Investment is all about seeing and acting on opportunity. So, you need to be able to move your cash at a moment’s notice. AMP Cash Manager is a flexible cash management account that lets you seize any opportunity with access to your money when you want, with a great rate and no ongoing and account fees, so you can invest however you like, whatever your idea of wealthy.   



Get ready to invest your way with AMP Cash Manager 

Real-time payments

Send and receive payments quickly and easily.

No ongoing or account fees

Don’t pay any account service or domestic ATM fees.

Earn daily interest 

Ongoing competitive variable tiered rate with no minimum deposit.

Digital Wallet payments

Use Apple Pay, Samsung Pay and Google Pay1

Fully flexible

Use VISA debit card, eftpos and BPAY with all-in-one savings and transaction account.

24/7 access

Manage your account online, through MyAMP app or by phone.

Rates & eligibility


With AMP Cash Manager you’re getting a competitive rate in the market while you look around for your next investment opportunity, with no monthly or account fees.  

The interest rate you receive will depend on how much you have in your account. Interest accrues daily and is paid on the first day of the following month2

Effective date 27 November 2023

Your account balance   Your interest rate
 $0 - $10,000  0.60% pa
$10,000.01 - $250,000 4.80% pa
$250,000.01 - $5,000,000 4.35% pa
Greater than $5,000,000 0.00% pa


Here’s an example of how it works. 

If the month in which the interest is calculated has 30 days, and your balance is $5,000 at the close of business for the first 15 days and $15,000 for the remainder, then the interest you’ll receive on the first day of the next month is as follows: 

Tier  Account Balance  Days the funds sat in the account in the month  Interest rate How interest is calculated Interest paid
$0 - $10,000 $5,000  15  0.60% pa $5,000 x 0.60% / 365 x 15 $1.23
$10,000.01 - $250,000 $15,000 15 4.20% pa $15,000 x 4.20% / 365 x 15 $25.89
Total interest paid $27.12




  • Companies or organisations (including financial institutions)
  • Non-SMSF trusts
  • Government entities
  • Charities
  • Sole traders or partnerships.

Talk to a financial adviser to see what kind of saving strategy works best for your business.

Ready to open an AMP Cash Manager account? 

How to apply: 

Australian Registered Private & Publicly Listed Companies

Open an account for Australian proprietary companies

Apply online

Unregulated trusts

Open an account for unregulated trusts

Apply online

Sole Trader Accounts

You can apply on line. It takes around 10-15 mins to complete.

Apply online

Other entity types

1. Right-click the link
2. Select 'Save link as...' and save it to your desktop
3. Open Adobe Acrobat on your desktop
4. Access and complete the form - note: this will not work on a mobile device.

Access this form here


Documents & downloads

Terms & conditions



How can I apply?

If you’re an Australian company, unregulated trust, or sole trader, you can apply online, and it will take 10-20 minutes to complete. Other entities should download and complete the application form.

What are the fees?

There are no ongoing account management fees. Fees may apply for international transactions and special services such as a duplicate statement fee. Read the Deposit products fees and charges guide for more information.

Are my savings secure?

The Australian Government guarantee protects combined deposits up to $250,000 per customer.

Can SMSFs open a Cash Manager?

SMSFs are not eligible. However, they can apply for an AMP SuperEdge Cash Account. Visit the page for more information.

Contact us

Mon - Fri: 8am – 8pm (AEST)
Sat & Sun 9am – 5pm (AEST)

Lost / Stolen Cards: 24 hours / 7 days a week

Important information

The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

This information is provided by AMP Bank Limited. Read our Financial Services Guide available at for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice

A target market determination for these products is available on our TMD page.

All rates are variable and subject to change. Special service fees apply. Balances over $5,000,000 are available at our discretion. 

*Up to 4.80% pa for certain account balances. To get this rate, it is based on your accumulated account balance and the interest you can now earn. The tiered interest rate table is provided above to help you calculate your return.   

1  Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. 

Devices compatible with NFC point of sale terminals for contactless transactions include Samsung Galaxy Note 5, Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S7, Galaxy S7 edge, Galaxy A5, Galaxy A7, Galaxy S9 and Galaxy S8+. All devices are compatible with MST point of sale terminals for swipe transactions except for Galaxy S6, Galaxy S6 edge and Gear S2. 

2 Information including interest rates is correct as at 27 November 2023 and is subject to change without notice.