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ANZ Advance Notice
Term Deposit

With an ANZ Advance Notice Term Deposit, you enjoy the confidence of a fixed period, fixed interest investment. You could earn a higher interest rate in return for giving us 31 days' notice if you want to withdraw funds before the end of the term.disclaimer disclaimer

How to apply

Jump to

Terms and interest rates

ANZ Advance Notice Term Deposit Calculator

Features and benefits

Interest ratesdisclaimer

4 months

Investments of between $5,000 to $1,999,999 
Interest paid at maturity

6 months

Investments of between $5,000 to $1,999,999 
Interest paid at maturity

12 months

Investments of between $5,000 to $1,999,999 
Interest paid at maturity

24 months

Investments of between $5,000 to $1,999,999 
Interest paid annually

For any questions or if you would like to invest $2,000,000 or more, please give us a call on 1800 008 177 between 8am and 8pm (AEST) Monday to Friday or visit your nearest ANZ Branch to discuss your term and interest rate.

ANZ Advance Notice Term Deposit interest rates

Terms

Interest at Maturity

Monthly Interest

Quarterly Interest

Half Yearly Interest

Annual Interest

7 days to less than 1 month

  

 

 

 

1 month to less than 2 months

   

 

 

 

2 months to less than 3 months

 

 

 

3 months to less than 4 monthsdisclaimer

 

 

 

4 months to less than 5 months

 

 

5 months to less than 6 months

 

 

6 months to less than 7 monthsdisclaimer

 

 

7 months to less than 8 months

 

8 months to less than 9 months

 

9 months to less than 10 months

 

10 months to less than 11 monthsdisclaimer

 

11 months to less than 12 months

 

12 months to less than 24 monthsdisclaimer

 

  

24 months to less than 36 monthsdisclaimer

 

  

36 months to less than 48 monthsdisclaimer

 

  

48 months to less than or equal to 60 monthsdisclaimer

 

  

The interest rates shown are for ANZ Advance Notice Term Deposit amounts of between $5,000 to $1,999,999 if you would like to invest $2,000,000 or more, please call 1800 008 177 between 8am and 8pm Monday to Friday. You must provide 31 days notice to ANZ if you wish to make an early withdrawal of your funds from an ANZ Advance Notice Term Deposit account. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with the ANZ Saving & Transaction Products Terms and Conditions (PDF). The interest rate applicable upon reinvestment may be lower or higher than the interest rate on your maturing term deposit. You can contact us on maturity of your ANZ Advance Notice to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide before acquiring the product. If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.

ANZ Advance Notice Term Deposit calculator

See how much you could earn on different terms and interest rates.

This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by the calculator is subject to the accuracy of the information provided by you. The calculator should only be used as a guide.

Interest rates current as at  and subject to change at any time. Different interest rates apply to different investment amounts, term lengths and interest frequencies. Early withdrawal fees will apply and the account will incur an interest reduction in respect of the money withdrawn or transferred early. An ANZ Advance Notice Term Deposit has a 31 day notice period for early withdrawal. A minimum deposit of $5,000 is required to open the product. This calculator has been set to a maximum deposit of $4,999,999. If you want to invest $2,000,000 or more, please call ANZ on 1800 008 177 or visit an ANZ Branch to discuss your term and interest rate.

What is an
ANZ Advance Notice
Term Deposit?

An ANZ Advance Notice Term Deposit is a type of savings account that pays a fixed interest rate for a set period of time.

You must provide 31 days' notice to ANZ if you wish to make an early withdrawal of funds from an ANZ Advance Notice Term Deposit account. Fees and charges will apply to early withdrawals.disclaimer

How it works

1. Make some choices

Decide how much you want to invest, for how long, and how often you want to receive interest payments. Invest a minimum of $5,000 and choose your term.

2. Sit back and wait for your term deposit to mature

You can view and change where you receive your interest payments using ANZ Internet Banking, over the phone or by visiting any ANZ branch. You can also change how often you receive your interest payments, provided this is done at maturity or up until the end of the seven day period beginning immediately after the maturity date of the maturing term deposit.

3. End of term

At the end of the term we'll pay out the balance of your term deposit or roll it over – depending on the instructions you gave us when you opened the account.disclaimer

Features
and benefits

 

  • Grow your savings even more
  • Government protection
  • Lock away your savings for a while
  • Different terms available
  • No account service fees

Grow your savings even more

ANZ Advance Notice Term Deposit may offer a higher competitive fixed interest rate than comparable ANZ Term Deposits in return for giving us 31 days' notice if you want to withdraw funds before the end of the term.disclaimer disclaimer
 

Different terms available

You can choose the timeframe/term that suits you, from one month to five years. And you can choose to receive interest payments monthly, quarterly, half yearly or annually on selected terms.disclaimer
 

No account service fees

You don't have to pay any set-up costs or monthly account service fees.disclaimerBut fees and charges will apply to early withdrawals. disclaimer 
 

Lock away your savings for a while

If you find yourself dipping into your savings often, this could be a good way to make your money less accessible.
 

Government protection

Your deposits may be protected under the Federal Government’s Financial Claims Scheme. Under the Financial Claims Scheme, certain deposits are protected up to a limit of $250,000 for each account holder. Information about the Financial Claims Scheme can be obtained from https://www.anz.com.au/personal/bank-accounts/manage-my-accounts/financial-claims-scheme/.

Looking for a new
bank account?

We've got a handy tool for that.

Our bank account comparison tool will show you some options side-by-side for term deposits, everyday transaction and savings accounts. Compare bank accounts

How to apply

Before you apply

Consider again the following before deciding if ANZ Advance Notice Term Deposit is right for you.

Features

  • You could earn a higher interest rate in return for 31 days' notice if you want to withdraw funds before the end of the termdisclaimer 
  • Fixed interest and fixed returns over your investment termdisclaimer
  • No account service feesdisclaimer
  • Choice of investment terms from one month to five yearsdisclaimer
  • Choose to have interest paid monthly, quarterly, half-yearly or annuallydisclaimer
  • Investments of between $5,000 to $1,999,999 

Eligibility criteria:

Things to consider

  • 31 days notice needed to withdraw funds before the end of the termdisclaimer
  • Early withdrawal will incur fees and chargesdisclaimer
  • Minimum balance of $5,000
  • This account is for personal use only
  • If you need fast access to your savings, check out these savings accounts

Apply for ANZ Advance Notice Term Deposit

Existing customers

Apply online

To apply online you'll need an existing ANZ everyday or ANZ savings account and a minimum deposit of $5,000.

Online joint account applications
Both applicants need to be existing ANZ customers to apply for an ANZ Term Deposit online. 

Visit a branch or call us

Book an appointment

Visit a branch where a representative will help you:

Can't get to a branch?

You can call 1800 008 177 to kick off your application.

Your questions
answered

If you wish to access your funds in an ANZ Advance Notice Term Deposit prior to the end of your investment term, you will be required to give ANZ 31 days’ notice. Before maturity or after your grace perioddisclaimerends, any request for an early withdrawal or transfer of all or part of your funds in your an ANZ Advance Notice Term Deposit will be returned to you 31 days after the date we received your request. If the 31st day falls on a non-business day, your funds will be returned on or before the next business day. If the maturity date is before the expiry of the 31-day notice period, your funds will be returned to you on the maturity date. If you are suffering financial hardship, you will need to submit an online application to ANZ’s dedicated Hardship team for our assessment. Any disbursement of your funds will be as in accordance with your agreed payment instructions and fee and charges will apply.

The early withdrawal or transfer of your funds will incur an interest reduction, and an administration fee will be applicable. See ANZ Saving & Transaction Products Terms and Conditions (PDF) for more information about ANZ’s fees and charges. 

ANZ Advance Notice Term Deposits are priced more competitively to recognize the restriction of 31 days’ notice to withdraw or transfer your funds before maturity. 

The principal difference between an ANZ Advance Notice Term Deposit and Term Deposit apart from the credit interest rate that applies is that you must provide 31 days' notice to ANZ if you wish to make an early withdrawal of funds from an ANZ Advance Notice Term Deposit account. Fees and charges will apply to early withdrawals.disclaimer Further details are set out in section 6.8 of the ANZ Saving & Transaction Products Terms and Conditions (PDF).

Choosing the right interest payment frequency for your term deposit is important as this can influence how much interest you earn at the end of the term. The options that are most commonly available are: monthly, quarterly, six monthly, annually, or at maturity. Keep in mind that not all payment frequencies are available for all terms.

 

Maturity or Monthly

Paid monthly

Paid at maturity
Interest will be paid every month over the life of your term deposit. Interest is paid all at once when your term comes to an end.

Generally comes with a lower interest.

 Will often come with a slightly higher interest rate.
You can elect to have the interest paid into your bank account each month for a boost to your monthly budget. At the end of the term, you’ll receive the full amount. 

Got more questions? See all ANZ term deposits FAQs

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Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

If you may have a need in the future to immediately withdraw or transfer the funds in an ANZ Advance Notice Term Deposit, other deposit products may be more suitable for you.

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Early withdrawal fees will apply. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money you withdraw or transfer early. Refer to ANZ Saving & Transaction Products Terms and Conditions (PDF).

Return

Different interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal fees will apply and the account will incur an interest reduction in respect of the money withdrawn or transferred early. Rates current as at  and are subject to change. 

Return

Rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. Rates current as at  and are subject to change.

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An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or, where that is a non-business day, on or before the next business day). An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with the ANZ Savings and Transaction Product Terms and Conditions (PDF). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.

Return

Different interest rates apply to different investment amounts, terms and interest frequencies. Rates current as at  and are subject to change. Early withdrawal fees will apply and the account will incur an interest reduction in respect of the money withdrawn or transferred early. Refer to ANZ Saving and Transaction Terms and Conditions (PDF). At maturity we will reinvest your ANZ Advance Notice Term Deposit based on the reinvestment consent you have given us and in accordance with instructions you have provided. If you choose to reinvest your principal (and interest) at the end of the investment term, the interest rate applicable to your ANZ Advance Notice Term Deposit may be lower than the interest rate on your maturing ANZ Advance Notice Term Deposit. If your circumstances change or this product is no longer suitable for you, please contact ANZ at or prior to maturity, or within your 7 day grace period (following reinvestment) to make alternative arrangements.

Return

If you withdraw funds before the maturity date of a term deposit, an administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with the ANZ Saving and Transaction Terms and Conditions (PDF).

Return

The 7 day grace period on a term deposit: (a) commences on the first day after the maturity date of your existing term deposit; and (b) only applies to term deposits opened as a result of a rollover or re-investment of funds from a maturing term deposit (i.e. does not apply to new term deposit accounts). 

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A minimum deposit of $5,000 is required to open an ANZ Advance Notice Term Deposit or an ANZ Term Deposit. This calculator has been set to a maximum deposit of $4,999,999. If you want to invest $2,000,000 or more, please call 1800 008 177 or visit your nearest ANZ Branch to discuss your term and interest rate.

Return

Early withdrawal fees will apply. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early. An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or, where that is a non-business day, on or before the next business day). Refer to the ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB) for further details.

Return

Interest rates current as at  and subject to change at any time. Different interest rates apply to each term deposit product and to different investment amounts, term lengths and interest frequencies. Early withdrawal fees may apply. Certain rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. For Advance Notice Term Deposits, this applies to investment terms of 3, 4, 6, 9, 11 and 12 months, as well as all term lengths of greater than 12 months. For Term Deposits, this applies to investment terms of 3, 6, 9 and 12 months as well as all term lengths of greater than 12 months.

Return

The principal difference between an ANZ Advance Notice Term Deposit and an ANZ Term Deposit (apart from the interest rate that applies) is that you must provide 31 days’ notice to ANZ if you wish to make an early withdrawal or transfer of all or part of your funds from an ANZ Advance Notice Term Deposit account. Further details are set out in ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB).

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