• ANZ Bank Fixed Deposit

    ANZ Fixed Deposit

    ANZ or the Australia and New Zealand Banking Group Limited is the third largest bank in Australia in terms of market capitalization and has a worldwide reach with innovative banking products. ANZ’s primary centres of operations are in Australia and New Zealand, with branches in thirty countries across the globe. The Singapore branch of ANZ was established in 1974 as a representative office and was later converted into an offshore bank in 1980. ANZ Singapore was given the status of functioning as a full-fledged wholesale bank in 2002. A key entity in ANZ’s extensive product portfolio is the ANZ time deposit which offers the best deposit solutions with maximum returns for Singaporeans. As one of the designated regional hubs in Asia, ANZ Singapore provides a gamut of integrated services catering to financial markets, trade finance, institutional banking, corporate banking, retail banking, corporate finance, investment banking and private banking customers.

    ANZ Singapore Time Deposits

    ANZ Singapore offers a comprehensive suite of deposit solutions, helping customers grow their wealth and achieve their unique financial goals with flexible deposit tenures and attractive interest rates.

    Why choose ANZ Singapore Time Deposits?

    ANZ provides you with a variety of option of time deposits to suit your requirements and your abilities. Saving is made easier and profitable with the interest rates provided by ANZ. Furthermore, ANZ runs promotional offers from time to time. Look out for even better offers on ANZ fixed deposits!

    Types of ANZ Time Deposit

    ANZ Instant Interest Time Deposit

    Instant rewards with instant interests! ANZ Singapore customers can earn their full deposit interests upfront on the same day the deposit account has been opened with ANZ Instant Interest Time Deposits. There is no requirement for a customer to wait till the maturity of the time deposit to enjoy his returns.

    Features

    • Interest amounts will be credited to the customer’s ANZ current or savings accounts upon placement of deposit funds, enabling him to instantly put the funds into use.
    • ANZ Singapore offers the option of opening Instant Interest time deposit accounts in various currencies namely SGD, AUD, NZD or USD.
    • ANZ customers also have the provision of rolling over their Instant Interest time deposits at the time of maturity.
    • Additionally, the SGD time deposits are insured up to S$50K by the Singapore Deposit Insurance Corporation.

    Minimum Initial Deposit

    Minimum balance required for account openings:

    • SGD - SGD 25, 000
    • USD - USD 25, 000
    • AUD - AUD 25,000
    • NZD - NZD 25, 000

    ANZ Time Deposits

    Offering the best interest rates, with a wide range of tenures and a flexibility to deposit in ten major currencies, ANZ time deposits are a one-of-a-kind investment option ideally suited for individual Singaporean customers.

    Features

    • ANZ customers can opt for deposit tenures ranging from one week to 24 months for SGD time deposit accounts.
    • For deposits in any other currency, the deposit tenures available are from one week to 12 months.
    • ANZ Singapore offers deposits in diverse currency units - SGD, AUD, NZD, USD, CNY, CAD, CHF, HKD, GBP, JPY and HKD.
    • Upon placement of the time deposit, the placement advice will be issued by ANZ Singapore.
    • The ANZ time deposit has an automatic roll over facility at the time of the maturity of the time deposit.
    • Singaporeans need to be at a minimum age of 18 years at the time of commencement of the time deposit.

    Minimum Initial Deposit

    Minimum balance required for account openings:

    • SGD - SGD 25, 000
    • CNY - CNY 125,000
    • AUD, CHF, CAD, HKD, NZD, GBP, JPY and USD - an equivalent of SGD 25,000

    Eligibility

    Minimum age requirement is 18 years.

    ANZ Step-Up Time Deposit

    ‘Flexibility’ gets a whole new meaning with ANZ Step-Up time deposits with the bank offering 4-cycle deposit tenures and easy optional withdrawals at the end of every cycle without any penalty being imposed. Customers can enjoy high returns continuously on their investments by simply placing fresh funds of $25,000 in AUD, SGD or USD after every withdrawal.

    Features

    • In an effort to maximize a customer’s investment, ANZ constantly increases the interest rates after every cycle giving higher returns than other time deposits.
    • The interest earned by an ANZ Step-Up time deposit account holder is credited to the designated account at the end of every cycle.
    • ANZ Step-Up time deposits are available in three different currencies - AUD, USD and SGD.
    • Comprising of 4 cycles of three calendar months for a 12 month deposit tenure and six calendar months for a 24 month tenure, ANZ customers have the option of choosing either of the two while opening a time deposit account.

    Minimum Initial Deposit

    Minimum balance required for account openings:

    • SGD - SGD 25, 000
    • USD - USD 25, 000
    • AUD - AUD 25,000

    ANZ RMB Time Deposit

    An ANZ RMB time deposit is offered in ten different currencies, with attractive interest rates and flexible deposit tenures.

    Features

    • The minimum deposit amount required for opening a RMB time deposit account is CNY 125,000.
    • ANZ customers can opt for deposit tenures ranging from 1 to 12 months.
    • Since this time deposit is offered along with a RMB savings account, customers can also enjoy additional features like tiered interest rates on savings accounts, phone and internet banking facilities and consolidated monthly statements from the bank.

    Eligibility

    • Minimum age requirement is 18 years.
    • Customers must have a Singapore Dollar or United States Dollar account with the Bank.

    ANZ Singapore Time Deposit Rates

    Placement amounts (SGD) Deposit Tenures
    1 Month 2 Months 3 Months 6 Months 9 Months 12 Months 24 Months
    250,000 and above 0.0314 percent 0.1159 percent 0.1200 percent 0.1700 percent 0.2200 percent 0.2700 percent 0.2700 percent
    100,000 to 249,999 0.0000 percent 0.0659 percent 0.0700 percent 0.1400 percent 0.1950 percent 0.2500 percent 0.2500 percent
    50,000 to 99,999 0.0000 percent 0.0000 percent 0.0200 percent 0.1200 percent 0.1700 percent 0.2200 percent 0.2200 percent
    20,000 to 49,999 0.0000 percent 0.0000 percent 0.0000 percent 0.0700 percent 0.1100 percent 0.1500 percent 0.1500 percent

    Foreign Currency Fixed Deposits

    The Australia and New Zealand Bank offers a wide range of deposit schemes to customers in Singapore and these schemes come with a variety of beneficial features. The best part about these schemes is that, all of them offer the opportunity to make deposit in multiple currencies. You will get the chance to choose from 10 different currencies to make deposits.

    Click here to know about ANZ Foreign Currency Fixed Deposit Interest Rates.

    ANZ Fixed Deposit Promotions

    ANZ Singapore customers can enjoy excellent interest rate promotional offers on fixed deposits. Promotional interest rates are applicable on ANZ Instant Interest Time Deposit accounts mainly for ANZ Signature Priority Banking customers. An ANZ Instant Interest Time Deposit can be opened in Singapore Dollars, Australian Dollars or in New Zealand Dollars. ANZ offers different interest rates for each type of fixed deposit account depending on the currency.

    SGD ANZ Instant Interest Time Deposit Promotions -

    For a time deposit account with an 8 month tenure, get a promotional interest rate of up to 1.80% per annum.

    SGD ANZ Instant Interest Time Deposits with placements amounts of SGD 150, 000 and above carry an interest rate of 1.15% per annum. Deposits with placement amounts below SGD 150,000 offer an interest rate of 0.70% per annum.

    Foreign Currency ANZ Instant Interest Time Deposit Promotions -

    A foreign currency deposit account can be opened with a 3 month tenure either in Australian Dollars or New Zealand Dollars. For a time deposit account opened in AUD, the interest rate offered is 2.20% per annum and if the account is opened in NZD, then the interest rate is slightly higher at 3.50% per annum. For both currency units, the placement amount can range from a minimum of $50,000 and above.

    ANZ Fixed Deposit Insurance Scheme

    Singapore Deposit Insurance Corporation insures Singapore dollar deposits of non-bank depositors for up to S$50,000 in aggregate per depositor per Scheme member by law.

    Foreign currency deposits, structured deposits, dual currency investments and other investment products are not insured.

    Other Products Offered by ANZ Singapore

    ANZ has its presence in a variety of banking services and products. It offers nearly everything like –

    ANZ Time Deposit FAQS

    1. Can I open a fixed deposit account with Euros?
    2. With effect from 6th May 2015, ANZ has stopped offering EUR time deposits.

    3. Does ANZ issue a receipt for time deposits? Can the deposit be used to secure a loan?
    4. No, ANZ does not issue any receipt. When opening a fixed deposit you agree to understand that this deposit cannot be pledged as security.

    5. Can I pre-close my time deposit?
    6. Yes, if you request the bank to allow you to withdraw the money, the bank may allow you to do so but a fee will be applicable as the bank may deem fit. Any interest accrued may not be payable.

    7. Will I be charged if I withdraw money during a cycle of the ANZ Step Up Time Deposit?
    8. Yes. You can withdraw the money only on the maturity cycle dates. If you make a withdrawal before the first maturity date, an administrative fee of $200 in respective currencies will be charged. Breakage charges will be levied by the bank in the case of any withdrawal done on a day other than a cycle maturity date.. No interest will be paid for the uncompleted cycle.

    9. Can I avail of overdraft facilities on RMB fixed deposits?
    10. ANZ does not permit overdrawing facility on RMB time deposits. No overdraft is offered either.

    News About ANZ Bank Fixed Deposit

    • ANZ Instant Interest Time Deposit

      Runtime – This is an ongoing promotion that is valid from now until 30th of November, 2015.

      Particulars

        • For a placement amount below SGD 150,000 for a 24 month period, you will receive an Interest Rate of 1.50% per annum on your SGD ANZ Instant Interest Time Deposit.

        • For a placement amount of SGD 150,000 and above for a 24 month period, you will receive an Interest Rate of 2% per annum on your SGD ANZ Instant Interest Time Deposit.

        • 3 month Foreign Currency ANZ Instant Interest Time Deposit,

        a. Placement amount US$ 50,000 and above, you will receive an interest rate of 2.20% per annum for AUD currency.

        b. Placement amount US$ 50,000 and above, you will receive an interest rate of 3.30% per annum for NZD currency.

      Terms and Conditions

        • The aforementioned promotions are applicable to both, existing and new customers of ANZ Bank.

        • The aforementioned promotions are only applicable for “Fresh Funds” – for further information on Fresh Funds, contact the bank.

        • For more details on the promotions or details on the terms and conditions, feel free to contact ANZ bank.

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