Term Deposit Platform

At Fundzcorp Financial Services we understand that many of us have different financial circumstances and investment strategies which can influence our investment choices. At times finding the right investment solutions can be time consuming with having to shop around to compare different rates and financial institutions to place your term deposit within.

At Fundzcorp Financial Services our friendly advisory team are here to assist you to reduce the time and hassle of finding the best term deposit that suits your current financial situation and investment goals.

A Term Deposit is a deposit held at a financial institution that has a fixed term. These are generally short-term with maturities ranging anywhere from a month to a few years. When a term deposit is purchased, the lender (the customer) understands that the money can only be withdrawn after the term has ended or by giving a predetermined number of days’ notice.

Term deposits are a safe investment with a number of banks and institutions are provided with a government guarantee of up to $250,000 and are therefore very appealing to conservative, low-risk investors. A permanent guarantee cap of $250,000 has been in place since 1 February 2012 this protects depositors by guaranteeing deposits (up to the cap) held within Authorised Deposit Taking Institutions (ADI’s) and allows quick access to deposit if an ADI becomes insolvent.

By having the money tied up you’ll generally get a higher rate with a term deposit compared with a transaction or cash management account.

At Fundzcorp we can exclusively offer you the Term Deposit Platform:

•    Term deposit account set up, we manage the paperwork for you!
•    Highly competitive wholesale Term Deposit rates.
•    Weekly Term Deposit Rate Specials.
•    Personal Term Deposits and Term Deposits within Superannuation (including SMSF).
•    Access to the major banks – CBA, NAB, ANZ, BWA.

Term Deposit Platform

Giving you the power to maximise the interest on your Term Deposits

  • Australian Money Market (AMM) is an innovative, fully transactional, cash deposit platform. Only one application form is required to access more than 20 Australian banks, building societies and credit unions
  • Centralised access to interest rates (including daily specials) through a single portal saves you time and gives you control in choosing the best rate
  • Simple switching process means you maximize your returns and avoid having your funds automatically reinvested at lower non-competitive rates with the same institution
  • Simple bank to bank transfers with funds always securely invested in your name
  • All institutions covered by the Government Financial Claims Scheme


Australian Money Market (AMM) is a private company that was established in 2007 and runs a cash deposit broking business via its online platform. Funds under management have grown to over $4.6 billion across more than 24,000 accounts. AMM operates under the Australian Financial Services License of DDH Graham Limited (AFSL No.226319), a Brisbane based funds management and administration organisation.

How does the process work?

AMM easily moves funds between financial institutions via a central cash movement account. All investments, including the central cash movement account, are held in your name and you receive a confirmation for each investment directly from the institution providing the term deposit. After receiving instructions from your financial adviser, funds are placed with your chosen institution to gain the best interest rate. When an investment reaches maturity, it can be reinvested without the need to complete further application forms with any one of a range of Australian banks. Alternatively funds can be redeemed and passed back to your pre-nominated personal cheque/savings account.

How do I know my money is safe?

The investment is ALWAYS in your name. Ownership of the funds is always with you and cannot be transferred to anyone else. All the banks and credit unions listed on the platform are covered by the Government Financial Claims Scheme up to $250,000.

Why is it only one application form?

The initial application form is the only application form you are required to sign. This single application form provides access to the rates of all the institutions we deal with and gives AMM the authority to open investments with all institutions in your name. You will receive confirmations from the institutions as if you dealt with them directly. AMM collect your identification in the initial application process, and provide copies to each institution as required.

What happens at maturity?

AMM will contact your financial adviser a week prior to any maturing investment. Upon instruction, AMM will either reinvest the funds into the institution and term of your choice, or redeem the funds as required. AMM never automatically rolls over the funds and therefore avoids significant risk of the investment rolling over from a high interest rate to a low interest rate with the same institution. If no instructions are received, funds are returned to your cash movement account to await further instructions.

What do we do with your information?

The information required to open an account is stored securely within our database. We do not use the details for any other purpose unless specifically instructed. We follow strict security procedures in both the storage and disclosure of personal information and fully observe our responsibilities and obligations as required by the Privacy Act 1988 which regulates the collection, storage, quality, use and disclosure of personal information.

Contact your Adviser today to discuss your Term Deposit Needs!

Download the brochure here



General Advice Disclaimer

This information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Professional Investment Services (PIS) Authorised Representative before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Professional Investment Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.