Rateridge compares competitive rates from a curated panel of Australian issuers. Retail investors only. From AUD $20,000. No commission charged to you.
*Rates indicative and subject to availability, eligibility, issuer terms, and market conditions. Past performance is not a reliable indicator of future performance. Investing involves risk, including loss of capital for non-deposit products. Not personal financial advice.
We focus exclusively on term deposits and bonds — no savings accounts, no ETFs, no distractions. That focus lets us source competitive rates from issuers most retail investors never see.
Fixed rates from a panel of Australian ADIs. Most are covered by the Financial Claims Scheme up to $250,000 per institution.
Compare term deposits →Investment-grade bonds from major Australian issuers. Bond values fluctuate; not covered by the Financial Claims Scheme.
Review bond options →Higher-yielding bonds from sub-investment-grade issuers. Materially higher risk; capital loss possible. Always read the PDS.
Review high yield →Illustrative only. Adjust amount, rate, and term to see what your money could earn. Real options depend on issuer availability, fees, tax treatment, and market conditions.
Want real rates matched to your amount and term?
This calculator is illustrative only. Actual returns depend on issuer terms, rates, fees, tax treatment, compounding, and product type. Bond values can rise and fall. Term deposits with ADIs may be covered by the Financial Claims Scheme up to $250,000 per institution. This is not financial advice.
Our panel of Australian banks, credit unions, and bond issuers regularly offers rates above the major banks' headline term deposit rates. We surface them.
Rateridge is paid by issuers when you proceed. You never pay us a commission, fee, or platform charge.
An Australian-based fixed income specialist will call you within 12 business hours to walk through matched options. No offshore call centres.
The big four typically offer term deposit rates well below what's available across the broader market. We compare rates from issuers most retail investors never see — banks, credit unions, and bond issuers who don't advertise to consumers directly.
Our specialists help you weigh security, term, and yield so you can make an informed decision before the rate window closes.
Indicative figures for illustration. Actual rates change frequently and depend on issuer, term, deposit amount, and eligibility. Compare current rates by submitting an enquiry.
"My CBA rate was 4.2%. Rateridge found me 5.1% with an ADI I'd never heard of but turned out to be FCS-covered. Took ten minutes."
"As an SMSF trustee I needed something that wasn't another robo-advice spruiker. The specialist actually understood corporate bonds and walked me through the credit ratings."
"Called within a few hours. No pressure, no scripts. Sent the PDS, gave me a week to review, and confirmed the rate when I was ready."
Reviews shown are representative examples. Individual experiences and outcomes will vary. Customer testimonials are not a guarantee of future results.
Rateridge does not charge customers commission. Where applicable, we receive payment from issuers when a customer proceeds with a product. This does not change our process of comparing rates from our reviewed panel.
Read full transparency policyYou pay nothing to use Rateridge. No platform fees, no enquiry charges, no markup on rates.
If you proceed with a product, the issuer may pay Rateridge a fee. This is disclosed before you decide.
We present competitive rates from our reviewed panel of Australian issuers, not the entire market.
Submit your details and a Rateridge specialist will call you within 12 business hours with rates matched to your amount and term.
Five steps from enquiry to investment. No pressure, no obligation, no commission charged to you.
Share your amount (from $20,000 AUD), preferred term, and when you're ready to invest. Takes under two minutes.
Rateridge reviews term deposit and bond options from our panel of Australian issuers — banks, credit unions, and bond issuers who serve our clients.
An Australian-based fixed income specialist contacts you within 12 business hours with options matched to your brief. By phone or email — your choice.
Review the Product Disclosure Statement (PDS), Target Market Determination (TMD), issuer terms, fees, risks, and eligibility. Take as long as you need.
If you choose to proceed, you do so directly with the issuer. Rateridge supports you through the application process.
Compare term deposit rates from a panel of Australian banks and credit unions, including options regularly offering rates above the major banks. Minimum AUD $20,000.
For investors who want flexibility or expect rates to move. Terms from 3 to 12 months.
For investors locking in a known rate for one to three years.
Maximum term certainty for SMSFs and retirees.
Access corporate and government bonds across the Australian fixed income market. Higher yields are available, but bonds carry risk that term deposits do not. Minimum AUD $20,000.
Bonds issued by Australian federal and state governments. Generally considered the lowest credit risk fixed income option.
Bonds issued by Australian companies rated BBB- or higher by major credit rating agencies. Lower yield than high-yield bonds; lower credit risk.
Bonds issued by companies with credit ratings below investment grade. Higher yields reflect materially higher credit risk. Suitable only for investors who understand and accept the risk of capital loss.
Bonds where interest payments adjust with a reference rate (typically BBSW). May suit investors expecting interest rate rises.
Bonds and bond-style products that pay regular income — suitable for retirees and SMSFs targeting cash flow.
Estimate potential returns across term deposits and bonds. Figures are illustrative only.
Want real rates matched to your amount and term?
Figures illustrative only. Actual provider rates differ. Rates change. Fees may apply. Tax treatment depends on personal circumstances. Bond values can rise and fall. Not financial advice.
Rateridge is paid by issuers, not by you. Here's exactly how that works.
You do not pay Rateridge to submit an enquiry, receive matched options, or proceed with a product. There is no platform fee, enquiry fee, or markup on issuer rates.
Rateridge may receive payment from issuers when a customer proceeds with a product. This payment is disclosed in the Financial Services Guide and during your specialist call.
We compare rates and product features across our reviewed panel of Australian issuers and present competitive options matched to your brief. We do not compare every rate in the market — only those from our reviewed panel.
Always review the Product Disclosure Statement (PDS), Target Market Determination (TMD), issuer terms, fees, eligibility, and any other relevant documentation before proceeding. Rateridge provides general information only — not personal financial advice.
Term deposits with Australian ADIs are covered by the Financial Claims Scheme up to $250,000 per account holder per institution, subject to scheme conditions. Bonds are not deposits and are not covered by the FCS — they carry issuer credit risk. Rateridge will explain the risk profile of each option matched to you.
$20,000 AUD across all products on the Rateridge panel.
Rateridge is paid by issuers when a customer proceeds with a product. You pay nothing to use our service — no platform fees, no enquiry charges, no rate markups.
Within 12 business hours of submitting an enquiry, an Australian-based Rateridge specialist will contact you by your preferred method.
No. Rates shown on the website are indicative and subject to issuer availability, eligibility, market conditions, and product terms. Final rates are confirmed in writing before you proceed.
No. Rateridge provides general information and a comparison/enquiry service. It is not personal financial advice. Consider whether the information is appropriate for your circumstances and read the relevant PDS and TMD before deciding.
Australian term deposits and bonds (government, investment-grade corporate, high-yield corporate). Minimum $20,000 AUD. We do not deal in savings accounts, ETFs, shares, crypto, or property.
Yes. Bond values fluctuate with interest rates and credit conditions, and you may receive less than your initial investment if you sell before maturity or if the issuer defaults. Higher-yielding bonds carry higher risk.
No. The Rateridge panel includes products available to retail investors. We confirm your investor status during the enquiry process.
A Rateridge specialist calls you within 12 business hours, walks through matched options, and shares the relevant PDS and TMD. You decide whether to proceed. There is no obligation.
A Rateridge fixed income specialist will call you within 12 business hours with rate options matched to your brief.
Confirmation has been sent. Check your spam folder if you don't see it.
Within 12 business hours. No offshore call centres.
If you'd like to proceed quickly after your call.