ANZ
ANZ Advance Notice Term Deposit
ANZ · term deposits
Provider last updated this product 2026-09-23.
Go to provider
You'll complete your application on
ANZ's website. Confirm the rate and fees with them
before applying.
Enjoy the certainty of fixed returns over the investment term of your choice
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 1.50% | - | daily | Term | 7 Days - < 1 Month, Maturity Interest | calculated daily |
| 7 Days - < 1 Month, Maturity Interest | ||||||
| FIXED | 1.50% | 1 months | daily | 1 - 2 months | 1-2 Months, Maturity Interest | calculated daily |
| 1-2 Months, Maturity Interest | ||||||
| FIXED | 1.75% | 2 months | daily | 2 - 3 months | 2-3 Months, Maturity Interest | calculated daily |
| 2-3 Months, Maturity Interest | ||||||
| FIXED | 3.35% | 3 months | daily | 3 - 4 months | 3-4 Months, Maturity Interest | calculated daily |
| 3-4 Months, Maturity Interest | ||||||
| FIXED | 3.40% | 4 months | daily | 4 - 5 months | 4-5 Months, Maturity Interest | calculated daily |
| 4-5 Months, Maturity Interest | ||||||
| FIXED | 3.45% | 5 months | daily | 5 - 6 months | 5-6 Months, Maturity Interest | calculated daily |
| 5-6 Months, Maturity Interest | ||||||
| FIXED | 3.50% | 6 months | daily | 6 - 7 months | 6-7 Months, Maturity Interest | calculated daily |
| 6-7 Months, Maturity Interest | ||||||
| FIXED | 5.00% | 7 months | daily | 7 - 8 months | 7-8 Months, Maturity Interest | calculated daily |
| 7-8 Months, Maturity Interest | ||||||
| FIXED | 3.60% | 8 months | daily | 8 - 9 months | 8-9 Months, Maturity Interest | calculated daily |
| 8-9 Months, Maturity Interest | ||||||
| FIXED | 3.75% | 9 months | daily | 9 - 10 months | 9-10 Months, Maturity Interest | calculated daily |
| 9-10 Months, Maturity Interest | ||||||
| FIXED | 3.80% | 10 months | daily | 10 - 11 months | 10-11 Months, Maturity Interest | calculated daily |
| 10-11 Months, Maturity Interest | ||||||
| FIXED | 3.85% | 11 months | daily | 11 - 12 months | 11-12 Months, Maturity Interest | calculated daily |
| 11-12 Months, Maturity Interest | ||||||
| FIXED | 1.75% | 2 months | daily | 2 - 3 months | 2-3 Months, Monthly Interest | calculated daily, paid monthly |
| 2-3 Months, Monthly Interest | ||||||
| FIXED | 3.34% | 3 months | daily | 3 - 4 months | 3-4 Months, Monthly Interest | calculated daily, paid monthly |
| 3-4 Months, Monthly Interest | ||||||
| FIXED | 3.39% | 4 months | daily | 4 - 5 months | 4-5 Months, Monthly Interest | calculated daily, paid monthly |
| 4-5 Months, Monthly Interest | ||||||
| FIXED | 3.43% | 5 months | daily | 5 - 6 months | 5-6 Months, Monthly Interest | calculated daily, paid monthly |
| 5-6 Months, Monthly Interest | ||||||
| FIXED | 3.47% | 6 months | daily | 6 - 7 months | 6-7 Months, Monthly Interest | calculated daily, paid monthly |
| 6-7 Months, Monthly Interest | ||||||
| FIXED | 4.94% | 7 months | daily | 7 - 8 months | 7-8 Months, Monthly Interest | calculated daily, paid monthly |
| 7-8 Months, Monthly Interest | ||||||
| FIXED | 3.56% | 8 months | daily | 8 - 9 months | 8-9 Months, Monthly Interest | calculated daily, paid monthly |
| 8-9 Months, Monthly Interest | ||||||
| FIXED | 3.70% | 9 months | daily | 9 - 10 months | 9-10 Months, Monthly Interest | calculated daily, paid monthly |
| 9-10 Months, Monthly Interest | ||||||
| FIXED | 3.75% | 10 months | daily | 10 - 11 months | 10-11 Months, Monthly Interest | calculated daily, paid monthly |
| 10-11 Months, Monthly Interest | ||||||
| FIXED | 3.79% | 11 months | daily | 11 - 12 months | 11-12 Months, Monthly Interest | calculated daily, paid monthly |
| 11-12 Months, Monthly Interest | ||||||
| FIXED | 5.18% | 12 months | daily | 12 - 24 months | 12-24 Months, Monthly Interest | calculated daily, paid monthly |
| 12-24 Months, Monthly Interest | ||||||
| FIXED | 4.89% | 24 months | daily | 24 - 36 months | 24-36 Months, Monthly Interest | calculated daily, paid monthly |
| 24-36 Months, Monthly Interest | ||||||
| FIXED | 4.51% | 36 months | daily | 36 - 48 months | 36-48 Months, Monthly Interest | calculated daily, paid monthly |
| 36-48 Months, Monthly Interest | ||||||
| FIXED | 3.93% | 48 months | daily | 48 - 60 months | 48-60 Months, Monthly Interest | calculated daily, paid monthly |
| 48-60 Months, Monthly Interest | ||||||
| FIXED | 3.40% | 4 months | daily | 4 - 5 months | 4-5 Months, Quarterly Interest | calculated daily, paid quarterly |
| 4-5 Months, Quarterly Interest | ||||||
| FIXED | 3.44% | 5 months | daily | 5 - 6 months | 5-6 Months, Quarterly Interest | calculated daily, paid quarterly |
| 5-6 Months, Quarterly Interest | ||||||
| FIXED | 3.48% | 6 months | daily | 6 - 7 months | 6-7 Months, Quarterly Interest | calculated daily, paid quarterly |
| 6-7 Months, Quarterly Interest | ||||||
| FIXED | 4.96% | 7 months | daily | 7 - 8 months | 7-8 Months, Quarterly Interest | calculated daily, paid quarterly |
| 7-8 Months, Quarterly Interest | ||||||
| FIXED | 3.57% | 8 months | daily | 8 - 9 months | 8-9 Months, Quarterly Interest | calculated daily, paid quarterly |
| 8-9 Months, Quarterly Interest | ||||||
| FIXED | 3.72% | 9 months | daily | 9 - 10 months | 9-10 Months, Quarterly Interest | calculated daily, paid quarterly |
| 9-10 Months, Quarterly Interest | ||||||
| FIXED | 3.76% | 10 months | daily | 10 - 11 months | 10-11 Months, Quarterly Interest | calculated daily, paid quarterly |
| 10-11 Months, Quarterly Interest | ||||||
| FIXED | 3.80% | 11 months | daily | 11 - 12 months | 11-12 Months, Quarterly Interest | calculated daily, paid quarterly |
| 11-12 Months, Quarterly Interest | ||||||
| FIXED | 5.20% | 12 months | daily | 12 - 24 months | 12-24 Months, Quarterly Interest | calculated daily, paid quarterly |
| 12-24 Months, Quarterly Interest | ||||||
| FIXED | 4.91% | 24 months | daily | 24 - 36 months | 24-36 Months, Quarterly Interest | calculated daily, paid quarterly |
| 24-36 Months, Quarterly Interest | ||||||
| FIXED | 4.52% | 36 months | daily | 36 - 48 months | 36-48 Months, Quarterly Interest | calculated daily, paid quarterly |
| 36-48 Months, Quarterly Interest | ||||||
| FIXED | 3.94% | 48 months | daily | 48 - 60 months | 48-60 Months, Quarterly Interest | calculated daily, paid quarterly |
| 48-60 Months, Quarterly Interest | ||||||
| FIXED | 4.99% | 7 months | daily | 7 - 8 months | 7-8 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 7-8 Months, Half Yearly Interest | ||||||
| FIXED | 3.59% | 8 months | daily | 8 - 9 months | 8-9 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 8-9 Months, Half Yearly Interest | ||||||
| FIXED | 3.73% | 9 months | daily | 9 - 10 months | 9-10 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 9-10 Months, Half Yearly Interest | ||||||
| FIXED | 3.78% | 10 months | daily | 10 - 11 months | 10-11 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 10-11 Months, Half Yearly Interest | ||||||
| FIXED | 3.82% | 11 months | daily | 11 - 12 months | 11-12 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 11-12 Months, Half Yearly Interest | ||||||
| FIXED | 5.23% | 12 months | daily | 12 - 24 months | 12-24 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 12-24 Months, Half Yearly Interest | ||||||
| FIXED | 4.94% | 24 months | daily | 24 - 36 months | 24-36 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 24-36 Months, Half Yearly Interest | ||||||
| FIXED | 4.55% | 36 months | daily | 36 - 48 months | 36-48 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 36-48 Months, Half Yearly Interest | ||||||
| FIXED | 3.96% | 48 months | daily | 48 - 60 months | 48-60 Months, Half Yearly Interest | calculated daily, paid half-yearly |
| 48-60 Months, Half Yearly Interest | ||||||
| FIXED | 5.30% | 12 months | daily | 12 - 24 months | 12-24 Months, Annual Interest | calculated daily, paid annually |
| 12-24 Months, Annual Interest | ||||||
| FIXED | 5.00% | 24 months | daily | 24 - 36 months | 24-36 Months, Annual Interest | calculated daily, paid annually |
| 24-36 Months, Annual Interest | ||||||
| FIXED | 4.60% | 36 months | daily | 36 - 48 months | 36-48 Months, Annual Interest | calculated daily, paid annually |
| 36-48 Months, Annual Interest | ||||||
| FIXED | 4.00% | 48 months | daily | 48 - 60 months | 48-60 Months, Annual Interest | calculated daily, paid annually |
| 48-60 Months, Annual Interest | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Early Withdrawal | WITHDRAWAL | $30 | Administration fee for withdrawing funds before the maturity date. The account will also incur an interest reduction in respect of the money withdrawn or transferred early based on the percentage of the original term that has elapsed. Refer to the terms and conditions on anz.com |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-08-21 | 5.30% |
| 2026-08-22 | 2026-09-01 | 5.25% |
| 2026-09-03 | 2026-09-14 | 5.15% |
| 2026-09-17 | 2026-09-17 | 5.20% |
| 2026-09-24 | 2026-09-30 (current) | 5.30% |
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 range of rates With an ANZ Advance Notice Term Deposit, you could potentially earn a higher interest rate in return for giving us 31 days’ notice for early withdrawals. This could help to maximise your savings. There’s a range of rates available for you to consider.
- Various terms available Choose a term that works for you, ranging from one month to five years. You can also select how often you receive interest payments – monthly, quarterly, half-yearly, or annually on selected terms.
- No account service fees Enjoy the benefits of an ANZ Advance Notice Term Deposit with no set-up costs or monthly account service fees. Note that fees and charges will apply for early withdrawals.
- Secure your savings Locking away your savings could prevent frequent withdrawals. This could be a strategic way to grow your savings over time.
- Government protection Your deposits with ANZ may be protected under the Federal Government’s Financial Claims Scheme. Under the scheme, certain deposits up to a limit of $250,000 per account holder are protected. For more information, visit the ANZ Financial Claims Scheme page.
Who can apply
- min age - 12You must be 12 years of age or older to apply
- otherYou will need an existing ANZ everyday account or ANZ savings account
- residency status - You must be an Australian resident with an Australian residential and mailing address.
Limits
- min balance - 5000.00
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: 2026-09-23T14:01:00.000Z · Product ID: 2d41a5d3-0c8d-d5e9-cadc-195410627e08