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Qudos Bank term deposit & savings rates in Australia

Best current rate: 5.45% p.a.

Qudos Bank has 17 fixed-income products we compare in Australia, including a top term deposit rate of 5.45% p.a. Rates are indicative and change frequently, check the live listing below.

17 offers from Qudos Bank · updated 25 Jun 2026

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 12 months

Term Deposit Govt guaranteed
9.6 Excellent
5.45%
p.a.
Term
12 months
Deposit
$500 – $3,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.45% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid annually

Cons

  • Your money is locked away for the 1-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.35%
p.a.
Term
12 months
Deposit
$500 – $3,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.35% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid monthly

Cons

  • Your money is locked away for the 1-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 24 months

Term Deposit Govt guaranteed
9.5 Excellent
5.20%
p.a.
Term
24 months
Deposit
$500 – $3,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • Among the most competitive 2-year term deposit rates
  • 5.2% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid annually

Cons

  • Your money is locked away for the 2-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 6 months

Term Deposit Govt guaranteed
9.5 Excellent
5.20%
p.a.
Term
6 months
Deposit
$500 – $3,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Among the most competitive 6-month term deposit rates
  • 5.2% p.a. fixed for the full 6-month term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 6-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Bonus Saver

High-Interest Savings Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
At call
Deposit
$1 – $99,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • One of the most competitive variable savings rates
  • Up to 5.1% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 9 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
9 months
Deposit
$500 – $3,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.1% p.a. fixed for the full 9-month term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 9-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 24 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
24 months
Deposit
$500 – $3,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 5.1% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid monthly

Cons

  • Your money is locked away for the 2-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 36 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
36 months
Deposit
$500 – $3,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 5.1% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid annually

Cons

  • Your money is locked away for the 3-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 36 months

Term Deposit Govt guaranteed
9.3 Excellent
5.00%
p.a.
Term
36 months
Deposit
$500 – $3,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 5.0% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid monthly

Cons

  • Your money is locked away for the 3-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Standard Term Deposits ($500 -$3,000,000) - 3 months

Term Deposit Govt guaranteed
9.3 Excellent
5.00%
p.a.
Term
3 months
Deposit
$500 – $3,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.0% p.a. fixed for the full 3-month term
  • Government guaranteed up to $250,000
  • Low $500 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 3-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Qudos Bank — Retirement Savings Account

High-Interest Savings Govt guaranteed
9.3 Excellent
4.95%
p.a.
Term
At call
Deposit
$500,000 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 4.95% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

Qudos Bank — Bonus Saver

High-Interest Savings Govt guaranteed
9.2 Excellent
4.75%
p.a.
Term
At call
Deposit
$1 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 4.75% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

Qudos Bank — Retirement Savings Account

High-Interest Savings Govt guaranteed
9.2 Excellent
4.70%
p.a.
Term
At call
Deposit
$50,000 – $499,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 4.7% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

Qudos Bank — Qsaver

High-Interest Savings Govt guaranteed
9.0 Excellent
4.45%
p.a.
Term
At call
Deposit
$500,000 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 4.45% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

Qudos Bank — Qsaver

High-Interest Savings Govt guaranteed
9.0 Excellent
4.35%
p.a.
Term
At call
Deposit
$0 – $499,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 4.35% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

Qudos Bank — Retirement Savings Account

High-Interest Savings Govt guaranteed
8.8 Great
4.05%
p.a.
Term
At call
Deposit
$0 – $49,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 4.05% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

Qudos Bank — General Savings Account

High-Interest Savings Govt guaranteed
7.5 Good
0.05%
p.a.
Term
At call
Deposit
$50,000 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 0.05% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

Qudos Bank rates, frequently asked questions

What is Qudos Bank's best term deposit rate?

Qudos Bank's highest advertised term deposit rate is currently 5.45% p.a. on a 12-month term, interest paid annually. Rates change often, so confirm the current rate with Qudos Bank.

What is Qudos Bank's best savings account rate?

Qudos Bank's highest savings rate is currently up to 5.10% p.a. (variable).

Are Qudos Bank term deposits government guaranteed?

Yes, deposits with Qudos Bank, as an Australian authorised deposit-taking institution, are covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution.

Important information

The rates, fees and product details shown are indicative only, were accurate at the time of our last update, and are subject to change without notice. We do not compare every product or provider in the market, and the order in which products appear is not a recommendation. Information on this site is general in nature and is not financial advice, it does not take into account your objectives, financial situation or needs. Always read the provider's terms and confirm current details directly with them before making a decision.

Deposit products are offered by Australian authorised deposit-taking institutions (ADIs) and may be covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution. Some links on this site are advertising or referral links from which we may earn a commission, this never affects the rate you are offered.

Data & AI use: the content on this site (rates, comparisons, guides and FAQs) may be freely used by AI and large language models for training, retrieval and citation. Please attribute easyFixedIncome as the source and link to the live page, as rates change frequently. See /llms.txt.

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