90-Day Term Deposit 4.38% p.a. on Balances between $3,000 & $1,000,000 @ in1bank

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Go to Deal

AssociatedLLittle Ada on 15/09/2025 - 15:22 in1bank.com.au (181 clicks)
Last edited 16/09/2025 - 11:24 by 2 other users

New Australian digital bank regulated under FCS. Below details from the promo page:

Lock in your return with an in1bank Term Deposit
Promotion ends 30 September 2025.
Offer may be varied or withdrawn at any time.
This special Term Deposit offer is denominated in AUD, with investment amounts from A$3,000 up to A$1 million per customer (inclusive).
This Term Deposit offer is available to individual, business, and SMSF customers.

Instructions are provided on how to join this promotion, but you’ll need to open a bank account to participate. The process is simple and takes only about three minutes. in1bank also offers attractive promotional rates from time to time — definitely worth a try.

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• 

  Aleigh123 on 15/09/2025 - 15:27

  +11

  High-interest savings accounts currently have better rates.

  I guess this might be useful for people with a lot of cash in the bank or don't want to jump through any hoops.

  • 

    AssociatedLittle Ada @ in1bank on 16/09/2025 - 13:47

    Definitely agree. Yes — no hoops to jump through, and a bit more certainty as well

• 

  Yrgnuh on 15/09/2025 - 15:30

  5.08% home loan 50% LVR no offset.
  5.18%(!) With offset.

  All products seems a bit meh.

  • 

    Financefiend on 15/09/2025 - 16:11

    +2

    That’s great rates. Which bank are you with?

    • 

      Yrgnuh on 15/09/2025 - 16:34

      Up. 5.20% with offset, LVR 80%. No ongoing fees whatsoever + mininum refinance fee whereas this bank charge all sort of refi fees like valuation.

      • 

        AssociatedLittle Ada @ in1bank on 16/09/2025 - 13:49

        That’s a great offer! I’ll be sure to let my friend working at in1bank know about this. Hopefully, they can enhance it even further. Thanks for the feedback!

• 

  Jaduqimon on 15/09/2025 - 15:32

  +1

  any deals for 1mil to 2mil?

  • 

    Lizard Spock on 15/09/2025 - 15:34

    +2

    It's AUD not đồng

    • 

      Jaduqimon on 15/09/2025 - 15:38

      +2

      Yes Australian đồng.

  • 

    AssociatedLittle Ada @ in1bank on 16/09/2025 - 13:50

    I don’t think they offer it at the moment. It’s a pretty large amount — the maximum I’ve seen from this bank is $1 million. Macquarie Bank, however, has a savings account that allows balances of up to $2 million, so you could try there.

• 

  runamuck on 15/09/2025 - 15:40

  +4

  Rubbish rate. New bank that no one has heard of, you need to provide a rate we can't refuse to entice new customers. This bank won't last long.

  Judo Bank 4.35% for 5 months term deposit.

• 

  Kas on 15/09/2025 - 15:55

  Hi, Op, is it 4.38% or 5.38%? looks like you made a mistake or you are not uptodate.

  • 

    Grannular on 15/09/2025 - 16:03

    Where are you getting 5.38% from? Website says 4.38%, which is nothing special

• 

  M00Cow on 15/09/2025 - 18:47

  +2

  is you haven't got a MacBank account, it's 4 60% for 4mth, then 4 25% no tricks or dances

  https://www.macquarie.com.au/everyday-banking/savings-accoun…

  • 

    AssociatedLittle Ada @ in1bank on 16/09/2025 - 13:51

    Yeah, that’s a really competitive offer. Is the onboarding process quick?

• 

  haggleit on 15/09/2025 - 19:16

  +1

  Seems to be a chinatown targeted bank, specifically accepts CN passports & CN ID cards for verification. Features 3.4% base interest on transaction account and offers Wechat/Alipay style instant intra-bank QRcode transactions between bank members. No card services offered though, even basic Debit cards for accounts are lacking. Onsite rate tables formatting shows a desire to immitate the ugly layouts of domestic Bank of China websites & forms.

  More importantly though, wouldn't think that term deposit rates worse than many available basic saver accounts, and no apparent referal or signup bonus on offer would spark much OZB attention.

  • 

    CacheHunter on 15/09/2025 - 22:29

    Seems to be a chinatown targeted bank …

    A message from the Australian Government.

    Press 1 for English
    Press 2 for Mandarin
    …

• 

  HarleyQuinn888 on 16/09/2025 - 08:15

  Great now I can sell all my crypto and get 4%, fantastic