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How it works

Getting started is simple.

Opening a VERIFIED™ Facility is designed to be straightforward. Apply online, complete your verification, fund your account and start earning interest from the day your cleared funds are received.

Choose from terms ranging from 6 months to 10 years, with a minimum investment of $100,000.

Apply Now View Current Rates
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  1. 1

    Choose fixed or variable

    Select the rate structure that suits your preference.

  2. 2

    Choose your term

    Select an available term.

  3. 3

    Apply online

    Complete the streamlined application.

  4. 4

    Verify

    Complete secure verification with VERIFIED™.

  5. 5

    Fund

    Transfer cleared funds.

  6. 6

    Earn interest

    Interest begins accruing according to the applicable facility terms.

A streamlined process

From application to earning interest in a few simple steps.

  1. Explore the available terms

    Choose the investment term that suits you.

    Review the current VERIFIED™ Facilities rates and choose from terms ranging from 6 months to 120 months.

    Fixed rates

    • 6 months7.70% p.a.
    • 12 months7.95% p.a.
    • 24 months8.60% p.a.
    • 36 months8.95% p.a.
    • 60 months9.25% p.a.
    • 120 months9.70% p.a.

    Variable rates also available

    Prefer a rate linked to the RBA official cash rate? The VERIFIED™ Variable Rate Facility pays the RBA official cash rate plus a fixed premium of 2.50% to 4.25% p.a., depending on the term (currently 7.10% to 8.85% p.a.).

    Based on the RBA official cash rate current as at 30 September 2026. Variable rates can move up or down if the RBA official cash rate changes.

    View Variable Rates

    Minimum investment $100,000

    View Current Rates

  2. Complete your application online

    Apply online at your convenience.

    The application is designed to be quick and straightforward. Tell us about yourself or the investing entity, choose your term and provide the information needed to establish your facility.

    There’s no need to complete lengthy paper forms or visit a branch.

    Apply Now Couple looking at a laptop together at home

  3. Verify your details

    Complete secure verification.

    We’ll guide you through the information and verification needed to complete your application. Identity confirmation on Investing.com.au is powered by VERIFIED™.

    Depending on the investor type, this may include:

    • Identity verification
    • Entity information
    • Authorised representatives
    • Compliance information
    • Bank account details

  4. Receive confirmation

    Your facility is confirmed.

    Once your application has been reviewed and accepted, you’ll receive confirmation of your investment details and instructions for transferring funds.

    • Investment amount
    • Selected term
    • Applicable rate
    • Funding instructions
    • Investment documentation

  5. Transfer your investment

    Fund your VERIFIED™ Facility.

    Transfer your investment using the funding instructions provided after acceptance.

    Interest begins accruing from the day your cleared funds are received.

  6. Start earning interest

    Your money starts working from day one.

    Once your cleared funds are received, interest begins accruing at the rate applicable to your VERIFIED™ Facility.

    There’s no waiting period after cleared funds are received before interest starts accruing.

Interest from day one

Start earning as soon as your funds clear.

Once your investment has been accepted and cleared funds are received, interest starts accruing immediately at the rate applicable to your VERIFIED™ Facility.

This means your investment begins earning interest from the date your cleared funds are received, rather than waiting for a later investment cycle or monthly commencement date.

  1. Application accepted
  2. Funds transferred
  3. Funds clear
  4. Interest starts accruing

Designed to be simple

Less paperwork. More clarity.

Woman using a laptop in an armchair beside indoor plants

Online application

Complete your application digitally without unnecessary paperwork.

Guided verification

Clear prompts guide you through the identity and investor information required.

Clear confirmation

See your selected amount, term and rate before funding your investment.

Simple funding

Receive clear instructions for transferring your investment once your application is accepted.

Who uses term facilities?

Fixed income for a range of investment needs.

Term facilities can appeal to investors who value a known investment period, an agreed rate and the ability to plan around a defined term.

Woman seated at a wooden table in a bright room

Investors seeking fixed-income exposure

Investors looking to allocate part of a portfolio to fixed-income opportunities with clearly defined terms and rates.

SMSFs

Self-managed super funds may consider term-based investments as part of a broader strategy, subject to their investment strategy and applicable requirements.

Companies with surplus cash

Businesses with capital not immediately needed for operations may consider fixed-term opportunities when planning their treasury or cash allocation.

Family offices and larger investors

Investors managing larger pools of capital may use different term durations as part of a broader fixed-income allocation.

Investors focused on income

Investors focused on income and defined investment periods, including those approaching or in retirement, may consider fixed income as part of a diversified portfolio.

Investors diversifying their portfolio

Some investors explore fixed-income opportunities beyond conventional transaction and savings accounts as part of a broader investment portfolio.

Examples of common use cases only, subject to eligibility. Whether an investment is suitable depends on your own circumstances.

Flexibility across terms

Different terms. Different horizons.

Some investors choose to spread capital across more than one term, creating different maturity dates rather than having an entire investment mature at once.

Multiple facilities may allow investors to create a series of maturity dates while accessing the rates available for each selected term.

Illustrative example only

$300,000 split across three terms

$100,00012 months · 7.95% p.a.
Matures
$100,00024 months · 8.60% p.a.
Matures
$100,00036 months · 8.95% p.a.
Matures

One facility matures each year, rather than the full amount at once.

Before you start

Have a few details ready.

Depending on the investor type, you may need:

  • Personal or entity details
  • Identity information
  • Contact information
  • Your investment amount
  • Your preferred investment term
  • Bank account details
  • Information required for verification and compliance

The application will guide you through exactly what’s required.

Start Application
Application
Application progress60%
  1. Investor Details
  2. Verification
  3. 3Investment
  4. 4Review
  5. 5Complete
Illustrative preview

After funding

Stay informed about your investment.

Once your facility is established, your investment information is available through your account, giving you a clear record of your investment details.

  • Investment amount
  • Applicable rate
  • Commencement date
  • Maturity date
  • Facility status
  • Relevant documents

What it can look like

A simple example.

  1. MondayApplication submitted
  2. TuesdayApplication reviewed and accepted
  3. WednesdayFunds transferred and cleared
  4. WednesdayInterest starts accruing

Illustrative process only. Actual timing may vary depending on verification, banking and application requirements.

Current rates

Compare available terms.

View current rates across terms from 6 months to 10 years.

View Current Rates

Calculator

See Your indicative return.

Enter an investment amount and term to estimate the return based on current rates.

Calculate Returns

FAQs

Questions about the process.

View All FAQs Ask a question

How long does the application process take?

The online application itself is designed to be quick to complete.

The overall timeframe depends on your investor structure, verification requirements and whether any additional information is needed. We aim to keep the process as efficient as possible.

When does interest start?

Interest starts accruing from the day cleared funds are received for your accepted VERIFIED™ Facilities investment.

What is the minimum investment?

The minimum investment is $100,000.

You can apply to invest more than the minimum, subject to the applicable investment terms and acceptance process.

How do I transfer funds?

Funding instructions are provided after your application has been reviewed and accepted.

Interest starts accruing from the day your cleared funds are received.

Can I apply as a company, trust or SMSF?

Yes. Individuals, companies, SMSFs and trusts are accepted.

Get started

Open your VERIFIED™ Facility.

Choose your term, complete your application online and start earning interest from the day your cleared funds are received.

Apply Now Request Brochure
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