skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Premium Cash Management Account 

Manage your investment cash flow or hold money for your next investment opportunity in our ANZ Premium Cash Management Account. You could earn tiered interest and have easy access to your money.





Features and benefits

Tiered interest rates

Deposit a minimum of $10,000 and start earning interest at a tiered rate.disclaimer Different balances attract different rates.disclaimer If your account balance is above a certain level, we will pay a higher rate of interest on the whole balance. See current interest rates


Easy access to your money

Five free ANZ Transactions per month - as defined in the ANZ Personal Banking Account Fees and Charges booklet.disclaimer You can bank 24/7 with ANZ ATMs, ANZ Internet Banking, ANZ App and ANZ Phone Banking.disclaimer

Rates and feesdisclaimer

Rates and fees
Monthly account service fee


Minimum opening balance 


Minimum ongoing balance 


Included ANZ Transactions per month 

Five - as defined in the ANZ Personal Banking Account Fees and Charges booklet.disclaimer

Additional transaction feesdisclaimer

Staff assisted  - $2.50
Electronic  – 50c
Cheque – 50c
Internet Banking - free

Rates and fees

Tiered variable interest ratedisclaimer

$0 - $9,999

$10,000 - $24,999

$25,000 - $49,999

$50,000 - $99,999

$100,000 - $249,999

$250,000 - $499,999

$500,000 - $4,999,999

$5,000,000 plus

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.

Ways to bank

Access what you need when you need it with our range of simple and secure digital banking tools.

ANZ Internet Banking

Complete online banking across multiple compatible devices. With ANZ Internet Banking you can manage your accounts, pay and transfer money, access online statements and a whole lot more.

Learn more


Make the everyday a little bit easier and do your banking on the go.disclaimer View balances, transfer money and make payments simply and easily.

Learn more

ANZ Branches

We have over 800 branches across Australia. So if you prefer to do your banking in person you can speak to one of our friendly staff members. 

Learn more


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 Electronic Banking Conditions of Use.

Government Deposit Guaranteedisclaimer

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



Apply online

Apply now

To complete an online application you will need an Australian residential address and have accepted ID

Call us

1800 008 177

Mon-Fri, 8am to 8pm (AEST)


Visit a branch

Locate us

You may also be interested in

Earn interest and access your savings online

With ANZ Online Saver  you can access your money via your linked ANZ everyday account.disclaimer Check out our bonus interest offer for new customers. 

Learn more

Our everyday account

Use your money the way you want with ANZ Access Advantage. Unlimited ANZ transactions and Visa Debitdisclaimer access make everyday banking easy. 

Learn more

Want to invest your savings?

Our term deposits are a great way to invest your money and lock your savings away. 

Learn more

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 Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide (PDF 104kB) which are available at 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. Google Play and the Google Play logo are trade marks of Google Inc.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

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.

Back to top

Additional ANZ transactions charged as: Electronic transactions $0.50 each, staff assisted transactions $2.50 each, cheque transactions $0.50 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 190kB) for definitions of ANZ transactions, electronic transactions, staff assisted transactions and cheque transactions, and for fees and charges that apply.

Back to top

 Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 180kB) for fees and charges that apply.

Back to top

Additional ANZ Transactions charged as: Electronic Transactions $0.50 each, Staff Assisted Transactions $2.50 each, Cheque Transactions $0.50 each. ANZ Transactions, Electronic Transaction, Staff Assisted Transactions and Cheque Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF 136kB) booklet.

Back to top

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares 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 and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Back to top

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.

Back to top

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 Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account and ANZ Everyday Visa Debit. Terms and conditions and fees and charges apply to the eligible account.

Back to top

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 (PDF 112kB) and ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) for details.

Back to top