While you're learning about the share market or between investments, your money is held in a cash investment account earning a competitive rate of interest.

ANZ Cash Investment Account Interest Rates
Cash Account Balance* Interest Rate
$1 - $99,999 0.10%p.a.
$100,000 - $249,999 1.00%p.a.
$250,000 - $499,999 1.50%p.a.
$500,000+ 1.75%p.a.

* These rates only apply to those customers who have an ANZ Cash Investment Account. ANZ interest rates effective from Monday 23 January 2017 and may be subject to change without notice.


Make money while you wait to invest
When you open an ANZ Share Investing account, we'll also set up an ANZ Cash Investment Account in which to hold money in between your trades. With our interest rate, you'll be earning money while you wait to invest.

Is there a minimum usage fee?

If you do not meet the following criteria you will be obliged to pay and we will charge you an Account Maintenance Fee of $19.95 per quarter to continue to receive our Standard Level of Service.

  • At the end of the preceding calendar quarter, the total value of your ANZ Cash Investment Account and your Trading Account (excluding any Foreign Securities) combined is greater than $10,000; or
  • During the preceding 6 months, you execute at least one trade.


Debit Interest

If your Cash Account becomes overdrawn, ANZ will charge interest on the overdrawn amount at the ANZ Retail Index Rate plus a margin of 2% per annum. The overdrawn amount and any interest on that amount will be debited to your Cash Account. The ANZ Retail Index Rate is published on and each week in the Australian Financial Review.

You must repay the overdrawn amount and pay any accrued interest on our or ANZ's demand for repayment. However, if your Cash Account has a debit balance for more than 60 days, the overdrawn amount and any accrued interest become due and payable immediately.


Features of the ANZ Cash Investment Account
  • No fixed term
  • Earn the applicable interest rate on your entire balance
  • Interest is calculated daily and paid monthly into your account
How it works
To start buying shares, you will need to ensure there are enough cleared funds in your Cash Account to cover the cost of the trade. On settlement date, we will transfer the funds out of your Account. For share sales, the proceeds will be transferred to your Cash Account, and your funds are available the next working day.


How to deposit money into your ANZ Cash Investment Account

There are five ways you can deposit funds.
  1. BPAY® - biller code is 6437
  2. Electronic Transfer – 'Pay Anyone' transfer service - BSB number is 012-012
  3. ANZ Internet & Phone Banking
  4. Telegraphic Transfer
  5. Cheque or Money Order

More information on how to withdraw funds from your ANZ Cash Investment Account.


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Getting Started
Before investing with ANZ Share Investing, you'll need to open an account - it's free to join!


Learn more about Global shares. Watch the demo.

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Don’t know your cash account number? 
You can find this at the bottom of the Account Balances page.