RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Term Deposit

A Term Deposit which offers a fixed rate for terms up to 36 months.
Category: Term Deposits  Last Updated December 18, 2025  Effective December 22, 2025

Product Features

  • Other Additional Information: A certificate account only
  • Digital Banking Additional Information: View only access
  • Notifications
  • Other Additional Information: Early redemption - 31 calendar days notice required

Product Eligibility

  • Residency Status - Australian Citizen Or A Permanent Resident Of Australia Or Otherwise Approved.
  • Business Additional Information: A domestic business with an ABN or ACN where relevant (e.g. company, sole trader, partnership, association, trust)
  • Natural Person Additional Information: Available for personal use

Bank Fees and Charges

  • Cheque Dishonour (Event), Amount: 9.00. Additional Information: Payable when a cheque drawn by you or deposited by you that has not been accepted by us or another financial institution.
  • Direct Entry Dishonour (Event), Amount: 9.00. Additional Information: Payable when a direct entry (inward and outward) is dishonoured.
  • Document Fee (Event), Amount: 60.00. Additional Information: $60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase.
  • Financial Institution Cheque (Event), Amount: 2.50. Additional Information: Payable when you request us to issue a financial institution cheque.
  • Miscellaneous Service Fee (Event), Amount: 60.00. Additional Information: $60.00 per hour. Payable if you request information not covered by the Document Fee.
  • Overseas Telegraphic Transfer (outward) - Australian Currency (Event), Amount: 50.00. Additional Information: Payable if we assist you send funds electronically overseas in Australian dollars.
  • Overseas Telegraphic Transfer (outward) - Foreign Currency (Event), Amount: 30.00. Additional Information: Payable if we assist you send funds electronically overseas in a foreign currency.
  • Physical Foreign Currency (Transaction), Amount: Not Listed.. Additional Information: 1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased.
  • Unclaimed Monies Fee (Variable), Amount: 20.00. Additional Information: The lessor $20.00 or account balance. Payable when an account is classified as dormant.
  • Reference Fee (Event), Amount: 9.00. Additional Information: Payable each time the account becomes overdrawn without our prior agreement.

 Limitations & Restrictions (Constraints)

  • Opening Balance of 1000.00 Additional Information: Minimum opening balance $1,000.00
  • Min Balance of 1000.00 Additional Information: Minimum balance $1,000.00

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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