Cash Management Account

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Features & Benefits
Rates & Fees
How to Apply

Features & Benefits

The Cash Management Account offers a competitive interest on your everyday transaction account with easy access to your money. There’s no fixed-term contracts and if you maintain a balance of $5,000 or more, we’ll even waive the account service fee.

High-interest transaction account
Earn interest on balances over $5,000
No monthly account service fee*
When you maintain at least $5,000 in your account
Auto-sweep
Avoid the awkward moments with Auswide Bank’s Auto-sweep service that ‘sweeps’ funds from one Auswide Bank account to another when there is not quite enough in your account
Unlimited withdrawals
At any Auswide Bank ATM or branch
Near real-time payments
Fast, secure payments with PayID and Osko
Tap and pay with your smart device
Add your Auswide Bank cards to Apple Pay or Google Pay™ for an easy way to pay at the checkout
Plant, not plastic^
Our standard Visa Debit Card is made from a plant-based material and will safely break down in landfill without releasing any toxins or microplastics
Safe and secure
This account is protected by the Australian Government deposit guarantee. Up to $250,000 of deposits in 'protected accounts' held by an entity with Auswide Bank are covered under the Financial Claims Scheme

Balance	Interest Rate (p.a)
up to $4,999.99	0.00% p.a.
over $4,999.99 up to $19,999.99	0.20% p.a.
over $19,999.99 up to $49,999.99	0.40% p.a.
over $49,999.99 up to $99,999.99	0.65% p.a.
over $99,999.99 up to $249,999.99	2.40% p.a.
over $249,999.99 up to $499,999.99	3.25% p.a.
over $499,999.99	3.25% p.a.

Fees	Amount
Monthly fee*	$0 when a balance of at least $5,000 is maintained $5 when the balance falls below $5,000 at any time in the month
Interest paid	View our On-Call Deposit Account Interest Rates for details
Direct debit	$0
External payment	$0
ATM withdrawal	$0 When withdrawn at an Auswide Bank ATM or branch^#
BPAY®	$0
Cheque deposit processing	$0
Cash deposit	$0
All fees and charges	View our Guide to Personal Bank Accounts for details

How to Apply

Start your application online today.

Enquire online

Simply fill out our online enquiry with your contact details.
Wait for our response

We’ll reach out in 1-3 business days with an update on your application.
It’s on the way

Once approved, you’ll receive your new Visa Debit card in 5 – 7 business days. In the meantime log into Auswide Bank mobile app or internet banking to get started.

If you have $5,000 or more saved, why not put into a Term Deposit and earn money on your savings.

Whether you invest $5,000 or $5 million, we'll help you make your money grow.

Have some questions?

We’re here to help.

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Important Information

¹ Interest tiered and paid on full balance. Interest calculated on opening daily balance and paid monthly.

*The monthly Account Service Fee may also be waived if you have an active term deposit held under the same client number as your Cash Management Account.

#Auswide Bank branded ATMs are classified as ATMs displaying the Auswide Bank logo.

^Our Visa Debit Card is made from plant-based material PLA (Polyactic Acid). It contains no PVC and is made from plant-based material using renewable resources such as corn-starch and sugarcane. While the card still needs elements like a microchip and antenna to perform its job, the body of the card is made from 100% plant-based material and will safely break down in landfill without releasing toxins or micro plastics.

To decide if a product is appropriate for you, please carefully read the relevant product terms & conditions or disclosure statement. View the Target Market Determination for this product.

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105

Google Pay is a trademark of Google LLC.

® Registered to BPAY Pty Ltd (ABN 69 079 137 518)