The Investment Cash Account is a bank account that offers a variable interest rate, with easy access to funds. It can be used to make deposit and withdrawals through a variety of channels for individuals and Self-Managed Superannuation Funds (SMSF).
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 0.10% | Variable · $0–$5,000 | CDR | 1 Nov 2026 | |
| 0.10% | Variable · $5,000–$10,000 | CDR | 1 Nov 2026 | |
| 0.10% | Variable · $10,000–$20,000 | CDR | 1 Nov 2026 | |
| 0.10% | Variable · $20,000–$50,000 | CDR | 1 Nov 2026 | |
| 0.10% | Variable · $50,000–$100,000 | CDR | 1 Nov 2026 | |
| 0.10% | Variable · $100,000–$250,000 | CDR | 1 Nov 2026 | |
| 0.10% | Variable · $250,000–$500,000 | CDR | 1 Nov 2026 | |
| 0.10% | Variable · $500,000 or more | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMInvestmentCashAccounts- Content hash
sha256 0f36c551fb781dd7670322673976dcea601c186f637cac3fbb32cf6b9ca7105a- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_0f36c551fb781dd7_1efc4198Show details
- Checked
- 1 Nov 2026
- URL
https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMInvestmentCashAccounts- Content hash
sha256 0f36c551fb781dd7670322673976dcea601c186f637cac3fbb32cf6b9ca7105a- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Keeping Fee | Periodic | $0.00 |
| Telephone Banking | Transaction | $0.00 |
| Online Banking | Event | $0.00 |
| EFTPOS | Transaction | $0.00 |
| Staff assisted | Event | $0.00 |
| Bank@Post | Transaction | $0.00 |
| Cheque | Event | $0.00 |
| Direct Debit | Withdrawal | $0.00 |
| Overseas Withdrawal | Withdrawal | $5.00 |
| Collection Item | Transaction | $0.00 |
| Foreign Currency Conversion Fee | Transaction | 3.00% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Access to funds at any time through a variety of channels (e.g. Internet and Phone Banking, branch, and debit card) | |
| Other | Variable interest rates may apply and credit interest paid monthly | |
| Other | No minimum opening balance required | |
| Digital banking | Make non-cash payments via services such as BPAY, Pay Anyone, OSKO and Overseas Telegraphic Transfer (OTT) and Direct Debit | |
| Other | Automate deposits such as your salary and investment income with direct credits. | |
| Other | May earn a variable interest rate from the first dollar, calculated daily, paid monthly | |
| Digital banking | Easy at call access - In branch, ATMs, 24/7 Internet and Phone Banking, eftpos, BPAY and Bank@Post | |
| Other | Cash hub for SMSF investors - Can be your cash hub account for your Self-Managed Super Fund and investments | |
| Other | Internet Banking - View transactions online anytime with Internet Banking. | |
| Other | Statements - Paper Statements posted to you every 6 months. Mini transaction history available at any Bank of Melbourne ATM. View, print and save up to 2 years of statements online when you choose eStatements. Yearly interest summary - view and print your Financial Year interest summary with Internet Banking. | |
| Notifications | SMS and Email Alerts - Keep track of when deposits and withdrawals are made on your account with SMS / email alerts. | |
| Eligibility: min age | 18 | For personal use: Be 18 years of age or over (signatory on the account). |
| Eligibility: residency status | For personal use: Have an Australian residential address. | |
| Eligibility: other | For an SMSF: Be a registered Self-Managed Superannuation Fund (SMSF). | |
| Eligibility: other | For an SMSF: Signatory on the account is aged 18 years of over. | |
| Eligibility: other | For an SMSF: Be operating using an Australian address. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $10,000–$20,000 | 1 Nov 2026 | Current | 0.10% |
| Variable · $50,000–$100,000 | 1 Nov 2026 | Current | 0.10% |
| Variable · $20,000–$50,000 | 1 Nov 2026 | Current | 0.10% |
| Variable · $0–$5,000 | 1 Nov 2026 | Current | 0.10% |
| Variable · $250,000–$500,000 | 1 Nov 2026 | Current | 0.10% |
| Variable · $5,000–$10,000 | 1 Nov 2026 | Current | 0.10% |
| Variable · $500,000 or more | 1 Nov 2026 | Current | 0.10% |
| Variable · $100,000–$250,000 | 1 Nov 2026 | Current | 0.10% |
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