QBANK term deposits

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As of 18 September 2026, QBANK has nine term deposit products tracked by BankMate, over nine terms from 3 months to 5 years. Its highest rate is 5.35% p.a. on the Term Deposit 12 Month for 1 year, 18th of 590 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 22 August 2026.

Best rate: 5.35%; 1 year · Term Deposit 12 Month
Market rank: #18; of 590 12-month deposits
Terms: 9; 9 products
Last change: 22 Aug 2026; 10 changes on record

Rates over time

Best 12-month rate per product

RBA cash rate
Market average · 12-month deposits

What changed

10 changes since 9 Apr 2026

22 Aug 2026
Term Deposit 12 Month · 12 terms up 0.10
- 12-month 5.25 → 5.35
- 12-month 5.10 → 5.20
- 12-month 5.10 → 5.20
- 12-month 5.05 → 5.15
- 12-month 4.90 → 5.00
- 12-month 4.90 → 5.00
- 12-month 4.85 → 4.95
- 12-month 4.70 → 4.80
- 12-month 4.70 → 4.80
- 12-month 4.65 → 4.75
- 12-month 4.50 → 4.60
- 12-month 4.50 → 4.60
+0.10
21 Aug 2026
Term Deposit 3 Month · 12 terms up 0.05
- 3-month 4.85 → 4.90
- 3-month 4.70 → 4.75
- 3-month 4.70 → 4.75
- 3-month 4.65 → 4.70
- 3-month 4.50 → 4.55
- 3-month 4.50 → 4.55
- 3-month 4.45 → 4.50
- 3-month 4.30 → 4.35
- 3-month 4.30 → 4.35
- 3-month 4.25 → 4.30
- 3-month 4.10 → 4.15
- 3-month 4.10 → 4.15
+0.05
21 Aug 2026
Term Deposit 6 Month · 12 terms up 0.10
- 6-month 5.10 → 5.20
- 6-month 4.95 → 5.05
- 6-month 4.95 → 5.05
- 6-month 4.90 → 5.00
- 6-month 4.75 → 4.85
- 6-month 4.75 → 4.85
- 6-month 4.70 → 4.80
- 6-month 4.55 → 4.65
- 6-month 4.55 → 4.65
- 6-month 4.50 → 4.60
- 6-month 4.35 → 4.45
- 6-month 4.35 → 4.45
+0.10
21 Aug 2026
Term Deposit 9 Month · 12 terms cut 0.10
- 9-month 5.40 → 5.30
- 9-month 5.25 → 5.15
- 9-month 5.25 → 5.15
- 9-month 5.20 → 5.10
- 9-month 5.05 → 4.95
- 9-month 5.05 → 4.95
- 9-month 5.00 → 4.90
- 9-month 4.85 → 4.75
- 9-month 4.85 → 4.75
- 9-month 4.80 → 4.70
- 9-month 4.65 → 4.55
- 9-month 4.65 → 4.55
−0.10
12 May 2026
Term Deposit 18 Month · 16 terms up 0.156 days after the RBA rise to 4.35%
- 18-month 4.75 → 4.90
- 18-month 4.75 → 4.90
- 18-month 4.60 → 4.75
- 18-month 4.60 → 4.75
- 18-month 4.55 → 4.70
- 18-month 4.55 → 4.70
- 18-month 4.40 → 4.55
- 18-month 4.40 → 4.55
- 18-month 4.35 → 4.50
- 18-month 4.35 → 4.50
- 18-month 4.20 → 4.35
- 18-month 4.20 → 4.35
- 18-month 4.15 → 4.30
- 18-month 4.15 → 4.30
- 18-month 4.00 → 4.15
- 18-month 4.00 → 4.15
+0.15
12 May 2026
Term Deposit 24 Month · 16 terms up 0.156 days after the RBA rise to 4.35%
- 24-month 4.65 → 4.80
- 24-month 4.65 → 4.80
- 24-month 4.50 → 4.65
- 24-month 4.50 → 4.65
- 24-month 4.45 → 4.60
- 24-month 4.45 → 4.60
- 24-month 4.30 → 4.45
- 24-month 4.30 → 4.45
- 24-month 4.25 → 4.40
- 24-month 4.25 → 4.40
- 24-month 4.10 → 4.25
- 24-month 4.10 → 4.25
- 24-month 4.05 → 4.20
- 24-month 4.05 → 4.20
- 24-month 3.90 → 4.05
- 24-month 3.90 → 4.05
+0.15

Show 4 earlier changes

12 May 2026
Term Deposit 3 Month · 12 terms up 0.156 days after the RBA rise to 4.35%
- 3-month 4.70 → 4.85
- 3-month 4.55 → 4.70
- 3-month 4.55 → 4.70
- 3-month 4.50 → 4.65
- 3-month 4.35 → 4.50
- 3-month 4.35 → 4.50
- 3-month 4.30 → 4.45
- 3-month 4.15 → 4.30
- 3-month 4.15 → 4.30
- 3-month 4.10 → 4.25
- 3-month 3.95 → 4.10
- 3-month 3.95 → 4.10
+0.15
12 May 2026
Term Deposit 6 Month · 12 terms up 0.156 days after the RBA rise to 4.35%
- 6-month 4.95 → 5.10
- 6-month 4.80 → 4.95
- 6-month 4.80 → 4.95
- 6-month 4.75 → 4.90
- 6-month 4.60 → 4.75
- 6-month 4.60 → 4.75
- 6-month 4.55 → 4.70
- 6-month 4.40 → 4.55
- 6-month 4.40 → 4.55
- 6-month 4.35 → 4.50
- 6-month 4.20 → 4.35
- 6-month 4.20 → 4.35
+0.15
12 May 2026
Term Deposit 9 Month · 12 terms up 0.206 days after the RBA rise to 4.35%
- 9-month 5.20 → 5.40
- 9-month 5.05 → 5.25
- 9-month 5.05 → 5.25
- 9-month 5.00 → 5.20
- 9-month 4.85 → 5.05
- 9-month 4.85 → 5.05
- 9-month 4.80 → 5.00
- 9-month 4.65 → 4.85
- 9-month 4.65 → 4.85
- 9-month 4.60 → 4.80
- 9-month 4.45 → 4.65
- 9-month 4.45 → 4.65
+0.20
12 May 2026
Term Deposit 12 Month · 12 terms up 0.156 days after the RBA rise to 4.35%
- 12-month 5.10 → 5.25
- 12-month 4.95 → 5.10
- 12-month 4.95 → 5.10
- 12-month 4.90 → 5.05
- 12-month 4.75 → 4.90
- 12-month 4.75 → 4.90
- 12-month 4.70 → 4.85
- 12-month 4.55 → 4.70
- 12-month 4.55 → 4.70
- 12-month 4.50 → 4.65
- 12-month 4.35 → 4.50
- 12-month 4.35 → 4.50
+0.15

Term deposits

Best rate per product, by term · ranked within each term

Term Deposit 12 Month
interest at maturity or monthly · from $2,000 · 1 term
1 yr 5.35%
5.35%#18 of 590
Term Deposit 9 Month
interest at maturity or monthly · from $2,000 · 1 term
9 mo 5.30%
5.30%#4 of 500
Term Deposit 6 Month
interest at maturity or monthly · from $2,000 · 1 term
6 mo 5.20%
5.20%#13 of 547
Term Deposit 18 Month
interest annually or at maturity or monthly · from $2,000 · 1 term
18 mo 4.90%
4.90%#9 of 122
Term Deposit 3 Month
interest at maturity or monthly · from $2,000 · 1 term
3 mo 4.90%
4.90%#43 of 369
Term Deposit 24 Month
interest annually or at maturity or monthly · from $2,000 · 1 term
2 yr 4.80%
4.80%#133 of 394
Term Deposit 36 Month
interest at maturity or annually or monthly · from $2,000 · 1 term
3 yr 4.15%
4.15%#168 of 345
Term Deposit 48 Month
interest annually or at maturity or monthly · from $2,000 · 1 term
4 yr 4.15%
4.15%#60 of 157
Term Deposit 60 Month
interest annually or at maturity or monthly · from $2,000 · 1 term
5 yr 4.15%
4.15%#45 of 152

Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits

Notes on QBANK term deposits

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