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Farm Management Deposit Account

A tax efficient investment account for primary producers that can help you manage uneven cashflow.

About the farm management deposits scheme

The farm management deposits (FMD) scheme is a government initiative that helps primary producers cope with uneven cashflow.

You can find out more about the scheme at the Department of Agriculture & Water Resources website.


Manage your cashflow from year to year

Manage your financial risk

Prepare for cash shortfalls caused by market variability, climate, and natural disasters.

Flexible investment options

Receive competitive rates for deposits between $1,000 and $800,000  and choose between three-month and three-year terms. 

Build cash reserves for low income periods

Choose a variable at-call or fixed term deposit account with possible tax concessions to help you build cash reserves for leaner years.

Rates and termsdisclaimer

Current fixed term interest rate specials

6 months

Investments of $1,000 to $800,000


12 months

Investments of $1,000 to $800,000

24 months

Investments of $1,000 to $800,000

At-call rates also available


Investments of $1,000 to $800,000

More FMD rates and terms


To be eligible for the farm management deposit scheme, you must:

  • Be an individual primary producer with taxable non-primary production income of no more than $100,000
  • Invest a minimum of $1,000 and not more than $800,000
  • Hold a farm management deposit for at least 12 months to qualify for tax concessions

How to apply

1800 462 474

Mon-Fri 8am to 8pm (AEST)

Need help with your existing account?   1800 462 474



Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF 104kB) before acquiring the product.

This is general information only and does not constitute tax advice. We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether this product is right for you.

Please refer to the ANZ Farm Management Deposits - Terms and Conditions (PDF 193kB) and ANZ Farm Management Deposit Acknowledgement Form (PDF 1.9MB).

Interest rates shown on this page are current as at Monday 24 June 2019 and are subject to change.