Reviews

Why Choose Us

FAQs

WANT YOUR MONEY WORKING HARDER FOR YOU?

Turn Your Idle Savings Into Monthly Income With Target Rates From 7.10%* p.a. With A Fixed Term Account

Fixed Terms, 1, 2 or 5 Year Options

Monthly Income Paid To Your Bank Account or Reinvested

No Setup Fees or Monthly Account Fees

Kochie Talks TermPlus For Attractive And Reliable Returns

Fixed Terms, 1, 2 or 5 Year Options

Monthly Income Paid To Your Bank Account or Reinvested

No Setup Fees or Monthly Account Fees

As Featured In:

People's Choice Award Finder 2025

Bond Advisor Approved

FinTech & Banking Awards Finalist 2025

Australian Wealth Management Awards Finalist 2025

Finnies Award Finalist 2025

Stop Settling For Low Returns.

Start Earning Better Income With TermPlus.

TermPlus’ Term Accounts are designed to make your savings work harder for you, so you can stay ahead.

TermPlus is not a bank. Our Term Accounts are high-yield fixed-term investment accounts that target returns from 7.10%* p.a. through unparalleled access to global private credit markets.

Choose between receiving monthly income payments directly to your bank account, or reinvest your monthly income to compound your returns.

Term Lengths & Target Rates

1 Year Account

7.10

%*

p.a.

RBA Cash Rate + 3%

2 Year Account

7.75

%*

p.a.

RBA Cash Rate + 3.65%

5 Year Account

8.25

%*

p.a.

RBA Cash Rate + 4.15%

Target Rates are set as a fixed margin above the RBA Cash Rate, which is variable over the course of the Term.

Target Rates From 7.10%* p.a.

Monthly Income Or Compound Growth

Quick and Easy Online Application

Open a Personal, Joint, Company, Trust, SMSF or Child Account

Start Earning With Balances From $2,000

$0 Setup Fees or Monthly Account Fees

TermPlus Accounts Are For All Sorts of Savings

Personal accounts

Joint accounts

Child accounts

Companies & trusts

SMSF Investors

4.9 Stars

Watch: David Koch of Your Money & Your Life Talks TermPlus For Attractive And Reliable Returns

Trusted By Smart

Investors Across Australia

Very easy process to set up, good communication and client service team members I have dealt with have been excellent.

Damian E

After having invested my money in TermPlus and getting the interest regularly every month, I am most happy with my investment.

Seow A

Clear and timely communication, easy to access and check deposit. Good and reliable interest rate so far.

Judy E

Open Your Account In as Quick as 3 Minutes

TermPlus Is An Easy Way To Generate Monthly Income & Make Your Savings Work Harder

Impressive Target Rates From 7.10%* p.a.

While once reserved for institutional investors, TermPlus is now offering fixed Term Accounts with Target Rates from 7.10%* p.a. for all Australians.

TermPlus is brought to you by Pengana Capital Group, a trusted funds management leader, with over 23 years of experience.

Enjoy competitive monthly income and get more from your savings.

Income Paid Monthly Or Compound It Through  Re-Investment

Choose how you want your wealth to grow with TermPlus.

Enjoy a regular boost to your monthly income paid straight into your bank account. Or re-invest your monthly income to compound your returns and accelerate your wealth long-term.

Whichever you choose, our Term Accounts are built to make your money work smarter for you.

Simple Setup, Easy To Use

Our Term Accounts are supported by a 3-layer protection system to support consistent monthly payments, and stability of capital. Open your account in minutes and choose your term.

Then relax and enjoy your monthly returns with zero setup fees or monthly account fees.

We’ll keep you updated on your monthly payments so you’re always in the loop.

7 Reasons Why Savvy Australians Are Choosing A TermPlus Term Account To Grow Their Wealth

**Attractive Target Rates From 7.10%* p.a. On Your Savings**

Unlock higher and more consistent returns without worrying about share market volatility.

3-Layer Protection For Every TermPlus Account

Customers benefit from our first-in-market Support Account. A co-investment that provides an extra pool of capital and returns to underpin monthly payments as well as customer savings.

Open Your Account Online In Minutes

No confusing paperwork or long delays. Choose your fixed term, set up your profile, fund your account, and start earning.

Track Your Progress With A Simple Dashboard

Get monthly income updates and manage your account from anywhere, anytime. It's that easy.

Presented By Trusted Institutions

Your money is powered by Pengana Capital Group in association with Mercer. Trust your wealth with established financial institutions with a strong track record.

$0 Setup Fees & No Monthly Fees

All management fees are already factored into our Target Rates. No setup fees. No monthly account fees.

Access Global Private Credit Opportunities

Benefit from a diversified portfolio that's usually reserved for institutional investors. Take advantage of this exclusive access for everyday Australians.

4.9 Stars

Trusted By Savvy Australians

To Build Their Wealth

I have now opened 4 accounts with Term Plus. The process is very straightforward and the monthly income simple to review

David C

The fixed spread above the cash rate is a great feature for me in retirement because it gives me comfort knowing that there is a predictable and reliable level at which my income payments will be bench-marked.

Nick F

TermPlus is great for your SMSF. Easy to apply, good returns paid monthly (oh fabrous joy!). And run by Pengana, who do thinks money wise with attention to ethics - worldwide

Charles S

How To Start Earning More From Your Savings In 3 Easy Steps

Open Your TermPlus Account

Click to select a 1, 2 or 5 year term. Set your deposit amount, then complete your secure identity verification.

This is all you need to open your account.

The whole process takes as little as 3 minutes.

Start Earning With Target Rates From 7.10%* p.a.

Your funds are allocated to our globally diversified private credit master portfolio. This is managed by Pengana Capital Group and Mercer.

With no setup fees, transaction fees or monthly account fees - watch your money grow.

Get Paid Your Way - Every Month

Choose how you’d like to receive your returns. Get monthly income deposited into your bank account, or reinvest it to compound your wealth.

You can track your progress through your personal investor dashboard anytime.

Open Your TermPlus Account

Click to select a 1, 2 or 5 year term. Set your deposit amount, then complete your secure identity verification.

This is all you need to open your account.

The whole process takes as little as 3 minutes.

Start Earning With Target Rates From 7.10%* p.a.

Your funds are allocated to our globally diversified private credit master portfolio. This is managed by Pengana Capital Group in association with Mercer.

With no setup fees or monthly account fees - watch your money grow.

Get Paid Your Way - Every Month

Choose how you’d like to receive your returns. Get monthly income deposited into your bank account, or reinvest it to compound your wealth.

You can track your progress through your personal investor dashboard anytime.

Why Smart Australian Investors Are Choosing TermPlus

1. Higher Target Rates for Real Growth

TermPlus offers target rates starting from 7.10%* p.a. It’s designed for investors who want to put their savings to work, and outpace inflation with real growth. You can use your term account to generate steady monthly income, or re-invest and compound your income payments.

2. Easy Online Setup in Minutes

Forget the hassle of endless paperwork and confusing forms. At TermPlus, you can open your account online in as little as 3 minutes. The experience is seamless, fast, and stress-free. From setting your account up to tracking your earnings.

3. Professionally Constructed Investments for Extra Security

Unlike many investment options, TermPlus supports your earnings, with our own co-investment into a Support Account. That’s how we deliver a 3-layer protection system on your income and capital. We're also powered by ASX-listed Pengana Capital Group, in association with investment leader Mercer. All with the aim of providing access to competitive returns consistently.

4. Access to Exclusive Global Opportunities

TermPlus gives you access to a highly diversified, professionally constructed, global private credit portfolio. This kind of access is usually reserved for large institutional investors. Now, everyday Australians can enjoy these same opportunities to grow their wealth.

1. Higher Target Rates for Real Growth

TermPlus offers Target Rates starting from 7.10%* p.a. It’s designed for investors who want to put their savings to work, and outpace inflation with real growth. You can use your Term Account to generate steady monthly income, or re-invest and compound your income payments.

2. Easy Online Setup in Minutes

3. Professionally Constructed Investments for Extra Security

4. Access to Exclusive Global Opportunities

“TermPlus Is Here To Make Your Money Work Harder Than Ever Before”

Nehemiah Richardson

A Message From Nehemiah Richardson, CEO of TermPlus

For 30 years, I have worked on many attractive investment products - venture capital, private equity, and bank hybrids. While institutional investors have benefited directly, everyday investors have only had limited indirect access.

TermPlus was created to change that.

Our goal is to provide Australian investors direct access to the highly sought after characteristics of global private credit, a booming $3 trillion asset class known for attractive, stable income, capital preservation, low volatility, and diversification.

Accessing global private credit in a diversified way has been difficult for non-institutional investors - until now.

That’s why, in consultation with Mercer, a highly regarded global investment leader managing over $16 trillion in assets, we’re bringing institutional-grade private credit to everyday Australians.

TermPlus Term Accounts offer attractive Target Rates, paying monthly income while providing unique layers of protection. We co-invest alongside our customers in order to provide additional certainty of income, and capital stability, over and above that provided by the characteristics of global private credit.

At TermPlus, our mission is simple: help your wealth work harder while you sleep easier.

Open An Account With TermPlus

Term Lengths & Target Rates

1 Year Account

7.10

%*

p.a.

RBA Cash Rate + 3%

2 Year Account

7.75

%*

p.a.

RBA Cash Rate + 3.65%

5 Year Account

8.25

%*

p.a.

RBA Cash Rate + 4.15%

Target Rates are set as a fixed margin above the RBA Cash Rate, which is variable over the course of the Term.

See What Everyone Is Saying About TermPlus…

TermPlus So far has been a great experience, easy to setup, Australian call help. easy online login. Every month you get notifications for interest payment, always makes your day.

Jarred I

I’ve invested with Term plus now for about 5 months now and have been that impressed I’ve now invested more.

So far very good.

Jeff S

I have found Term plus easy to deal with. All communications have been worthwhile and uncomplicated.

Paul R

Great returns

Easy to use online

Would recommend to anyone.

Dennis M

Love getting my Termplus notifications.

Greg W

Attractive rates and good systems from well run outfit.

Bruce B

TermPlus Is Made For…

Savers Who Want Better Returns

You've worked hard to build your savings and know they could be generating better returns. TermPlus helps you access competitive target rates from 7.10%* p.a.

Retirees & Pre-Retirees

You’ve got a nest egg and want reliable monthly income without the stress of stock market volatility. Your priority is minimising risk and protecting your nest egg while earning steady returns.

SMSF Holders Looking For Diversification

You're looking to diversify your SMSF investments while earning regular monthly payments at a competitive target rate. TermPlus is ideal for maintaining long-term returns, with the ability to re-invest income each month.

Parents Who Want to Invest Money for their Children

You want to build wealth to invest in your children’s futures and help them achieve their dreams.

Companies and Trusts that need to put capital to work without unnecessary market risk

Your company or trust is sitting on additional capital that you do not need access in the short term, and you want to generate competitive returns on that capital, but don’t want to risk the volatility of listed stock markets.

Savers Who Want Better Returns

You've worked hard to build your savings and know they could be generating better returns. TermPlus helps you access competitive Target Rates from 7.10%* p.a.

Retirees & Pre-Retirees

You’ve got a nest egg and want reliable monthly income without the stress of stock market volatility. Your aim is to reduce risk while earning steady returns.

SMSF Holders Looking For Diversification

You're looking to diversify your SMSF investments while earning reliable monthly payments at a competitive Target Rate.

Parents Who Want to Invest Money for their Children

You want to build wealth to invest in your children’s futures and help them achieve their dreams.

Companies and Trusts That Want to Put Capital to Work without taking Stock Market Risk

Your company or trust is sitting on additional capital that you do not need to access in the short term, and you want to put it to work to generate competitive and reliable returns on that capital.

What Most People Are

Asking About TermPlus…

What is TermPlus?

TermPlus is not a bank. TermPlus is a provider of high-yield online Term Accounts. These Term Accounts offer monthly income with Target Rates from 7.10%* p.a. or you can choose to reinvest your monthly income. We work closely with leading investment institutions such as Pengana Capital Group and Mercer. Our goal is to make wealth-building simple, rewarding, and reliable.

Open an account today to see how your savings can work harder for you.

How do you get Target Rates like this without risky or volatile investments?

TermPlus invests in a highly diversified, and professionally constructed, global private credit portfolio. This is managed by trusted institutions, and delivers competitive returns in the form of monthly income.

Ready to earn more without the stress? Open your TermPlus account today.

What kind of returns can I really expect?

TermPlus offers Target Rates determined by the RBA Cash Rate plus the addition of a fixed spread. As the RBA Cash Rate can potentially go up or down over the course of a term, the target rates will vary in line with the RBA Cash Rate Changes.

Don’t settle for less, open your account and start earning today.

What happens if I need access to my funds?

TermPlus accounts are fixed-term. At the end of your term, you can withdraw all your funds, or rollover into a new term as you prefer.

Open an account now and enjoy flexibility tailored to your needs.

What fees are there?

TermPlus charges no setup fee, no monthly account fee or transaction fees. All underlying management fees are already factored into our Target Rates. This means you can enjoy total clarity from the start. Ready for straightforward growth?

Open your account today.