{
  "source": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/WestpacCashInvestmentAcc",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "WestpacCashInvestmentAcc",
    "lastUpdated": "2026-05-15T00:00:00Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Cash Investment Account",
    "description": "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.",
    "brand": "Westpac",
    "applicationUri": "https://www.westpac.com.au/personal-banking/share-trading/join/open-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.westpac.com.au/personal-banking/share-trading/cash-investment-account/",
      "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Westpac_Cash_Investment_Account_T_C.pdf",
      "eligibilityUri": "https://www.westpac.com.au/personal-banking/share-trading/cash-investment-account/",
      "feesAndPricingUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Westpac_Cash_Investment_Account_T_C.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Enjoy our lowest brokerage rate starting from $4.95 when you settle your trades through a Westpac Cash Investment Account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Receive a competitive at-call interest rate with interest calculated daily and paid monthly."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes fraud protection features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Relationship management is available for eligible customers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum account balance is required to earn interest."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account service fee and free electronic transactions"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your account via Online Banking and Mobile Banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "View your available funds when placing a trade."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Enjoy the benefit of having one account to manage your investment cash flows."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "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. "
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "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 holdings. "
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "The account can be opened online or through a Private Banker."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Funds at call facility is available for this product ."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You will get quarterly regular statements."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest is paid on monthly basis."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Bills can be paid using BPAY."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct debits can be set up."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Must be linked to a Westpac Share Trading account."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Individuals and business customers must be over 18 years of age."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Individuals must have an Australian Residential Address. Business customers must be operating using an Australian address."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "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)"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Individuals must be using the account for predominantly personal purposes."
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Business customers must be a company, sole trader, partnership, association, trust, not-for-profit organisation or self-managed superannuation fund."
      }
    ],
    "fees": [
      {
        "name": "Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Telephone Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Automated telephone banking "
      },
      {
        "name": "Online Banking",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Westpac Online Banking"
      },
      {
        "name": "Direct Debit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Direct Debits ? Westpac Share Trading."
      },
      {
        "name": "Branch assisted deposit",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Branch assisted withdrawal",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "$5.00 (From 01 December 2022, Nil)"
      },
      {
        "name": "Self served deposits",
        "feeType": "DEPOSIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Self served withdrawals",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Pay Anyone",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Overdrawn",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalInfo": "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 at the time of the transaction.(Other Bank Charges) $9.00 per item (From 01 December 2022, $15.00)"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.012",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "0 to 9999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "0.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.012",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "10000 to 19999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "19999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "10000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.012",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "20000 to 49999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "20000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.012",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "50000 to 99999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0165",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "100000 to 249999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0225",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "250000 to 499999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "maximumValue": "499999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "250000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0225",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "500000 to 999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "999999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "500000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "1000000 to 4999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.00",
            "maximumValue": "4999999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Above 4999999",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "5000000.00"
          }
        ],
        "additionalInfo": "Interest 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."
      }
    ]
  }
}