |
| The rate applied to a 9 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.35% | 8 months | - | - | The rate applied to a 8 month Term Deposit | paid P8M |
| The rate applied to a 8 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.25% | 3 months | - | - | The rate applied to a 3 month Term Deposit | paid quarterly |
| The rate applied to a 3 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.35% | 7 months | - | - | The rate applied to a 7 month Term Deposit | paid P7M |
| The rate applied to a 7 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.40% | 10 months | - | - | The rate applied to a 10 month Term Deposit | paid P10M |
| The rate applied to a 10 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.40% | 12 months | - | - | The rate applied to a 12 month Term Deposit | paid P12M |
| The rate applied to a 12 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.35% | 5 months | - | - | The rate applied to a 5 month Term Deposit | paid P5M |
| The rate applied to a 5 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.35% | 6 months | - | - | The rate applied to a 6 month Term Deposit | paid half-yearly |
| The rate applied to a 6 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.05% | 2 months | - | - | The rate applied to a 2 month Term Deposit | paid P2M |
| The rate applied to a 2 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.30% | 4 months | - | - | The rate applied to a 4 month Term Deposit | paid P4M |
| The rate applied to a 4 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
| FIXED | 5.40% | 11 months | - | - | The rate applied to a 11 month Term Deposit | paid P11M |
| The rate applied to a 11 month Term Deposit This rate is applicable to new Term Deposit Accounts | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Term Deposit Early Withdrawals | WITHDRAWAL | - | withdraw part or all of the balance before the maturity date, the interest you receive on the amount withdrawn may be reduced based on the term elapsed as a percentage of the total term. This is the Early Withdrawal Adjustment. View TD Terms and conditions for full details Percentage of time elapsed out of original term: Percentage Interest reduced by - 0% to <20%: 90%, 20% to < 40%:80%, 40% to < 60%: 60%, 60% to < 80%: 40%, 80% to < 100%: 20% |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-07-17 | 5.30% |
| 2026-07-20 | 2026-10-20 | 5.25% |
| 2026-10-21 | 2026-10-26 (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
- A loyalty bonus maybe offered if you automatically roll over your term deposit into a new term with BNK/Goldfields
- 7 calendar days rollover cooling off period.
- No Fees
- Rollover facility available
- All deposits you have with BNK/Goldfields are guaranteed up to $250,000 by the Australian Government, under the Financial Claims Scheme. For more information on the Financial Claims Scheme.
Who can apply
- min age - 18
- residency status - An Australian citizen, permanent resident or Australian resident for tax purposes
- natural personTo open a term deposit as a personal customer, you must: - be an individual (or up to 4 individuals) - be an Australian resident for tax purposes - have a residential postal address in Australia - maintain a current email address, an Australian mobile number and always have access to an electronic device with a working internet connection
Limits
- min balance - 5000.00
- opening balance - 5000.00
Last updated by data holder: 2026-10-22T05:19:41.171817Z · Product ID: 1006