--- title: "Term Deposit — BankSA" description: "Term Deposits from BankSA. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/banksa/products/BSATDTermDeposit source: "CDR Compare" language: en-AU last_updated: 2026-10-08T04:47:18Z --- # Term Deposit — BankSA > Term Deposits from BankSA. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Term Deposits** Get a fixed interest rate for your fixed term investment. ## At a glance - **Fixed rate:** 5.2% (1 year) - **Bonus rate:** 0.1% (conditions apply) ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Fixed · 1 month (Interest paid at maturity · Minimum deposit amount) | 1.4% | 1 Month | at maturity | | Fixed · 2 months (Interest paid at maturity · Minimum deposit amount) | 1.65% | 2 Months | at maturity | | Fixed · 3 months (Interest paid at maturity · Minimum deposit amount) | 3.25% | 3 Months | at maturity | | Fixed · 4 months (Interest paid at maturity · Minimum deposit amount) | 3.4% | 4 Months | at maturity | | Fixed · 5 months (Interest paid at maturity · Minimum deposit amount) | 3.45% | 5 Months | at maturity | | Fixed · 6 months (Interest paid at maturity · Minimum deposit amount) | 3.4% | 6 Months | at maturity | | Fixed · 7 months (Minimum deposit amount) | 3.55% | 7 Months | at maturity | | Fixed · 8 months (Minimum deposit amount) | 3.6% | 8 Months | at maturity | | Fixed · 9 months (Minimum deposit amount) | 3.65% | 9 Months | at maturity | | Fixed · 10 months (Minimum deposit amount) | 3.7% | 10 Months | at maturity | | Fixed · 11 months (Minimum deposit amount) | 3.75% | 11 Months | at maturity | | Fixed · 1 year (Minimum deposit amount) | 4.75% | 12 Months | at maturity | | Fixed · 2 years (Minimum deposit amount) | 4.5% | 24 Months | at maturity | | Fixed · 3 years (Minimum deposit amount) | 4% | 36 Months | at maturity | | Fixed · 4 years (Minimum deposit amount) | 4% | 48 Months | at maturity | | Fixed · 5 years (Minimum deposit amount) | 4% | 60 Months | at maturity | | Fixed · 6 months (Minimum deposit amount) | 3.35% | 6 Months | monthly | | Fixed · 7 months (Minimum deposit amount) | 3.5% | 7 Months | monthly | | Fixed · 8 months (Minimum deposit amount) | 3.55% | 8 Months | monthly | | Fixed · 9 months (Minimum deposit amount) | 3.6% | 9 Months | monthly | | Fixed · 10 months (Minimum deposit amount) | 3.65% | 10 Months | monthly | | Fixed · 11 months (Minimum deposit amount) | 3.7% | 11 Months | monthly | | Fixed · 1 year (Minimum deposit amount) | 4.7% | 12 Months | monthly | | Fixed · 13 months (Minimum deposit amount) | 4.7% | 13 Months | monthly | | Fixed · 2 years (Minimum deposit amount) | 4.45% | 24 Months | monthly | | Fixed · 3 years (Minimum deposit amount) | 3.95% | 36 Months | monthly | | Fixed · 4 years (Minimum deposit amount) | 3.95% | 48 Months | monthly | | Fixed · 5 years (Minimum deposit amount) | 3.95% | 60 Months | monthly | | Fixed · 1 year (Minimum deposit amount) | 4.7% | 12 Months | every 6 months | | Fixed · 13 months (Minimum deposit amount) | 4.7% | 13 Months | every 6 months | | Fixed · 2 years (Minimum deposit amount) | 4.45% | 24 Months | every 6 months | | Fixed · 3 years (Minimum deposit amount) | 3.95% | 36 Months | every 6 months | | Fixed · 4 years (Minimum deposit amount) | 3.95% | 48 Months | every 6 months | | Fixed · 5 years (Minimum deposit amount) | 3.95% | 60 Months | every 6 months | | Fixed · 1 year (12 month offer available for a limited time only on Term Deposits opened or renewed by existing BankSA personal or business customers. · Minimum deposit amount) | 5.2% | 12 Months | at maturity | | Bonus · 1 year (PLUS, an additional 0.10% p.a. online bonus offer2 when you open or renew online · Online only) | 0.1% | — | at maturity | ## Features - **Offers available on Term Deposits opened or renewed by existing BankSA personal or business customers. Available on deposits of $1,000-$2,000,000 with interest paid monthly or at maturity depending on term. T&Cs Apply.** - **Predictable earnings: With a fixed interest rate, you?ll know exactly how much you?re going to earn over your choice of fixed term.** - **Online bonus rates: Logon to check if you qualify for higher rates than those featured. You'll get an extra 0.10% p.a. for opening or renewing online.** - **Secured savings: Avoid the temptation to dip into your savings, by locking your investment away for a fixed length of time.** - **Options at maturity: Choose whether to withdraw funds or reinvest them, providing your instructions online or in the app.** - **Open a Term Deposit with as little as $1000 and pay no set up or monthly fees. Rates featured are available on deposits of up to $2000000.** - **When you open a BankSA Term Deposit, your money will be looked after by an Australian banking group that dates back over 200 years. Plus, combined balances up to $250,000 per account holder are guaranteed by the Australian Government under its Financial Claims Scheme.** - **Business customers are eligible to open an account and can open account either by Branch, Phone, online.** - **Opening Confirmation, Maturity, Reinvestment and Repayment advices are sent as regular advices** - **Choice of terms ranges from 1 to 60 months** - **Fraud protection** (The product includes limited fraud protection features.) - **Relationship management** (Relationship management is available for eligible customers.) - **Digital banking** (Internet Banking, Phone Banking, Branch banking , Bank@Post options are available) - **Interest payment options are available** ## Eligibility - **Minimum age** — 14 years (The following restrictions apply if the Account holder is under the age of 14: the Account must be opened in the minor's name, by a parent, guardian, or grandparent) - **Residency status** — Australian Permanent Resident - **Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check for bonus rates and manage your Term Deposit online.** - **Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).** ## Constraints - **Minimum balance** — $1,000.00 (Minimum Opening Balance) - **Maximum balance** — $2,000,000.00 (Maximum Balance) - **You must provide a minimum of 31 days notice to access funds prior to maturity (except in cases of hardship). If the deposit or any part of it is withdrawn early, an interest rate adjustment will usually apply.** ## More information from BankSA - [Overview](https://www.banksa.com.au/personal/bank-accounts/term-deposits) - [Terms & conditions](https://www.banksa.com.au/content/dam/bsa/downloads/personal/Term_Deposits_TandC.pdf) - [Eligibility](https://www.banksa.com.au/personal/bank-accounts/term-deposits) - [Fees & pricing](https://www.banksa.com.au/personal/bank-accounts/term-deposits) ## Data provenance - Published by BankSA under the Consumer Data Right - Product ID: `BSATDTermDeposit` - Last updated by the provider: 8 October 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/banksa/BSATDTermDeposit - Provider page: https://www.cdrcompare.au/brands/banksa - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000141 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/banksa/products/BSATDTermDeposit) — product data published by Australian data holders under the Consumer Data Right. 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