--- title: "Cash Investment Account — Westpac" description: "Transaction & Savings Accounts from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/westpac/products/WestpacCashInvestmentAcc source: "CDR Compare" language: en-AU last_updated: 2026-05-15T00:00:00Z --- # Cash Investment Account — Westpac > Transaction & Savings Accounts from Westpac. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts** 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. ## At a glance - **Base rate:** 3% ## Apply Applications are handled by the provider: [Apply at Westpac](https://www.westpac.com.au/personal-banking/share-trading/join/open-account/) ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Variable (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. · Minimum deposit amount) | 1.2% | 0 to 9999 | monthly | | Variable (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. · Minimum deposit amount) | 1.2% | 10000 to 19999 | monthly | | Variable (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. · Minimum deposit amount) | 1.2% | 20000 to 49999 | monthly | | Variable (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. · Minimum deposit amount) | 1.2% | 50000 to 99999 | monthly | | Variable (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. · Minimum deposit amount) | 1.65% | 100000 to 249999 | monthly | | Variable (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. · Minimum deposit amount) | 2.25% | 250000 to 499999 | monthly | | Variable (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. · Minimum deposit amount) | 2.25% | 500000 to 999999 | monthly | | Variable (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. · Minimum deposit amount) | 3% | 1000000 to 4999999 | monthly | | Variable (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. · Minimum deposit amount) | 3% | Above 4999999 | monthly | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Account Keeping Fee — Charged monthly | Ongoing | $0.00 | | Telephone Banking — Automated telephone banking | Event | $0.00 | | Online Banking — Westpac Online Banking | Event | $0.00 | | Direct Debit — Direct Debits ? Westpac Share Trading. | Event | $0.00 | | Branch assisted deposit | Deposit | $0.00 | | Branch assisted withdrawal — $5.00 (From 01 December 2022, Nil) | Withdrawal | $0.00 | | Self served deposits | Deposit | $0.00 | | Self served withdrawals | Withdrawal | $0.00 | | Pay Anyone | Payment | $0.00 | | 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 at the time of the transaction.(Other Bank Charges) $9.00 per item (From 01 December 2022, $15.00) | Event | $15.00 | ## Features - **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.** - **Fraud protection** (The product includes fraud protection features.) - **Relationship management** (Relationship management is available for eligible customers.) - **No minimum account balance is required to earn interest.** - **No monthly account service fee and free electronic transactions** - **Digital banking** (24/7 access to your account via Online Banking and Mobile Banking.) - **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 holdings. ** - **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.** - **Digital banking** (Bills can be paid using BPAY.) - **Direct debits can be set up.** - **Digital banking** (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.) - **Must be linked to a Westpac Share Trading account.** ## Eligibility - **Minimum age** — 18 years (Individuals and business customers must be over 18 years of age.) - **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.** - **Business customers** (Business customers must be a company, sole trader, partnership, association, trust, not-for-profit organisation or self-managed superannuation fund.) ## More information from Westpac - [Overview](https://www.westpac.com.au/personal-banking/share-trading/cash-investment-account/) - [Terms & conditions](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Westpac_Cash_Investment_Account_T_C.pdf) - [Eligibility](https://www.westpac.com.au/personal-banking/share-trading/cash-investment-account/) - [Fees & pricing](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Westpac_Cash_Investment_Account_T_C.pdf) ## Data provenance - Published by Westpac under the Consumer Data Right - Product ID: `WestpacCashInvestmentAcc` - Last updated by the provider: 15 May 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/WestpacCashInvestmentAcc - Provider page: https://www.cdrcompare.au/brands/westpac - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/WestpacCashInvestmentAcc) — product data published by Australian data holders under the Consumer Data Right. 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