WANT YOUR MONEY WORKING HARDER FOR YOU?
Diversify Beyond Index Funds & ETFs. Unlock Attractive Monthly Income, with Target Rates from: 7.35%* p.a.
Use code: EOFY26 - Get a $200 top-up* when you open an account with $20,000+ before 30 June.
As Featured In:
Finder People's Choice Award 2025
Bond Adviser Approved
FinTech & Banking Awards Finalist 2025
Australian Wealth Management Awards Finalist 2025
Finnies Award Finalist 2026
Powered by Pengana Capital Group in association with Mercer
Stop Settling For Low Returns.
Start Earning Better Monthly Income With TermPlus.
Many Australian investors rely heavily on index funds, ETFs and the share market to grow their wealth. TermPlus provides unparalleled access to global private credit investments designed with the aim of delivering attractive monthly income and portfolio diversification, without share market volatility.
Choose between receiving monthly income payments directly to your bank account, or reinvest your monthly income to compound your wealth.
TermPlus is not a bank. Our Term Accounts are high yield fixed-term investment accounts that target returns from 7.35%* p.a..
Term Lengths & Target Rates
1 Year Account
%*
p.a.
RBA Cash Rate + 3%
2 Year Account
%*
p.a.
RBA Cash Rate + 3.65%
5 Year Account
%*
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.
Monthly Income Or Compound Growth
Quick and easy online application
With accounts for SMSF’s, Companies & Trusts
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
4.8 Stars
Watch: TermPlus CEO Nehemiah Richardson Talks TermPlus for Attractive and Reliable Returns on the Morning Show
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
After having invested my money in TermPlus and getting the interest regularly every month, I am most happy with my investment.
Seow
Clear and timely communication, easy to access and check deposit. Good and reliable interest rate so far.
Judy
Open Your Account In as Quick as 3 Minutes
TermPlus is an Easy Way to Diversify Beyond ETFs, Index Funds & the Share Market
Impressive Target Rates From 7.35%* p.a.
While once reserved for institutional investors, TermPlus is now offering fixed term accounts with target rates from 7.35%* p.a. for all Australians.
TermPlus is brought to you by Pengana Capital Group, a trusted funds management leader, with over $3.4bn in funds under management.
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 payments 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 backed 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 Australian Investors Are Choosing A TermPlus Term Account To Grow Their Wealth
Target Rates From 7.35%* p.a. On Your Savings
Unlock higher and more consistent returns that are designed to beat inflation.
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 and 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 unexpected 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.
How To Start Earning More From Your Savings In 3 Easy Steps
1
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.
2
Start Earning With Target Rates From 7.35%* 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.
3
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.
1
2
3
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 7.35%* 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.
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 7.35%* 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.
Have questions? Need support?
Reach out to us today with any questions or enquires you may have about our Term Accounts.
1300 883 881
Disclaimer: