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.

Competitive daily interest 

Enjoy a variable tiered interest rate on balances over $10k and below $5m.

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.


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 

Your account balance   Your interest rate
 $0 - $10,000  % pa
$10,000.01 - $250,000 % pa
$250,000.01 - $5,000,000 % pa
Greater than $5,000,000 % 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  % pa $5,000 x % / 365 x 15
$10,000.01 - $250,000 $15,000 15 % pa $15,000 x % / 365 x 15
Total interest paid


So where do you park your cash?
If you’re waiting to invest in shares, property or ETFs, you don’t need to settle for a low rate.

Ready to open an AMP Cash Manager account?


What do I need to apply?

Applying online is easy and will take you about five minutes to complete. You’ll need a valid form of identification. Once you’ve applied, download the My AMP app from the Apple or Google Play store to start banking online. Your Visa Debit card will arrive by mail soon after we’ve approved your application.

What are the fees?

There are no ongoing account management fees, including for regular deposits or withdrawals. Some fees and charges for special services may apply, such as a duplicate statement fee. Read our Deposit products fees and charges guide for more information.

Can I link to a savings account?

Yes, like an AMP Saver Account. Apply for both accounts at the same time in the online AMP Cash Manager Account application form.

Is my money secure?

The Australian Government guarantee protects combined deposits up to $250,000 per customer in the unlikely event a financial institution fails.


Documents & downloads

Terms & conditions

AMP Cash Manager for your business

Our business banking Cash Manager account is available for sole traders, Australian proprietary companies, unregulated trusts and other entity types.

Contact us

If you need assistance or have any questions, get in touch.

Call 13 30 30
Email info@ampbanking.com.au
Weekdays 8am - 8pm Sydney time
Weekends 9am - 5pm Sydney time


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 amp.com.au/bankterms 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 amp.com.au/fsg 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 % 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  https://support.apple.com/en-us/HT208531

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  and is subject to change without notice.