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 29 Oct 2026

Apply at St.George Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate: 0.10%
Monthly fee: $0

How it compares

This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 2.25%

0%1%2%3%4%

This account: 0.10%Every other institution's highest, 60 in all

Paid whatever you deposit or spend. One dot per institution, at its highest savings rate with no bonus conditions anyone can apply for; hover or tap a dot for its name.

Rate	This account	Best anywhere	Typical institution	Where it sits
No bonus conditionsPaid whatever you deposit or spend	0.10%	4.80%MoveBank's Online Saver	2.25%of 61 institutions	52nd highest of 61, level with 3 others

Rates

Every rate St. George Bank publishes for this account, 8 in all.

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 $5,000	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–$20,000	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–$250,000	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–$50,000	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–$500,000	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–$10,000	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–$100,000	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

Rate changes

8 changes logged, newest first.

Date	Rate	Was	Now	Change
22 Sept 2026	Variable, up to $4,999	0.45%	0.10%	down 0.35
22 Sept 2026	Variable, $10,000–$19,999	0.45%	0.10%	down 0.35
22 Sept 2026	Variable, $100,000–$249,999	0.45%	0.10%	down 0.35
22 Sept 2026	Variable, $20,000–$49,999	0.45%	0.10%	down 0.35
22 Sept 2026	Variable, $250,000–$499,999	0.45%	0.10%	down 0.35
22 Sept 2026	Variable, $5,000–$9,999	0.45%	0.10%	down 0.35
22 Sept 2026	Variable, $50,000–$99,999	0.45%	0.10%	down 0.35
22 Sept 2026	Variable, $500,000+	0.45%	0.10%	down 0.35

Each change is logged the night it appears in the rates St.George Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

11 fees published, grouped by when they're charged.

While you hold it1

Account Keeping Fee
No fee

When you make a transaction7

Bank@Post
No fee
Collection Item
No fee
EFTPOS
No fee
Foreign Currency Conversion Fee
3.00% of transaction
Telephone Banking
No fee
Direct Debit
No fee
Overseas Withdrawal
$5

When particular things happen3

Cheque
No fee
Online Banking
No fee
Staff assisted
No fee

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…

Eligibility and 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.

Compare it with others

All savings & transaction accounts Other St.George Bank savings & transaction accounts Everything St.George Bank publishes

Put this product through a calculator

Published by St.George Bank under the Consumer Data Right, last changed by them on 29 Oct 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.