ANZ Premium Cash Management Account

Manage your investment cash flow with easy access to your money.

Rates and fees Calculators and tools	Security FAQs

Rates and fees^{Superscript: 1}

Rates and fees
Monthly account service fee	$0
Minimum opening balance	$0
Minimum ongoing balance	$0
Included ANZ Transactions per month	Five - as defined in the ANZ Personal Banking Account Fees and Charges booklet.^{Superscript: 2} Unlimited Internet Banking Transactions
Additional transaction fees^{Superscript: 2}	Staff assisted - $2.50 Electronic – 50c Cheque – 50c Internet Banking - included

For more details about fees read ANZ Personal Banking Account Fees and Charges

Rates and fees
Amount	Tiered variable interest rate^{Superscript: 3}
$0 - $9,999	0.00% p.a.
$10,000 - $24,999	0.05% p.a.
$25,000 - $49,999	0.05% p.a.
$50,000 - $99,999	0.05% p.a.
$100,000 - $249,999	0.05% p.a.
$250,000 - $499,999	0.05% p.a.
$500,000 - $4,999,999	0.15% p.a.
$5,000,000 plus	0.15% p.a.

What is tiered interest? This means that the balance of your account on each day determines the interest rate that applies to the whole balance of your account on that day.

Take care of the day to day with the ANZ App^{Superscript: 4}

Join over three million users who are using the app to get on top of their money. You can see more information about your purchases, make payments in as little as 60 seconds with PayID^{Superscript: 5}, temporarily block and unblock your card, and so much more. Find out more

Download the app now.

How to apply

Take a moment to review how ANZ Premium Cash Management Account works to help you decide if it's right for you.

About ANZ Premium Cash Management Account

Features

Start earning tiered interest when your balance is $10,000 or more^{Superscript: 3}^{Superscript: 6}
Unlimited Internet Banking Transactions
5 other ANZ Transactions fee-free each month (Fees and charges apply after that).^{Superscript: 2}

Things to consider

If the balance falls below $10,000 then 0% interest will be earned
Some transactions always incur fees, like overseas transaction fees and bank cheques^{Superscript: 7}
Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged interest^{Superscript: 8}
This account is for personal use only. View our business accounts

Apply online

If you're ready to apply and have your documents^{Superscript: 8}handy, you can get started now.

Eligibility criteria:

Australian residents
An Australian residential and mailing address
12 years or older
This account is for personal use

Apply now

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

Other ways to apply

ANZ Internet Banking

If you’ve registered, log in and select open a new account. Then click on the Bank accounts tab and look for ANZ Premium Cash Management Account.

Call us

We're available Mon-Fri 8.00am to 8.00pm (AEST).

13 33 33

Visit a branch

Locate an ANZ branch near you.

Locate us

Ready to apply?

Apply now

It takes less than 10 minutes to apply.

Other ways to apply: Visit any ANZ Branch or call 13 33 33 Mon to Fri, 8am to 8pm.

Security

ANZ Internet Banking Guarantee

When using ANZ Internet Banking or the ANZ App, you’ll be reimbursed for any unauthorised transactions, provided that you have complied with the applicable product terms and conditions, and any applicable Electronic Banking Conditions of Use contained in your product terms and conditions.

Government Deposit Guarantee^{Superscript: 9}

Some extra peace of mind for banking in Australia. Deposits of up to $250,000 with ANZ can be covered by the Australian Government’s Financial Claims Scheme. This means that this money is guaranteed if anything happens to ANZ.

Extra security to unlock extra features

ANZ Shield is a mobile app that gives you extra security so you can unlock extra features for ANZ Internet Banking. Use ANZ Shield to easily verify your ANZ Internet Banking activities wherever you are.

Generate a one-time ANZ Shield code to:

Make larger payments online
Reset your forgotten ANZ Internet Banking password
Manage your daily Pay Anyone limit in real-time
Instantly update your banking profile

Calculators and tools

Frequently asked questions

Where can I find out more about current interest rates?

It's important to understand the interest rates, fees, and terms and conditions that apply to an account.

Find out more

How do I schedule regular payments between accounts?

Using ANZ Internet Banking you can schedule up to ten multiple future dated payments, transfers and bill payments from one or more accounts.

This allows you to schedule a mix of the following payment/transfer types at once:

Pay Anyone
Transfer between my accounts
Pay BPAY® bills

Find out more

How do I check my account balance?

We have several ways to ensure you can access your transaction and account balance information when it suits you, which include Internet Banking, mobile banking and phone banking. For more information on:

Viewing balances in Internet Banking

Using phone banking to check transactions or balances

Using mobile banking to check transactions or balances

Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

BPAY® is registered to BPAY Pty Ltd ABN 69079137518.

1. For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use and ANZ Personal Banking Account Fees and Charges.

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2. Additional ANZ Transactions charged as: Electronic Transactions $0.50 each, and Staff Assisted Transactions $2.50 each. Other fees may apply (including non-ANZ ATM operator fees, overseas ATM fees and overseas transaction fees). Please refer to the ANZ Personal Banking Account fees and Charges booklet (PDF) for definitions of ANZ Transactions, Electronic Transactions and Staff Assisted Transactions and and for fees and charges that apply.

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3. The interest rate is tiered. This means that the balance of your account on each day determines the interest rate that applies to the whole balance of your account on that day.

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4. The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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5. Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.

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6. If the balance falls below $10,000 then 0% interest will be earned.

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7. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.

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8. Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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9. The guarantee applies to the total balance held in one or more ANZ deposit accounts by each legal entity, up to a maximum amount of A$250,000. For further information please refer to the Financial Claims Scheme.

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10. ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account. Monthly fees may apply to the linked account.

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11. Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees may apply to foreign currency transactions where an ANZ Access Visa Debit card is accepted. Please refer to ANZ Personal Banking Account Fees and Charges and ANZ Saving & Transaction Products Terms and Conditions for details.

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ANZ Premium Cash Management Account

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Rates and fees

Rates and fees^{Superscript: 1}

Take care of the day to day with the ANZ App^{Superscript: 4}

How to apply