We improve your bottom line by achieving the best rates on Term Deposits, Notice and Cash Management accounts. We do this through providing a portal for multi-banks to quote on your request and enabling fast and efficient price discovery and execution. Intermediary. Aggregator. Best Available Rates. Fully Transparent. Fast and Secure. We do not have access to your funds.

It is perhaps not common knowledge that interest rates in the $2 trillion deposit market can vary significantly (by more than 50%)  across the more than 140 Australian Banks and the spreads can be quite dramatic. Equally important is the fact that it is very difficult to do like-for-like comparison as the banks have differing products and promotions and specials. Keep up to date with our index (Likwidex).  Smart investors and businesses knows that finding the best rate or investment is just good practice. You do in all other areas of your life but somehow ignore this for cash, mainly because its time consuming. No longer!!

Our Next Gen Deposit Platform radically simplifies the way you invest cash and term deposits. Faster, simpler and most importantly, securing the best rates in the market.

Likwidity enables you to easily place a Request for Quotation (“RFQ”) and the order is automatically routed to a range of participating banks who will then quote on your RFQ within your time frames. Our system then automatically selects the best available rate and submits the rates to you for confirmation. ​Complete transparency on rates and pricing with NO commissions.

With the traditional way you have to spend time:

  • Searching bank websites for rates (very time consuming)
  • Phone the banks (finding the correct person)
  • Send an email to the banks (unstructured)
  • View comparative websites (Retail rates)
  • Do nothing and leave money with the current bank

Likwidity offer best possible rate with just one click!

  1. Press the Quote Button
  2. Confirm the best rate
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Where Can We Help You?

Enterprise Platform

As an organisation, you want to optimise your Returns on Funds /Capital Employed (ROFE/ROCE) . Efficient dealing platform combined with management dashboard over portfolio and pro-active maturities.

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Individuals and Family Office

Our service is unquestionably focused on optimising the returns on the cash (Deposits) component of your wealth portfolio. Our platform provides a simple and fast process to obtain best rates with full transparency on rates and fees. No invisible commission.

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Self Managed Super Funds (SMSF)

Research shows that many SMSF entities have a large cash component in their portfolio that is mainly invested in a low interest account. If your savings are earning less than inflation, then you are also losing your capital. Likwidity provides a simple platform to ensure that you are getting the highest available cash rates.

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Wealth Advisors

You are looking for than just convenience. Your clients expect that you also seek the best market return for their funds. We combine not just convenience but full transparent delivery of best and auditable rates that you can prove to your clients. Get ahead of the curve with openness and transparency

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Key Term Deposit Interest Rates

Highest available rates from our panel of participating Banks. Variance amount based on difference between high and low Term Deposit.

3 Months


Low Rate: 1.45%

6 Months


Low Rate: 1.50%

12 Months


Low Rate: 1.50%

Rates shown are indicative and for illustrative purposes, and are sourced from publicly available information. Likwidity operates as a bidding platform and the rates obtained could be different from the rates shown over are. The final rates are at the discretion of the individual bank.

Superior Deposit Rate

No more searching! In less than a few seconds, tell us how much and what term and in your specified time frame we deliver the concluded trade showing the multiple quoted rates from banks and ADI's. Seamless and easy

Simple and easy

Rates offered for cash and term deposits differ significantly amongst deposit taking institutions. Our purpose is simple. Our system finds the best interest rates for your cash investment

Safe & Secure

We never have access to your account or funds. Our platform provides price discovery and execution capability but no funds transfer capability

Data Security

Likwidity is hosted in the AWS Cloud platform using platforms hardened by Amazon. All data into and down to the database is encrypted along with all backups.

Zero Commission

Unlike other intermediaries, we offer a zero commission service. You as a client will receive the quoted rate offered with NO commission* charged. That alone will deliver a significant tangible value.​


We back up our commitment with auditable multi bank quotes so that you are in no doubt. Improve compliance and transparency. A trusted and rewarding service to clients.

Stop Searching, Start Doing

Don't send your time searching. It's time consuming and imperfect. Just submit once. Our system collates multiple quotes and brings the best rate to you.

Maturity Risk

By not actively managing maturing contracts, the Term Deposit will automatically be rolled over at a potentially low rate. Likwidity actively engages investors to ensure optimal rates..

Would you like to start a conversation?

Likwidity would be pleased to hear from you and answer any questions you might have.