See What Your Capital Could Earn

Rates from 6% p.a.

Beat Your Bank’s Term Deposit Rate.

For investors with $50,000+, Deposit Desk can connect you with participating providers offering fixed income opportunities from 6% p.a.

Australians added $21.5B to deposits last quarter. Before you lock yours away, compare what else may be available. Source: ABS March 2026

  • Alternatives to traditional term deposits
  • Designed for investments of $50,000+
  • No cost to enquire
  • Confidential and obligation-free
  • Specialist fixed income providers
  • Quick, simple enquiry process

Get Your Rate in 30 Seconds

Free to enquire. No obligation. Takes less than 30 seconds.

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What happens after you enquire?

Tell us how much you are considering placing. Deposit Desk may then introduce you to a participating provider who can explain available fixed income options, rates, terms and risks. You decide whether to proceed. There is no obligation.

Popular Enquiry Types

SMSF cash · Maturing term deposits · Property sale proceeds · Business sale proceeds · Business reserves · Inheritances · Personal injury payouts · Stock market exits · Redundancy payouts · Trust/company funds · Insurance payouts · Personal savings

Frequently Asked Questions

The following frequently asked questions are educational and based on publicly available information:

A term deposit is a type of deposit account where you agree to leave your funds untouched for a fixed period in exchange for a fixed rate of interest over that term.
Term deposits commonly range from short terms such as 1, 3 or 6 months through to longer terms such as 12 months, 24 months or more. Available terms can vary between providers and change over time, so it is important to check the latest options before applying.
The minimum deposit amount can vary depending on the provider, product, term and customer type. Some providers allow smaller deposits, while others may require a higher minimum balance to access certain rates.
Yes, generally. Term deposit rates are typically fixed for the agreed term, meaning the rate usually does not change during the term even if market interest rates move up or down.
Early withdrawals may be possible, but they are usually subject to notice periods, provider approval, and interest adjustments or break costs. You should check the early withdrawal rules before opening a term deposit.
Eligible deposits with authorised deposit-taking institutions may be covered by the Australian Government’s Financial Claims Scheme, up to applicable limits. You should confirm whether the specific account and institution are covered before depositing funds.
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