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Westpac / Transaction & savings
Cash Investment Account
The Westpac Cash Investment Account has been designed with Westpac share investors in mind by offering access to low brokerage, competitive interest rates, convenient features and seamless trade settlements.
Updated 15 May 2026Individually tailored product
- Deposit rate type
- Variable
- Rate
- 1.2%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 0 to 9999
- Unit of measure
- Dollar
- Minimum value
- $0.00
- Maximum value
- $9,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 0.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 1.2%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 10000 to 19999
- Unit of measure
- Dollar
- Minimum value
- $10,000.00
- Maximum value
- $19,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 10000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 1.2%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 20000 to 49999
- Unit of measure
- Dollar
- Minimum value
- $20,000.00
- Maximum value
- $49,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 20000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 1.2%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 50000 to 99999
- Unit of measure
- Dollar
- Minimum value
- $50,000.00
- Maximum value
- $99,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 50000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 1.65%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 100000 to 249999
- Unit of measure
- Dollar
- Minimum value
- $100,000.00
- Maximum value
- $249,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 100000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 2.25%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 250000 to 499999
- Unit of measure
- Dollar
- Minimum value
- $250,000.00
- Maximum value
- $499,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 250000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 2.25%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 500000 to 999999
- Unit of measure
- Dollar
- Minimum value
- $500,000.00
- Maximum value
- $999,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 500000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 3%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- 1000000 to 4999999
- Unit of measure
- Dollar
- Minimum value
- $1,000,000.00
- Maximum value
- $4,999,999.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 1000000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
- Deposit rate type
- Variable
- Rate
- 3%
- Calculation frequency
- 1 day
- Application type
- Periodic
- Application frequency
- 1 month
- Tiers
- Name
- Above 4999999
- Unit of measure
- Dollar
- Minimum value
- $5,000,000.00
- Rate application method
- Per tier
- Applicability conditions
- Rate applicability type
- Min deposit amount
- Additional value
- 5000000.00
- Additional info
- Interest is calculated daily using a tiered interest rate, meaning the particular interest rate that applies to you will depend on the daily closing balance of your Cash Investment Account.
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
- Telephone Banking
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Automated telephone banking
- Name
- Online Banking
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Westpac Online Banking
- Name
- Direct Debit
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- Direct Debits ? Westpac Share Trading.
- Name
- Branch assisted deposit
- Fee type
- Deposit
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Name
- Branch assisted withdrawal
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Additional info
- $5.00 (From 01 December 2022, Nil)
- Name
- Self served deposits
- Fee type
- Deposit
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Name
- Self served withdrawals
- Fee type
- Withdrawal
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Name
- Pay Anyone
- Fee type
- Payment
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $0.00
- Name
- Overdrawn
- Fee type
- Event
- Fee method utype
- fixedAmount
- Fixed amount
- Amount
- $15.00
- Additional info
- This fee is applicable for each transaction that: 1.Overdraws your account or further overdraws the account;2.Is a withdrawal against uncleared funds; or 3.Exceeds the available funds in the account at the time of the transaction.(Other Bank Charges) $9.00 per item (From 01 December 2022, $15.00)
- Feature type
- Other
- Additional info
- Enjoy our lowest brokerage rate starting from $4.95 when you settle your trades through a Westpac Cash Investment Account.
- Feature type
- Other
- Additional info
- Receive a competitive at-call interest rate with interest calculated daily and paid monthly.
- Feature type
- Fraud protection
- Additional info
- The product includes fraud protection features.
- Feature type
- Relationship management
- Additional info
- Relationship management is available for eligible customers.
- Feature type
- Other
- Additional info
- No minimum account balance is required to earn interest.
- Feature type
- Other
- Additional info
- No monthly account service fee and free electronic transactions
- Feature type
- Digital banking
- Additional info
- 24/7 access to your account via Online Banking and Mobile Banking.
- Feature type
- Other
- Additional info
- View your available funds when placing a trade.
- Feature type
- Other
- Additional info
- Enjoy the benefit of having one account to manage your investment cash flows.
- Feature type
- Other
- Additional info
- Option to participate in our Dividend Direction Service. Save time and enjoy the convenience of your Westpac Cash Investment Account being automatically nominated to receive your dividends.
- Feature type
- Other
- Additional info
- Our Dividend Direction Service offers you the convenience of having your Westpac Cash Investment Account automatically nominated to receive the dividends from all your current CHESS sponsored holdings.
- Feature type
- Other
- Additional info
- The account can be opened online or through a Private Banker.
- Feature type
- Other
- Additional info
- Funds at call facility is available for this product .
- Feature type
- Other
- Additional info
- You will get quarterly regular statements.
- Feature type
- Other
- Additional info
- Interest is paid on monthly basis.
- Feature type
- Digital banking
- Additional info
- Bills can be paid using BPAY.
- Feature type
- Other
- Additional info
- Direct debits can be set up.
- Feature type
- Digital banking
- Additional info
- With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.
- Feature type
- Other
- Additional info
- Must be linked to a Westpac Share Trading account.
- Eligibility type
- Min age
- Additional value
- 18
- Additional info
- Individuals and business customers must be over 18 years of age.
- Eligibility type
- Other
- Additional info
- Individuals must have an Australian Residential Address. Business customers must be operating using an Australian address.
- Eligibility type
- Other
- Additional info
- Individuals and business customers must Hold a Westpac Share Trading account in the same name (at the time of opening the Westpac Cash Investment account)
- Eligibility type
- Other
- Additional info
- Individuals must be using the account for predominantly personal purposes.
- Eligibility type
- Business
- Additional info
- Business customers must be a company, sole trader, partnership, association, trust, not-for-profit organisation or self-managed superannuation fund.
No limits & conditions were provided.
No bundles were provided.