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Westpac / Transaction & savings
Business Cash Reserve Savings
Earn interest on your collected GST and access your funds anytime you need them with our most popular business online savings account
Updated 13 Aug 2026Individually tailored product
- Deposit rate type
- Variable
- Rate
- 0.45%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 0.00 to 4999.00
- Unit of measure
- Dollar
- Minimum value
- $0.00
- Maximum value
- $4,999.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 0.00
- Deposit rate type
- Variable
- Rate
- 0.45%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 5000.00 to 9999.00
- Unit of measure
- Dollar
- Minimum value
- $5,000.00
- Maximum value
- $9,999.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 5000.00
- Deposit rate type
- Variable
- Rate
- 0.45%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 10000.00 to 24999.00
- Unit of measure
- Dollar
- Minimum value
- $10,000.00
- Maximum value
- $24,999.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 10000.00
- Deposit rate type
- Variable
- Rate
- 0.45%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 25000.00 to 49999.00
- Unit of measure
- Dollar
- Minimum value
- $25,000.00
- Maximum value
- $49,999.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 25000.00
- Deposit rate type
- Variable
- Rate
- 0.6%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 50000.00 to 249999.00
- Unit of measure
- Dollar
- Minimum value
- $50,000.00
- Maximum value
- $249,999.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 50000.00
- Deposit rate type
- Variable
- Rate
- 1.15%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 250000.00 to 499999.00
- Unit of measure
- Dollar
- Minimum value
- $250,000.00
- Maximum value
- $499,999.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 250000.00
- Deposit rate type
- Variable
- Rate
- 1.15%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 500000.00 to 999999.00
- Unit of measure
- Dollar
- Minimum value
- $500,000.00
- Maximum value
- $999,999.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 500000.00
- Deposit rate type
- Variable
- Rate
- 1.3%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 1000000+
- Unit of measure
- Dollar
- Minimum value
- $1,000,001.00
- Rate application method
- Whole balance
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 1000000.00
No lending rates were provided.
- Name
- Account Keeping Fee
- Fee type
- Periodic
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional value
- 1 month
- Name
- Overdrawn Fee
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Additional info
- $15.00 per occurrence
- Name
- Self-Service (Electronic) Withdrawals
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Name
- Self-Service (Electronic) Deposits
- Fee type
- Deposit
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Name
- Cheques Collected / Deposited
- Fee type
- Transaction
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $3.00
- Additional info
- Cheques collected or deposited (Additional charge for the branch transaction applies)
- Name
- Staff-Assisted Withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $3.00
- Additional info
- These transactions are not available, however if they occur, a $3.00 fee will be charged for each transaction.
- Name
- Staff-Assisted Deposit
- Fee type
- Deposit
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $3.00
- Name
- Periodical Payments
- Fee type
- Transaction
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Name
- Telephone Banking
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Unlimited free self-service enquiries
- Name
- Online Banking
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Account enquiries are always free when you use Online Banking.
- Feature type
- Unlimited txns
- Additional info
- Unlimited transfers between other Westpac Business accounts held by customer in the same name(s) as the Westpac Business Cash Reserve account, using Business Online Banking or automated Group Telephone Banking only
- Feature type
- Other
- Additional info
- No account-keeping fees: Earn interest on your surplus funds, noting that zero interest rates may apply from time to time.
- Feature type
- Other
- Additional info
- $0 linked account transfers: Move cash to and from your Westpac transaction account via Online Banking or the Westpac App.
- Feature type
- Other
- Additional info
- Access your money 24/7: Get access to your savings at anytime, anywhere. Access to funds subject to system availability.
- Feature type
- Other
- Additional info
- Bucket your savings: Create multiple accounts for expenses like GST and tax to avoid a cash flow crunch when payments are due
- Feature type
- Digital banking
- Feature type
- Other
- Additional info
- Tiered interest is paid on certain balances
- Feature type
- Other
- Additional info
- Interest is paid on monthly basis
- Feature type
- Other
- Additional info
- You have choice of 3 or 6 monthly statements.
- Feature type
- Other
- Additional info
- Unlimited free self-service enquiries.
- Feature type
- Fraud protection
- Additional info
- The product includes FRAUD_PROTECTION features.
- Feature type
- Fraud protection
- Additional info
- Westpac Protect Online Banking Security Guarantee. If your Westpac account is compromised due to Online Banking fraud, we guarantee to repay any missing funds, provided you comply with our Online Banking Terms and Conditions.
- Feature type
- Other
- Additional info
- Account enquiries are always free when you use Online Banking.
- Eligibility type
- Min age
- Additional value
- 18
- Additional info
- Applicant plus all signatories
- Eligibility type
- Residency status
- Additional value
- Operating in Australia with an Australian address
- Eligibility type
- Other
- Additional info
- Eligible entities include sole traders, partnerships, companies, associations, self-managed super funds, trusts and not-for-profit organisations
- Eligibility type
- Other
- Additional info
- Must not be an individual using the account for predominantly personal purposes
- Eligibility type
- Other
- Additional info
- Needs an eligible Westpac business transaction account to link to.
No limits & conditions were provided.
No bundles were provided.
From the bank
No application link was provided. Contact the bank to ask about this product.