Introductory offer: 4.00% p.a.^ on new cash management accounts

Available on balances over $20,000. Manage your funds with flexibility and control designed for easy access, secure transactions, and competitive interest.

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

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Earn 4.00% p.a.^

Interest is calculated daily on money held in your account and paid monthly.
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Easy access to funds

Make everyday transactions, transfers, and payments with ease.
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Connect to Apple Pay and Google Pay™

Tap and pay with ease from your digital wallet.
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No withdrawal penalties

Enjoy total freedom and flexibility.
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Backed by the Financial Claims Scheme

Eligible deposits are protected up to $250,000 per customer.
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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.
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Helpful information

Terms and conditions

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

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

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

^Offer available from 10 December 2025 to customers who have not held a CMA deposit account with Goldfields Money within the last 6 months (since 1 June 2025). Our special rate, is 0.20% p.a. above our current standard CMA variable rate, to customers who deposit a minimum opening amount of $20,000 up to $2,000,000 (Maximum limit). For amounts over the maximum limit, standard CMA pricing is available which you can enquire about by phoning 1300 464 465. The rate of 0.20%p.a. is fixed above the standard CMA variable rate for 3 months from the date the account is opened during the offer period and is subject to change should the CMA variable rate change. After the expiry of the special rate period the interest rate will revert to the standard variable interest rate for our CMA accounts available at that time (currently the CMA variable rate is 3.80%p.a.) but may be extended for a further period in our discretion. The special rate is calculated daily on the amount of the balances held in the account and is credited monthly. 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 and read the relevant terms and conditions, Financial Services Guide, Product Disclosure Statements 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.

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