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Updated October 21, 2026 · SumCue Editorial Team

Top fixed-rate bonds and term deposits compared in Australia

25 providers available in Australia, ranked for Australia.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top fixed-rate bonds and term deposits compared in Australia
OrderProviderScoreFeaturesKey factsActions
1
Afranga logo
AfrangaTop pickPartner
8.8/10
  • Low fees
Headline rate:
8% to 10%
Term:
3 to 12 months
Rate type:
Fixed
ReviewCompareVisit
2
NLB Banka Kosova logo
NLB Banka KosovaPartner

NLB Depozita me afat: Bonus up to 200 EUR

9.2/10
  • Fixed rate
Term:
120 months
Rate type:
Fixed
Access terms:
No withdrawal before maturity; early withdrawal loses all interest; automatic renewal after the term
ReviewCompareSee alternatives
3
IDBank logo
IDBankPartner
8.9/10
  • No monthly fee
  • Fixed rate
  • Rewards
Headline rate:
9.05%
Term:
3 to 15 months
Rate type:
Fixed
ReviewCompareSee alternatives
4
Nordea logo
NordeaPartner
8.8/10
  • No annual fee
  • Travel
Headline rate:
0.4% to 3%
Term:
12 to 144 months
Rate type:
Fixed
ReviewCompareSee alternatives
5
Priorbank logo
PriorbankPartner
8.7/10
  • No annual fee
  • Rewards
Headline rate:
4% to 12.8%
Term:
6 to 38 months
Rate type:
Fixed
ReviewCompareSee alternatives
6
Toss logo
TossPartner

키워봐요 31일적금 (Save-up 31-day savings): Up to 10% p.a. (base 1% p.a.)

8.6/10
  • Fixed rate
  • Travel
Headline rate:
1% to 10%
Term:
1 month
Rate type:
Fixed
ReviewCompareSee alternatives
7
Bank of Scotland DE logo
Bank of Scotland DEPartner

Bank of Scotland DE is an online direct bank for Germany offering a free overnight money account and fixed-term deposits.

8.5/10
    Headline rate:
    3%
    Account kind:
    Easy access
    Headquarters:
    Germany
    		ReviewCompareSee alternatives
    8
    Santander Lokaty PL logo
    Santander Lokaty PLPartner

    Santander Lokaty PL is Santander Consumer Bank in Poland, offering online deposits and a savings account alongside loans and credit cards.

    		8.5/10
    • No monthly fee
    Headline rate:
    3.6%
    Rate type:
    Variable
    Access terms:
    no minimum or maximum balance on the account
    		ReviewCompareSee alternatives
    9
    Bigbank FI logo
    Bigbank FIPartner

    Finnish arm of Bigbank offering a savings account and fixed-term deposits, as well as vehicle and product financing.

    		8.5/10
    • No monthly fee
    Headline rate:
    2.5%
    Account kind:
    Easy access
    Support channels:
    Email, Phone
    		ReviewCompareSee alternatives
    10
    Santander Consumer Bank BE logo
    Santander Consumer Bank BEPartner

    Santander Consumer Bank BE is a Belgian bank offering savings accounts and term accounts online.

    		8.0/10
    • No monthly fee
    		ReviewCompareSee alternatives

    Other rankings

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    Other countries

    Afranga

    Afranga

    Top pick for Australia

    8.8/10Visit