Access your account online 24/7

Income Direct’s Fixed Interest Accounts are popular with high net worth clients seeking competitive returns and regular income. Key features include:

Income Direct's Fixed Income Account are available for individuals, joint names, companies, self-managed superannuation funds and trusts. Normal investment risks apply including default or delayed payment of principal or interest. We recommend all customers download and read our brochure and seek independent financial advice prior to making a decision to open an IBA account.

Calculate your earnings potential

The smart way to


on your capital

earn 5.95% - 8.75% p.a.


The frequency that your interest payments are made to your nominated account

Average rate of return on your agreement(s)

By withdrawing funds before the end of the contract, you confirm that you agree that no interest will be charged for the current contract. Are you sure you want to close the current contract?

We want access to your capital, and we are prepared to

Income Direct provides access to attractive interest rates by helping us increase our access to investible capital.

Our lenders receive a widely recognised instrument (a Bill of Exchange) in exchange for access to their capital until maturity.

A Bill of Exchange is a cost-effective means of legally recognising an obligation to pay, meaning we can pass on the cost savings to you in the form of competitive interest rates.

We have over $25 billion of projects to fund over the next 5 years across sectors including real estate, fintech, media, financial services and many more robust industries.

Help us fund over $5 billion worth of investment

Boost the yield on your idle capital. Don’t let your money just sit in your account and lose its value by being idle

Simple online application process and fast onboarding. You can start earning interest within as little as 24 hours

Login online and view your account statements, top-up or withdraw funds from your account when your contracts expire

Great Rates

Fast setup

Monthly statements

Open your account online by completing a simple online form

Choose your amount, term, interest and guarantee, and provide us with your banking details

Dedicated relationship manager for clients with $500,000 or more

Open account from just $1,000 or your local currency equivalent

Contact our dedicated support team

Our customer service team is available 24/7 across multiple time zones. We endeavor to respond to all new and existing customer queries within 4 hours.

Income Direct™ provides clients access to competitive interest rates. We help clients
 in 6 major currencies earn meaningful income via our 100% online platform

We are called Income Direct™ because there are no brokerage fees, adviser fees, fund management fees or performance fees. The bottom line is that you benefit by receiving competitive interest rates

Our fixed & variable interest rates are directly accessible to all client types regardless of your income or assets (i.e. there is no requirement to be a 'qualified' investor)

Income Direct™ helps everyday Australian's

activate their money

Choose Income Direct™ to earn more income on your capital. 100% online fixed interest rate solutions from 6-120 months. $250k minimum. Open an account in 2 minutes.

Note: Interest rates are fixed for the term of the bill of exchange contract. Contracts automatically renew for the same term unless 30 days notice is provided. You can provide us notice by logging in to your account and selecting "Withdraw"

We manage a diversified portfolio of assets across multiple countries, sectors and currencies

Your funding helps us fill over $5 billion of demand we have over the next 5 years alone. We believe in making meaningful and impactful investments and this is a key reason why clients choose Income Direct over the traditional options.

Our overnight courier delivers you the bill instrument for execution

If you opted for monthly interest we pay this to your nominated bank account by the 10th calendar day of each month in arrears

At maturity we are obligated to repay you, unless you choose to rollover for a further term, in which case we issue you an updated bill

I came across Income Direct while seeking a competitive return for a reasonably large investment. I needed to understand the differences and rationale between Income Directs rates, being double those being offered by High Street Banks, as well as concerns around fraudulent and scamming opportunists. I appreciated the help given by the Income Direct support team Members in my “due diligence” efforts particularly in determining and getting independent information from 3rd party organisations. It is a comfort having an Australian based organisation and Support Team and I really appreciate the professionalism I have experienced throughout the initial contact phase that has continued post investment.

I recently retired and have been researching a way to safely invest my retirement funds. I was looking for security and a good return on those funds for a long time. I had almost made a decision to go with another company when I contacted Brian Lewis from Income Direct. Brian helped me from making a huge mistake by investing with a dubious company. Instead he guided me through the features and benefits of investing with Income Direct. I found Brian and his team very easy and professional to deal with. After my first investment with them I have now made another. It is not easy to find someone trustworthy with all the scams out there. I am very confident with my retirement knowing they are a very important part of my future.

Thanks Lucy for looking after me, it’s hard to find a decent interest rate you can live off. Income Direct are looking after me.

A business that really cares about its clients.

As a private investor I have considered many different options for getting a good return on my capital. I am naturally conservative and sceptical. My decision to choose Income Direct was simple. I liked their responsiveness to my questions, transparency and the return I am getting on my money. If you are looking for good old-fashioned service and a competitive market offering I recommend Income Direct.

I would like to recommend Brian of Income Direct as a straight forward guy who sets out exactly the investments you are looking for with a minimum of fuss.He guides you through the process and advises you in layman’s terms what documents you will receive to satisfy any doubts or reservations you may have. I personally have invested a substantial sum of money with him & Income Direct and feel very comfortable with my outcome.

We email you a PDF copy of your contract and banking details for funds transfer

We love our clients as they enable us to continually grow the investment arm of our business

We believe in providing competitive but not sky-high returns as this gives us a manageable cost base whilst providing clients with a reliable rate of return on their capital.

You can use Income Direct platform to access attractive interest rates by putting your money to work

You receive a physical legal instrument delivered to your door and access to our dedicated client success team. Interest rates are fixed for the life of each contract.

Download documents

All clients are encouraged to download and read Income Direct's info-kit prior to opening a Income Direct Fixed Income Account.

Learn more about Income Direct's Fixed Income Account by requesting and reading our info-kit.

Request an Information Kit

Please follow the instructions in the email to open an account with Income Direct.

Request an Information Kit

Request a copy of Income Direct's Information Kit