Boost your savings with a 5.10%^ p.a. introductory rate.

This offer is available to new customers on balances over $20,000 and is fixed at 0.60% p.a. above the standard CMA variable rate for 3 months.

Overview

BNK’s cash management account (CMA) is a flexible, interest-earning solution designed to help you manage your transactions with ease and efficiency. Whether you’re consolidating cash, managing investment income, or looking for a secure place to park funds between transactions, our CMA offers a simple way to keep your money working for you. With no monthly account-keeping fees and competitive interest rates, it’s ideal for individuals, businesses, and SMSFs seeking a smarter way to manage liquidity.

Enjoy the convenience of 24/7 online access, real-time payments, and seamless integration with other BNK accounts. Our CMA puts you in control – allowing you to move money when you need to, while earning interest daily. Backed by the Australian Government’s Financial Claims Scheme, giving you protection of up to $250,000, our CMA gives you peace of mind and practical financial control, all in one.

Features

percent

Earn 4.50% p.a.^

Interest is calculated daily on money held in your account and paid monthly.
smartphone

Easy access to funds

Make everyday transactions, transfers, and payments with ease.
shopping-cart

Connect to Apple Pay and Google Pay™

Tap and pay with ease from your digital wallet.
ban

No withdrawal penalties

Enjoy total freedom and flexibility.
shield

Backed by the Financial Claims Scheme

Eligible deposits are protected up to $250,000 per customer.
monitor-smartphone

24/7 online and mobile banking

Monitor and manage your cash flow anywhere, anytime.

Take control of your cashflow

Open a BNK cash management account and enjoy interest on your balance, total flexibility, and no monthly fees - perfect for managing your cash with confidence.
Open an account

Helpful information

Terms and conditions

Full details on eligibility, interest payments, and other important information.
Download

Fees and charges

Review the costs associated with your account, including any applicable fees, to help you manage your money with clarity.
Download

Target Market Determination

Outlines the intended customers for this product and the conditions under which it is offered.
Download

Frequently asked questions

What is a cash management account?

A cash management account (CMA) is a flexible deposit account designed to help you manage your money efficiently. It offers competitive interest rates, easy access to your funds, and the ability to make payments or transfers. CMAs are ideal for managing day-to-day cash flow while earning interest on your balance.

Are there any fees on my cash management account?

No. There are no account keeping fees associated with your cash management account, as long as you operate your account correctly.

Things you should know

^Promotional Interest Rate: 5.10%p.a.

Promotional Period: Fixed for 3 months from the date of account opening.

Eligibility:

Available to customers from 16 October 2026 who:

  • Open a new Cash Management Account (CMA) during the promotional period;
  • Have not held a CMA with Goldfields Money at any time during the six (6) months immediately preceding the date of account opening;
  • Deposit and maintain a balance of at least $20,000 and up to a maximum of $2,000,000 in the CMA.

Promotional Rate:

The rate applies to eligible balances between $20,000 and $2,000,000 which will earn interest at a promotional rate of 5.10% per annum for the first three (3) months from the account opening date.

Any portion of the account balance exceeding $2,000,000 will earn interest at the applicable standard CMA interest rate unless otherwise determined by Goldfields Money, which you can enquire about by phoning 1300 464 465.

The rate is calculated daily on the amount of the balances held in the account and is credited monthly

Reversion Rate

At the conclusion of the three-month promotional period, the account will automatically revert to the standard CMA interest rate applicable at that time, currently 4.50% per annum.

Goldfields Money Discretion

Goldfields Money reserves the right, in its absolute discretion, to extend the promotional interest rate period for a further period or periods and on such terms as it determines.

General Conditions

  • Interest rates on CMAs are variable unless stated otherwise and are subject to change in accordance with the account terms and conditions.
  • The promotional offer cannot be combined with any other CMA promotional interest rate offer unless expressly approved by Goldfields Money .
  • Goldfields Money may withdraw, vary or terminate this offer at any time for new applications. Any such change will not affect promotional rates already applied to eligible accounts unless otherwise required by law.
  • All accounts are subject to Goldfields Money’ s account opening requirements, terms and conditions, and applicable laws and regulations.
  • Goldfields Money don’t charge any account keeping fees in connection with our CMA account but there may be other charges to the account, such as charges by other financial institutions

Information provided is general only and does not take into account your personal objectives, financial situation, or needs. Any rates advertised are current as at the date indicated and are subject to change. Eligibility criteria, fees, and charges may apply. You should seek independent advice where appropriate and read the relevant terms and conditions, Financial Services Guide, Terms and Conditions and Target Market Determinations for the product(s) before deciding if the product(s) is right for you. This information has been prepared by BNK Banking Corporation Limited ABN 63 087 651 849 trading as Goldfields Money, AFSL and Australian Credit Licence 246884

Google Pay is a trademark of Google Inc. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.