ANZ Fixed Term Deposit Rates: The Full Table and the Notice Period Most Pages Skip

Most comparison sites lead with ANZ’s headline 12-month rate and stop there. This guide covers ANZ fixed term deposit rates in full: the complete rate table, a 31-day notice requirement most pages barely mention, and a completely separate ANZ New Zealand product that shows up in similar searches. Here’s the full picture.

Quick Answer: ANZ Fixed Term Deposit Rates

ANZ fixed term deposit rates for individuals sit under a product called the Advance Notice Term Deposit. As of August 2026, rates range from 1.40% per annum on a 1-month term up to 5.30% per annum on 12 months, tapering back down to 4.00% per annum on longer 4 and 5-year terms. The minimum deposit is $5,000. So, unlike some other banks, ANZ requires 31 days’ notice before releasing an early withdrawal, plus a $30 admin fee. This guide covers the full ANZ fixed term deposit rates table, that notice mechanic, and how to avoid mixing this up with ANZ New Zealand’s separate rates.

The Full ANZ Fixed Term Deposit Rates Table

• Short terms sit well below the headline rate. A 1-month term earns 1.40% per annum. A 2-month term earns 1.65% per annum, both far under the 12-month figure most pages advertise.
• The best rate is at 12 months. A 12-month term earns up to 5.30% per annum. The exact figure varies slightly, from 5.18% to 5.30%, depending on how often interest is paid.
• The 3 and 6-month terms sit in the middle. A 3-month term earns 3.35% per annum and a 6-month term earns 5.10% per annum. That’s a useful comparison point if 12 months feels too long to lock in.
• Longer terms actually pay less. A 24-month term earns 5.00% per annum. A 36-month term earns 4.60% per annum, and both 48 and 60-month terms sit at 4.00% per annum.
• The minimum deposit across these standard terms is $5,000. So, ANZ’s standard tier caps out at $100,000 before different terms and conditions may apply.

Why ANZ Calls It the Advance Notice Term Deposit

• This isn’t a standard term deposit name by accident. ANZ’s product for individuals is officially branded the Advance Notice Term Deposit. That name reflects a real difference in how you access your money early.
• You need 31 days’ notice for an early withdrawal. So, if you want your money back before the term ends, you can’t just walk in and withdraw it that day like some competitors allow.
• A $30 administration fee applies on top. This sits on top of any interest reduction ANZ applies for breaking the term early. Factor both into your decision before locking funds away.
• No notice is needed at maturity. So, once your term ends, your funds return to you automatically. They follow whatever rollover instructions you set when you opened the account.

Don’t Confuse This With ANZ New Zealand’s Rates

• ANZ operates as a separate bank in New Zealand with its own rate table. So, if a search result shows notably different rates next to a New Zealand dollar figure, you’re likely looking at the wrong country’s product.
• The two brands look nearly identical in search results. This makes it genuinely easy to land on ANZ New Zealand’s term deposit page while searching for ANZ Australia’s rates.
• Always confirm the currency and domain before comparing rates. So, ANZ Australia’s official rates live on anz.com.au, not any New Zealand-specific domain.
• This mix-up matters because the rates genuinely differ. Comparing ANZ Australia’s 12-month rate against ANZ New Zealand’s figure gives you a false read on where ANZ Australia actually sits.

Short Term vs Long Term: Which Makes Sense

• Short terms suit cash you’ll need soon. If you might need the money within a few months, the 1 to 3-month terms avoid the 31-day notice hassle at the cost of a lower rate.
• 12 months currently offers the best return. So, if you can commit funds for a year, this term captures ANZ’s highest advertised rate right now.
• Longer terms don’t reward you for locking in further. The 24, 36, 48, and 60-month rates all sit below the 12-month rate. There’s little upside to committing beyond a year with ANZ specifically.
• Compare against other banks before committing. So, ANZ’s 12-month rate is competitive, but always check current rates elsewhere since pricing shifts regularly.

For related reading, see our guides to St George Term Deposit Rates: The Full Table, Verified Against Three Conflicting Sources and Judo Bank Term Deposit Rates: The Full Table and Why It’s Shaped This Way.

FAQ: ANZ Fixed Term Deposit Rates

What is ANZ’s current 12-month term deposit rate?
Up to 5.30% per annum as of August 2026, varying from 5.18% to 5.30% depending on interest payment frequency.

What is the minimum deposit for an ANZ term deposit?
$5,000 for ANZ’s standard Advance Notice Term Deposit tier, with a $100,000 cap before different terms may apply.

Can I withdraw an ANZ term deposit early?
Yes, but ANZ requires 31 days’ notice plus a $30 administration fee, and an interest reduction may also apply.

Does ANZ automatically roll over my term deposit at maturity?
Yes, your funds are handled according to the rollover instructions you set when opening the account, with no notice required at maturity itself.

Are ANZ Australia and ANZ New Zealand term deposit rates the same?
No. They’re separate products with separate rate tables, so always confirm you’re viewing anz.com.au and Australian dollar figures, not a New Zealand equivalent.

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