WestpacCash Investment Account
The Westpac Cash Investment Account has been designed with Westpac share investors in mind by offering access to low brokerage, competitive interest rates, convenient features and seamless trade settlements.
Savings & transaction accountsBank updated 16 Oct 2026
At a glance
- Base rate
- 1.20%
- Monthly fee
- $0
Rates
Every rate Westpac publishes for this account, 9 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. Please re… | - | - | up to $9,999 | 1.20% | - | 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. Please re… | - | - | $10,000–$19,999 | 1.20% | - | 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. Please re… | - | - | $100,000–$249,999 | 1.65% | - | 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. Please re… | - | - | $1,000,000–$4,999,999 | 3.00% | - | 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. Please re… | - | - | $20,000–$49,999 | 1.20% | - | 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. Please re… | - | - | $250,000–$499,999 | 2.25% | - | 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. Please re… | - | - | $50,000–$99,999 | 1.20% | - | 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. Please re… | - | - | $500,000–$999,999 | 2.25% | - | 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. Please re… | - | - | $5,000,000+ | 3.00% | - | paid every 1 mo; Min deposit amount |
Fees
10 fees published, grouped by when they're charged.
While you hold it1
- Account Keeping FeeNo fee
When you make a transaction6
- Branch assisted depositNo fee
- Self served depositsNo fee
- Direct Debit
Direct Debits ? Westpac Share Trading.
No fee - Pay AnyoneNo fee
- Branch assisted withdrawal
$5.00 (From 01 December 2022, Nil)
No fee - Self served withdrawalsNo fee
When particular things happen3
- Online Banking
Westpac Online Banking
No fee - Overdrawn
This fee is applicable for each transaction that: 1.Overdraws your account or further overdraws the account;2.Is a withdrawal against uncleared funds; or 3.Exceeds the available funds in the account…
$15 - Telephone Banking
Automated telephone banking
No fee
Features
Digital bankingFraud protectionRelationship manager
- Enjoy our lowest brokerage rate starting from $4.95 when you settle your trades through a Westpac Cash Investment Account.
- Receive a competitive at-call interest rate with interest calculated daily and paid monthly.
- No minimum account balance is required to earn interest.
- No monthly account service fee and free electronic transactions
- View your available funds when placing a trade.
- Enjoy the benefit of having one account to manage your investment cash flows.
- Option to participate in our Dividend Direction Service. Save time and enjoy the convenience of your Westpac Cash Investment Account being automatically nominated to receive your dividends.
- Our Dividend Direction Service offers you the convenience of having your Westpac Cash Investment Account automatically nominated to receive the dividends from all your current CHESS sponsored holding…
- The account can be opened online or through a Private Banker.
- Funds at call facility is available for this product .
- You will get quarterly regular statements.
- Interest is paid on monthly basis.
Eligibility and limits
- Minimum age 18
- Available to businesses
- Individuals must have an Australian Residential Address. Business customers must be operating using an Australian address.
- Individuals and business customers must Hold a Westpac Share Trading account in the same name (at the time of opening the Westpac Cash Investment account)
- Individuals must be using the account for predominantly personal purposes.
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Published by Westpac under the Consumer Data Right, last changed by them on 16 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.