WANT YOUR MONEY WORKING HARDER FOR YOU?
Turn Your Idle Savings Into Monthly Income With Target Rates From 7.35%p.a. With One Simple Account
$100* Income paid monthly
As Featured In:
Finder 2024 Innovation Finalist
20+ Years of Experience
Backed by Pengana Group in association with Mercer Australia.
3-Layer Wealth Protection System
4.8 Stars
Trusted By Security-Conscious
Savers Across Australia
I put some of my savings into TermPlus and could not be happier...I would recommend it to anyone looking for a dependable, low-maintenance investment option.
Candy W, 41 (NSW)
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, 76 (NSW)
Very happy with experience to date
Peter N
Open Your Account In X Minutes
Stop Settling For Low Returns.
Start Earning Better Income With TermPlus.
TermPlus’ IncomeMax Term Accounts are designed to make your savings work harder for you so you can outpace inflation.
Our Term Accounts are fixed-term investment accounts that offer target returns from 7.35%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 incomeing to compound your wealth.
Target Rates From 7.35% p.a.
Monthly Income Or Compound Growth
Triple-Layer Protection System
Start earning with balances from $2,000
$0 Setup Fees or Monthly Account Fees
January Special: Up To $100 Welcome Bonus
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.
Open Your Account In X Minutes
TermPlus Is A Simple & Stable Way To Generate Monthly Income & Make Your Savings Work Harder
Impressive Target Rates From 7.35%p.a.
While once reserved for the ultra-wealthy, TermPlus is now offering 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 steady 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 with a steady cash flow paid into any account you choose. Or leave your income compounding with TermPlus to 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 & A $100 Welcome Bonus
Our Term Accounts are backed by a 3-layer protection system to deliver reliable income and stability of capital. Open your account in minutes and choose your term. Then relax and enjoy your $100 bonus and steady returns with zero setup fees or monthly account fees. We’ll keep you updated as your wealth grows so you’re always in the loop.
$100 Welcome Bonus For New Accounts
7 Reasons Why Savvy Australians 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 than traditional options. Keep your money beating the inflation rates.
3-Layer Protection For Your Earnings
With a Market-First Support Account and customer-priority payouts, your returns come first.
Open Your Account Online In Minutes
No confusing paperwork or long delays. Choose your term, fund your account and start earning.
Track Your Progress With A Secure Dashboard
Get monthly income updates and manage your account from anywhere, anytime. It's that easy.
Backed By Trusted Institutions
Your money is supported by Pengana Capital Group and Mercer. Trust your wealth with top names in financial expertise.
$0 Setup Fees & No Monthly Fees
All management fees are already factored into your returns. No unexpected setup fees. No monthly account fees. Just total clarity.
Backed By Trusted Institutions
Your money is supported by Pengana Capital Group and Mercer. Trust your wealth with top names in financial expertise.
$100 Welcome Bonus For New Accounts
5 Stars
Trusted By Savvy Australians
To Build Their Wealth
Very easy process to set up, good communication and client service team members I have dealt with have been excellent.
Damian P
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
How To Start Earning More From
Your Savings In 3 Easy Steps
1
Open Your IncomeMax Account And Get Your $100 Sign-Up Bonus
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 and receive your sign-up bonus of up to $100. The whole process takes as little as 3 minutes.
2
Watch Your Money Start Earning With Target Rates From 7.35%p.a.
Your funds are allocated to our globally diversified private credit portfolio. This is managed by Pengana Group and Mercer.
With no setup fees, transaction fees or monthly account fees - you’ll 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 secure investor dashboard anytime.
1
2
3
Open Your IncomeMax Account And Get Your $100 Sign-Up Bonus
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 and receive your sign-up bonus of up to $100. The whole process takes as little as 3 minutes.
Watch Your Money Start Earning With Target Rates From 7.35%p.a.
Your funds are allocated to our globally diversified private credit portfolio. This is managed by Pengana Group and Mercer.
With no setup fees, transaction fees or monthly account fees - you’ll 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 secure investor dashboard anytime.
$100 Welcome Bonus For New Accounts
Why Smart Australian Investors Are Choosing TermPlus
1. Higher Target Rates for Real Growth
TermPlus offers target rates starting from 7.35%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 prioritises your earnings, with our own investment into a Support Account That’s how we deliver a 3-layer protection system on yoru income and capital We're also backed by Pengana Group in association with Mercer. All with the aim of ensuring your returns remain steady and aligned with your financial goals.
4. Access to Exclusive Global Opportunities
Why settle for limited investment options? TermPlus gives you access to a diversified global private credit portfolio. This is usually reserved for institutions and the super-rich. 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 7.35%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 prioritises your earnings, with our own investment into a Support Account That’s how we deliver a 3-layer protection system on your income and capital We're also backed by Pengana Group in association with Mercer. All with the aim of ensuring your returns remain steady and aligned with your financial goals.
4. Access to Exclusive Global Opportunities
Why settle for limited investment options? TermPlus gives you access to a diversified global private credit portfolio. This is usually reserved for institutions and the super-rich. Now, everyday Australians can enjoy these same opportunities to grow their wealth.
$XXX Welcome Bonus For New Accounts
OUR MISSION:
“TermPlus Is Here To Make Your Money Work Harder Than Ever Before”
Nehemiah Richardson
CEO of TermPlus
For XX years, I watched regular Australians getting locked out of the best investment opportunities.
While traditional investment products offered unfavourable risk-adjusted measly returns, institutional investors were quietly earning substantial income through global private credit markets.
I knew there had to be a better way.
That's why we created TermPlus, partnering with Pengana Group and Mercer to bring institutional-grade global private credit investments to everyday Aussies like you.
Today, our TermPlus Term Accounts offer target rates from 7.35%p.a., underpinned by our unique Triple-Layer Protection System.
We aim to make your wealth works harder, while you sleep easier.
Join savvy Australian investors who've already discovered what the ultra-wealthy have known for years – there's a smarter way to grow your wealth.
It's time to make your money work as hard as you do.
We’re a multi-award winning fund
$XXX Welcome Bonus For New Accounts
LIMITED TIME NEW ACCOUNTBONUS:
Open An Account With TermPlus In [Dynamic Month] And Get A Bonus Deposit From TermPlus Up To $100*
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.
Open Your Account In X Minutes
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 Isaacman
Process to get in is easy but I have not come to the process of getting out yet. So not 5 stars yet.
Harold Nowak
I have found Term plus easy to deal with. All communications have been worthwhile and uncomplicated.
Paul Reilly
Great returns
Easy to use online
Would recommend to anyone
Dennis Mackender
Love getting my Termplus notifications
Greg Weinbren
Charlee Michel
$100 Welcome Bonus For New Accounts
Why Choose TermPlus?
Traditional Income Funds
Bonds
Competitive Target Rates From 7.35%p.a.
Backed by Mercer-Approved Fund Managers
Support Account for added Layers of Protection
No Monthly Account or Transaction Fees
Quick Account Setup and Online Dashboard
Regular Income Updates Sent Directly to You
$100 Welcome Bonus For New Accounts
TermPlus Is Perfect For…
Retirees & Pre-Retirees
You’ve got a nest egg and want reliable monthly income without the stress of equity market volatility. Your priority is protecting your nest egg while earning steady risk-adjusted returns.
Savers Who Want Better Returns
You've worked hard to build your savings and know they could be generating better returns. TermPlus helps you earn stable target rates from 7.35%p.a.
SMSF Holders Looking For Diversification
You're looking to diversify your SMSF while earning consistent and stable returns. TermPlus is ideal for building long-term wealth with their 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. By saving with TermPlus, you can start building a life-changing sum that secures the futures of those you love.
Retirees & Pre-Retirees
You’ve got a nest egg and want reliable monthly income without the stress of equity market volatility. Your priority is protecting your nest egg while earning steady risk-adjusted returns.
Savers Who Want Better Returns
You've worked hard to build your savings and know they could be generating better returns. TermPlus helps you earn stable target rates from 7.35%p.a.
SMSF Holders Looking For Diversification
You're looking to diversify your SMSF while earning consistent and stable returns. TermPlus is ideal for building long-term wealth with their 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. By saving with TermPlus, you can start building a life-changing sum that secures the futures of those you love.
$100 Welcome Bonus For New Accounts
What Most People Are
Asking About TermPlus…
What is TermPlus exactly?
TermPlus is a provider of online term accounts. These term account offer monthly income or compounding growth with target rates from 7.35%p.a. We’re backed by reputable institutions such as Pengana Group and Mercer. Our goal is to make wealth-building simple, transparent, 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 better returns in the form of monthly income. Ready to earn more without the stress? Open your TermPlus account today.
Have you ever missed a target rate monthly payment?
We have always met our target rates with a 100% success rate from the day we started, and have never missed a target rate monthly payment. While it’s important to note that past performance is not a reliable indicator of future performances, and the value of all investments can go up or down, many customers feel confident in our ability to hit target rates consistently based on our track record so far. Open your account today.
How safe is my money from market crashes?
First, it’s important to note that global private credit is generally uncorrelated with listed stock markets. Furthermore, your earnings are protected by our professionally constructed 3-layer protection system. This is underpinned by our own money held in what we call a Support Account. And finally, a commitment to profiting only after our customers do. Start growing your wealth - open your TermPlus IncomeMax Account now.
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. The RBA Cash Rate can potentially go up or down over the course of a term as it is variable. Don’t settle for less—open your account and start earning today.TermPlus offers target rates determined by the RBA Cash Rate plus the addition of a fixed spread. The RBA Cash Rate can potentially go up or down over the course of a term as it is variable. 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 renew 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 with zero unexpected cuts taken. Ready for straightforward growth? Open your account today.
$100 Welcome Bonus For New Accounts
Finally Get Your Money Working Harder And Open a TermPlus Account Today
Account setup in minutes
$100 welcome bonus*
Monthly income payments
Triple-layer protection system
No account fees
Powered by Pengana & Mercer
$100 Welcome Bonus For New Accounts
© Copyright 2025 TermPlus
Pengana Capital Limited (Pengana) (ABN 30 103 800 568, AFSL 226 566) is the issuer of units (Term Accounts) in TermPlus (ARSN 668 902 323). Any advice provided is general in nature and does not take into account your particular objectives, financial situation or needs. You should consider the PDS and TMD before investing in TermPlus.
Any reference to a target rate is a reference to the investment objective for the relevant account option in TermPlus, which may vary. Importantly, target rates are not guaranteed, and any investment is subject to investment risks. Any forecasted returns may not reflect actual performance and past performance is not a reliable indicator of future performance.
Pengana is not a bank and is not regulated by the Australian Prudential Regulation Authority. Investing in TermPlus is not the same as depositing money with a bank. For further details, please see the Important Information page on our website.
Mercer Consulting (Australia) Pty Limited (ABN 55 153 168 140, AFSL 411 770), which is a wholly owned subsidiary of Mercer (Australia) Pty Ltd (ABN 32 005 315 917) (Mercer Australia) collectively referred to as Mercer. References to Mercer shall be construed to include Mercer LLC and/or its associated companies. ‘MERCER’ is a registered trademark of Mercer Australia.