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    AMP Cash Manager

    Get ready to invest your way with AMP Cash Manager

    • Real-time payments

    • No ongoing or account fees

    • Fully flexible with use of VISA Debit card, EFTPOS and BPAY

    • Manage your account online through My AMP or by phone

    Apply Now
    Earn daily interest

    Enjoy a variable tiered interest rate on balances over $10k and below $5m.

    View all interest rates and fees
    Digital Wallet payments

    Use Apple Pay, Samsung Pay and Google Pay1.

    Explore ways to bank

    The interest rate you receive will depend on how much you have in your account. Interest accrues daily and is paid on the first day of the following month2. 

    Effective date

    Account balance Interest rate
    $0 - $10,000 % pa
    $10,000.01 - $250,000 % pa
    $250,000.01 - $5,000,000 % pa
    Greater than $5,000,000 % pa


    2 Information including interest rates is correct as at and is subject to change without notice. 

    Here’s an example of how it works. 

    If the month in which the interest is calculated has 30 days, and your balance is $5,000 at the close of business for the first 15 days and $15,000 for the remainder, then the interest you’ll receive on the first day of the next month is as follows:

     
    Tier

    		 Account Balance Days the funds sat in the account in the month Interest rate How interest is calculated Interest paid
    $0 - $10,000 $5,000 15 % pa $5,000 x % / 365 x 15
    $10,000.01 - $250,000 $15,000 15 % pa $15,000 x % / 365 x 15
    Total interest paid        

     

    • Companies or organisations (including financial institutions)
    • Non-SMSF trusts
    • Government entities
    • Charities
    • Sole traders or partnerships.

    Talk to a financial adviser to see what kind of saving strategy works best for your business.

    Ready to open an AMP Cash Manager Account?
    Ready to open an AMP Cash Manager Account?

    • Registered Private & Publicly Listed Companies

      Open an account for Australian proprietary companies.

      Apply online

    • Sole Trader Accounts

      You can apply online in around 10-15 minutes.

      Apply online

    • Other entity types

      Save the link and open in Adobe Acrobat on your desktop to access and complete the form.

      Access this form here
    Any questions?

    Get more information on how this product works, eligibility and how to apply.

    If you’re an Australian company, unregulated trust, or sole trader, you can apply online, and it will take 10-20 minutes to complete. Other entities should download and complete the application form.

    There are no ongoing account management fees, including for regular deposits or withdrawals. Some fees and charges for special services may apply, such as a duplicate statement fee. Read our Deposit products fees and charges guide for more information.

    The Australian Government guarantee protects combined deposits up to $250,000 per customer.

    SMSFs are not eligible. However, they can apply for an AMP SuperEdge Cash Account. Visit the page for more information.

    Contact us

    If you need assistance or have any questions, get in touch.

    Call    13 30 30
    Email    info@ampbanking.com.au

    Weekdays 8am - 8pm Sydney time
    Weekends 9am - 5pm Sydney time

    Learn more about banking with AMP

    • Interest rates & fees
    • Calculators
    • Banking FAQs
    • Contact us
    Important
information

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

    It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

    Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

    This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice. 

    A target market determination for these products is available on our TMD page.

    Footnotes

    All rates are variable and subject to change. Special service fees apply. Balances over $5,000,000 are available at our discretion.

    *Up to % pa for certain account balances. To get this rate, it is based on your accumulated account balance and the interest you can now earn. The tiered interest rate table is provided above to help you calculate your return.

    1  Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see  https://support.apple.com/en-us/HT208531.

    Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

    Devices compatible with NFC point of sale terminals for contactless transactions include Samsung Galaxy Note 5, Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S7, Galaxy S7 edge, Galaxy A5, Galaxy A7, Galaxy S9 and Galaxy S8+. All devices are compatible with MST point of sale terminals for swipe transactions except for Galaxy S6, Galaxy S6 edge and Gear S2.

    2 Information including interest rates is correct as at  and is subject to change without notice.