BankSA
Investment Cash Accounts
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).
Savings & transaction accountsBank updated 22 Sept 2026
At a glance
- Base rate
- 0.10%
- Monthly fee
- $0
§ 01 — Rates · 8
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest 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. | — | — | up to $4,999 | 0.10% | — | paid every 1 mo; Min deposit amount |
| VariableInterest 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. | — | — | $10,000–$19,999 | 0.10% | — | paid every 1 mo; Min deposit amount |
| VariableInterest 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. | — | — | $100,000–$249,999 | 0.10% | — | paid every 1 mo; Min deposit amount |
| VariableInterest 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. | — | — | $20,000–$49,999 | 0.10% | — | paid every 1 mo; Min deposit amount |
| VariableInterest 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. | — | — | $250,000–$499,999 | 0.10% | — | paid every 1 mo; Min deposit amount |
| VariableInterest 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. | — | — | $5,000–$9,999 | 0.10% | — | paid every 1 mo; Min deposit amount |
| VariableInterest 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. | — | — | $50,000–$99,999 | 0.10% | — | paid every 1 mo; Min deposit amount |
| VariableInterest 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. | — | — | $500,000+ | 0.10% | — | paid every 1 mo; Min deposit amount |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cheque | Event | No fee | — | — |
| Direct Debit | Event | No fee | — | — |
| Online Banking | Event | No fee | — | — |
| Staff assisted | Event | No fee | — | — |
| Collection Item | Payment | No fee | — | — |
| Account Keeping Fee | Periodic | No fee | Every 1 mo | — |
| EFTPOS | Transaction | No fee | — | — |
| Foreign Currency Conversion Fee | Transaction | 3.00% of transaction | — | — |
| Telephone Banking | Transaction | No fee | — | — |
| Bank@Post | Withdrawal | No fee | — | — |
| Overseas Withdrawal | Withdrawal | $5 | — | — |
§ 03 — Features
Digital banking
- · Variable interest rates may apply and credit interest paid monthly
- · No minimum opening balance required
- · Automate deposits such as your salary and investment income with direct credits.
- · May earn a variable interest rate from the first dollar, calculated daily, paid monthly
- · Cash hub for SMSF investors - Can be your cash hub account for your Self-Managed Super Fund and investments
- · Internet Banking - View transactions online anytime with Internet Banking.
- · Statements - Paper Statements posted to you every 6 months. Mini transaction history available at any BankSA ATM. View, print and save up to 2 years of statements online when you choose eStatements.…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: For personal use: Have an Australian residential address.
- · For an SMSF: Be a registered Self-Managed Superannuation Fund (SMSF);
- · For an SMSF: Signatory on the account is aged 18 years of over;
- · For an SMSF: Be operating using an Australian address.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by BankSA under the Consumer Data Right, last changed by them on 22 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.