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ANZ Advance Notice
Term Deposit

With an ANZ Advance Notice Term Deposit, you can enjoy the certainty of a fixed rate of interest over the investment term of your choice.


You’ll need to provide 31 days' advance notice if you want to withdraw funds before the end of the term.disclaimerdisclaimer

Apply online

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Term deposit rates

Features and benefits

Calculator

How to apply

Interest ratesdisclaimer

Special offer

8 months

Earn  interest on ANZ Advance Notice Term Deposits with an 8 month term. Available for newly opened or renewed Advance Notice Term Deposit accounts.

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

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 about ANZ Advance Notice Term Deposit interest rates 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.

Features
and benefits

 

  • A range of rates
  • Various terms available
  • No account service fees
  • Secure your savings
  • Government protection

ANTD Features and Benefits

A range of rates

With an ANZ Advance Notice Term Deposit, you can enjoy a competitive fixed interest rate for your chosen investment term.disclaimer

Secure your savings

Locking away your savings could prevent frequent withdrawals. This could be a strategic way to grow your savings over time.

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.disclaimer

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.

No account service fees

Enjoy the benefits of an ANZ Advance Notice Term Deposit with no set-up costs or monthly account service fees.disclaimer Note that fees and charges will apply for early withdrawals.disclaimer

 

How much could you earn?

See how much you could earn on different terms and interest rates with our ANZ Advance Notice Term Deposit calculator.

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.

How to apply

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

Eligibility criteria:

  • 12 years or older 
  • An Australian residential address
  • Minimum investment of $5,000
  • An ANZ everyday or ANZ savings account
  • This account is for personal use

Apply for ANZ Advance Notice Term Deposit

Existing ANZ 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 Advance Notice 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

What is the difference between short and long term deposits?

Short vs long term deposit
  Short Term deposit Long Term deposit

Term

Usually less than 1 year

1 year to 5 years

Interest rate

 Generally offers a lower interest rate

Usually offers a higher interest rate

Flexibility

 Gives you greater flexibility. When the term ends you can choose to re-invest (“roll over”), top up or withdraw the funds. Less flexible, as your funds are locked in for a longer period. 

Interest payment options

Generally paid at maturity (in some cases we may also offer monthly, quarterly or half-yearly interest payment options on selected terms of less than 12 months – as per the terms and conditions).

 For term deposits of 12 months or more, interest may be paid monthly, quarterly, half-yearly or yearly, with an additional final interest payment upon maturity, if applicable – as stated in our terms and conditions.
Best for Short term goals such as buying a car, saving for a holiday or if you may need to access your money sooner Long term saving plans such as a deposit for a home or retirement savings

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.
  • Generally comes with a lower interest rate.
  • You can elect to have the interest paid into your bank account each month for a boost to your monthly budget.
  • Interest is paid all at once when your term comes to an end.
  • Will often come with a slightly higher interest rate.
  • At the end of the term, you’ll receive the full amount. 

The minimum investment amount for an ANZ Advance Notice Term Deposit is $5,000.

Will I be allowed to break the ANZ Advance Notice Term Deposit to meet unexpected expenses or manage emergency situation? 

ANZ Advance Notice Term Deposits are suitable for customers who do not have a foreseeable need to access their funds prior to maturity. However, if you are facing hardship, you will need to submit an online application to ANZ’s dedicated Hardship team for our assessment.

Yes. ANZ will send you a Record of Confirmation outlining your break request with your investment and disbursement details. If you cancel your break notice, ANZ will send you a Record of Cancellation to confirm your break notice cancellation.

A break request can be cancelled up to two business days prior to the completion of the 31 day notice period (disbursement date). If the details of your break request need to be changed after the request has been submitted, you will need to cancel the break request and submit a new request. This will reset the 31 day notice period to start again.

Will I continue to earn interest during the 31 days notice period on my ANZ Advance Notice Term Deposit?

Yes, your funds will earn interest during the notice period. 

Can I provide notice for longer than 31 days on my ANZ Advance Notice Term Deposits?

Once notice is received, ANZ will calculate the date on which the funds will be available. This cannot be extended. However, if the day of disbursement falls on a non-business day then the funds will be disbursed on or before the next business day.

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 perioddisclaimer ends, any request for an early withdrawal or transfer of all or part of your funds in your 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.

Rollover instructions are required at account opening for an ANZ Advance Notice Term Deposit. You have a choice to rollover your ANZ Advance Notice Term Deposit or disburse your funds at maturity. Your instructions can be changed at any time prior to maturity.

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

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

An ANZ Advance Notice Term Deposit has a 31 day notice period and is a different product to an ANZ Term Deposit. 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

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.

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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