Frequently Asked Questions

Can I access my term deposit early?

Yes. If you decide to withdraw or transfer part or all of the account balance of your term deposit after the grace period has expired but before the maturity date, you can discuss this request with one of our specialists at your local branch or call us on 13 14 22. Any withdrawal outside the grace period or before maturity will be subject to the conditions outlined in our Guide to Heritage Deposit Products.

When you withdraw part or all of your deposit before the end of the term, we will pay a reduced rate of interest on the withdrawn amount. This reduced rate is called the early withdrawal rate. The effect of the early withdrawal rate is to reduce your interest return, on the amount withdrawn, to the early withdrawal rate. 

Early withdrawal rate

The early withdrawal rate is currently 0.10% p.a.

For further information and examples of how the early withdrawal rate will affect your investment refer to the Guide to Heritage Deposit Products.

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Our local Australian contact centre is waiting for you. Call 13 14 22 or if overseas, call +617 4694 9000.