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Farm Management Deposit Account

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

How to apply

What you'll find:

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Rates and terms


How to apply

What is 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.

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.

Flexible investment options

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

Rates and terms

interest rates for anz farm management deposits

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 from for investments of $1,000 to $800,000

More FMD rates and terms here



Some things to check off

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

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Call us

To apply or seek help for your existing account, call between Mon-Fri 8am to 6pm (AEST)

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) 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).