St. George Bank
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 St.George ATM. View, print and save up to 2 years of statements online when you choose eStatement…
§ 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 St.George Bank 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.