• To be eligible for this offer you must qualify as a 'wholesale client'. This means you have a certificate issued by a qualified accountant within the last two years stating:
  • You have a gross income for each of the last two financial years of at least $250,000; or
  • You have net assets of at least $2.5 million.

By investing in this offer, you understand that you will be treated as a wholesale client, and you are able to assess the risks involved in financial transactions without receiving the same disclosure documents and protections which are available to retail investors.


3.98% P.A.2

Grow your wealth on your terms with our Term Deposit offers.

3 months


Min deposit $100,000

6 months


Min deposit $100,000

9 months


Min deposit $100,000

12 months


Min deposit $100,000

3.98 %

Earn greater returns when you pair your term deposit with an eligible investment

On a 6 month term deposit, when you invest $250,000 or more with half your funds in eligible investment products.

To access our Term Deposit & investment offers you must be an eligible investor and understand there are risks associated with investing, and funds allocated to the investments are not principal or capital protected.

Important Information

  • Interest rate only available for new to bank funds, on all term deposits under AUD$2,000,000. Promotional rate is subject to change without notice. 31 day notice period applies to term deposits.
  • Offer available to wholesale investors only as defined in section 761G of the Corporations Act 2001 (Cth) who has a valid accountant's certificate certifying the investor has a gross income of AUD$250,000 or more per annum in each of the previous two years (before the certificate was issued) or has net assets of at least AUD$2.5 million. By investing in this offer you understand that you will be treated as a wholesale client. Interest rate is subject to change and is only available on new term deposits up to AUD$2,000,000 when combined with eligible investments (structured products, managed funds and bonds). Funds must be split equally between the Term Deposit and eligible investments. 31 day notice period applies to term deposits.

Citibank Term Deposits are issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098. The Term Deposit will automatically renew for the same term at maturity unless you have nominated otherwise. Please note that the interest rate that will apply to your reinvestment will be the interest rate current on the date of maturity which may be less than what may be available to you had you made a new investment.

The minimum investment amount for bonds is AUD $50,000. Investments are not deposits or other obligations of, guaranteed, or insured by Citibank N.A., Citigroup Inc., or any of their affiliates or subsidiaries, or by any local government or insurance agency, and are subject to investment risk, including the possible loss of the principal amount invested.

Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Past performance is not an indicator of future performance. Investment products are not available to US persons and may not be available in all jurisdictions. All investments are subject to risks and can change in value.

Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. You should also obtain and consider the relevant disclosure documents and terms and conditions before you make a decision about any financial product, and consider if it's suitable for your objectives, financial situation, and needs. Investors are advised to obtain independent legal, financial, and taxation advice prior to investing.

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