BankMate

Bank of Sydney term deposits

Bank of Sydney has one term deposit that BankMate tracks, with 12 options: 11 terms from 3 months to 13 months, interest paid at maturity or monthly.

Term deposit · 11 terms

Term Deposit

5.30%p.a. · 1 year

interest at maturity or monthly; from $1,000

52nd of 401 12-month deposits

Go to Bank of Sydney

Rates by term and how interest is paid

  • At maturity4.40%
  • Monthly–
Terms
3 months to 13 months
Minimum deposit
$1,000
Maximum deposit
No cap published
To break it early
8 days' notice
Compare all 294 term deposits
Compare Bank of Sydney side by side

3 months
4.40% · #71 of 164 3-month deposits
4 months
3.50% · #57 of 88 4-month deposits
5 months
3.50% · #51 of 79 5-month deposits
6 months
5.20% · #36 of 180 6-month deposits
7 months
3.70% · #51 of 92 7-month deposits
8 months
3.70% · #37 of 81 8-month deposits
9 months
4.00% · #74 of 149 9-month deposits
10 months
3.80% · #31 of 86 10-month deposits
1 year
5.30% · #52 of 401 12-month deposits

Minimum deposit
$1,000
Maximum deposit
No cap published

Paid
At maturity or Monthly
Compounding
daily or monthly

Notice
8 days' notice
Before maturity
you will need to provide Bank of Sydney at least 8 calendar days' advance notice to withdraw your funds prior to maturity, except in the case of hardship. … Early repayments attract an administration fee and a reduction in the return generated for your Term Deposit. … Percentage of Time Remaining / Interest Rate Reduction: 0% to less than 20% 20%; 20%–<40% 40%; 40%–<60% 60%; 60%–<80% 80%; 80% to less than 100% 90%. … Early Withdrawal Fee … $30.00
Read from
Bank of Sydney's own site, 28 October 2026

October 20262 changes

  1. 17Sat
    • 12-month, paid monthly: 5.00 → 5.1017 days after the RBA rise to 4.60%
      +0.10
  2. 5Mon
    • 2 terms up 0.205 days after the RBA rise to 4.60%
      6-month, paid at maturity5.005.20+0.20
      12-month, paid at maturity5.105.30+0.20
      +0.20

May 20261 change

  1. 9Sat
    • 12-month up 0.103 days after the RBA rise to 4.35%
      12-month, paid at maturity5.005.10+0.10
      12-month, paid monthly4.905.00+0.10
      +0.10

Get a guaranteed return on money that you aren’t using right now with a term deposit.

Notes on Bank of Sydney term deposits

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As of 1 November 2026, Bank of Sydney has one term deposit product tracked by BankMate, over 11 terms from 3 months to 13 months. Its highest rate is 5.30% p.a. on the Term Deposit for 1 year, 52nd of 401 12-month deposits — a term deposit rate means nothing without its term, so each deposit is ranked only against others of the same term. Its rates last changed on 17 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.