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Your investment strategy can be as simple or as advanced as you need. Starting now is the best advice – whether you're ready to invest a little or a lot. Learn about the types of investments that suit your risk profile and your expectations for returns, or see a BT Adviser for some help.

With professional access to industry reports and economic outlooks, a BT Adviser can save you time and provide investment expertise about diversification, balancing your portfolio and putting together the right investment package.

If you’re after a guaranteed^ return, consider starting with a Fixed Term Deposit. Invest your funds in a Term Deposit for a set period and earn a competitive fixed interest rate. You can also choose one of our high interest online savings accounts like Maxi Saver to invest cash and retain access to your money. 

To invest for your retirement, you might want a solution that lets you manage your super using Internet Banking, like BT Super for Life. Or you may have a Self Managed Super Fund (SMSF) and be looking for a competitive rate of interest account like our DIY Super Saver Account, which is a high interest online investment account for SMSFs.

If you're considering shares or managed funds, we can make investing easier. To take control of your own share investments online, Directshares1 is a low-cost effective option. If you want professional investment advice, see a BT Adviser.

When you're ready to invest, we have the expertise to help.

Call a BT Adviser on 1300 140 266 .

Suggested investment solutions

Term Deposit

Invest your money for a fixed term from 1 month to 5 years and earn a fixed competitive interest rate.

Maxi Saver

New Maxi Saver customers1 can earn up to 1.70% p.a. including a bonus1.60% p.a. which is fixed for the first  3 months, with no monthly account service fee and no everyday banking transaction fees2.

DIY Super Saver Account

A high interest online investment account for Self Managed Super Funds.

The Detail

Conditions apply.

Special rates will apply for a single term. Higher or lower rates may apply for any subsequent term. Special rates are not available for corporate, institutional or government customers. 

Before making a decision, it's best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 22 66.

^ Early withdrawal may reduce returns. Term Deposits are 'protected accounts' under the Financial Claims Scheme (FCS). Payments under the FCS are subject to a limit for each depositor. For more information visit the APRA website at

1 If you open a new Maxi Saver account and you have not held a Maxi Saver account before and you are a personal customer, you'll earn an extra bonus of 1.60% p.a. on top of the standard variable Maxi Saver rate during the Promotional Rate Period. The Promotional Rate Period is the first  3 months from the date your account is opened.

2 Maxi Saver has no monthly account service fee but other fees and charges apply, including for branch access. To hold a Maxi Saver account you must also hold an eligible Bank of Melbourne working account in the same name or have an existing eligible Bank of Melbourne joint account with your name included in the title. Fees and charges may be payable on your eligible working account.