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Self managed super is easier than ever, with all you need to use, move and manage your SMSF cash in one place.

Features and benefits

One central hub

A secure cash account, designed specifically for SMSF Trustees, to seamlessly use, move and manage cash for your self managed super.

Simple and flexible

Easy to manage a variety of SMSF cash flows such as superannuation contributions, rollovers, investments, ATO payments and more.

Earn competitive interest

Grow your SMSF cash by earning interest from the tiered interest rate.disclaimer

No monthly fees

With no monthly fees and unlimited transactions, you can move your SMSF cash as often as you like. Saving on fees also means more money towards your SMSF goals.

Rates and fees


Monthly account service fee


Minimum opening balance


Included ANZ transactions


SMSF tiered interest rates


Variable tiered interest ratesdisclaimer

$0 - $9,999


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

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.

How to use your SMSF Cash Hub Account


Manage payments to ATO and service providers. Available payment methods include BPAY®disclaimer, direct debit, electronic and telegraphic transfers.

Shares and managed funds

Nominate this account with your investment provider to receive distributions and dividends. Make regular contributions to your investments. 

Contributions and rollovers

Receive superannuation contributions and member rollover payments.

Investment property

Fund property deposits, pay loan repayments and expenses. Receive rental income and settlement funds.


Make transfers to a member transaction account (pension or lump sum payments).

Term deposit

Invest in a term deposit and receive interest and matured funds to your SMSF Cash Hub Account.

Easy access to your SMSF cash

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.


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.

ANZ Branches

We have over 550 branches across Australia. So if you prefer to do your banking in person you can speak to one of our friendly staff members.

Frequently Asked Questions

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.

  • Before you can start using your ANZ SMSF Cash Hub Account we’ll need to verify the ID for any trustee(s) of the SMSF who will operate the account.
  • All beneficial owners (also known as appointers) need to be fully verified, if there are any beneficiaries listed, their full name, DOB and address must be provided.

You can bring one form of primary IDdisclaimer:

  • Australian driver’s licence
  • Australian Passport or Foreign Passport
  • Proof of Age card

Or two forms of secondary IDdisclaimer:

  • Birth certificate
  • Australian or Foreign citizenship certificate
  • Australian Medicare card or Australian Taxation Office (ATO) assessment notice.
  • Please bring along a physical copy of the original SMSF Trust Deed for verification. A certified copy of SMSF Trust Deed can be provided as long as it’s certified within 90 days. We cannot accept digital copies of the trust deed.
  • Note: Accounts usually open within 2-3 business days post visiting the branch.

How do I set up an SMSF Cash Hub Account?

Visit a branch

Locate an ANZ branch near you.

Locate us

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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 or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

ANZ SMSF Cash Hub account is a bank account used to manage cash transactions for your SMSF. This account is not a superannuation product.

It is the responsibility of the trustee(s) to comply with all relevant obligations, including superannuation and tax laws.

The trustee(s) need to be aware of their obligations, including as they relate to deposits and withdrawals from their SMSF Cash Hub Account. ANZ recommends that you seek independent financial, legal and taxation advice.

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.


BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518. 


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.


If your identification document is written in a language other than English, you must provide a translation into English by a translator who is accredited by the National Accreditation Authority for Translators and Interpreters.