Cash Management Account (personal)
A variable-rate savings account. The reviewed ongoing rate has no monthly activity requirements. An introductory offer is available to eligible customers.
On this page
Details
| Field | Value |
|---|---|
| Base | 4.50% |
| Ongoing | 4.50% |
| Ongoing cap | No cap |
| Intro | 5.10% |
| Intro cap | $2M |
| Intro period | 3 mths |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | 0 |
| Min age | 18 |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 4.50% | Whole balance | All balances |
| Introductory total, first 3 months | 5.10% | This band only | First $2m |
| Introductory total, first 3 months | 4.50% | This band only | Over $2m |
Source: noren.com.au
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Rate requirements
For Cash Management Account (personal).
- Personal-account comparison only. No ongoing monthly deposit, balance-growth, purchase or withdrawal-count interest condition. No monthly account-keeping fee, other service and transaction fees can apply.
- Funds are at call through online/app payments and transfers. Branch cash withdrawals, branch account assistance and cheque facilities are not available.
- Interest is calculated daily on closing balances and credited monthly. Advertised standard interest applies on excess funds beyond the introductory cap, individually negotiated pricing is excluded.
Fees
| Fee | Amount | Details |
|---|---|---|
| Monthly account fee | $0 | Monthly account fee. |
Source: noren.com.au
Showing reviewed fees only, other charges may apply
Rate history
| Observed | Base | Ongoing | Intro |
|---|---|---|---|
| 31 Oct 2026 | 4.50% | 4.50% | 5.10% |
Source: noren.com.au
Eligibility
- Personal customers aged 18 or older, including joint accounts with two to four individuals, subject to identity checks. Australian residential address, phone/email and an internet-connected device are required.
- The same CMA is also offered to businesses, trusts and SMSFs, those uses are excluded from this personal comparison. No separate BNK or Goldfields duplicate account is published.
Introductory offer
- Open a new CMA during the offer available from 16 October 2026 and have held no Goldfields Money CMA in the preceding six months.
- Deposit and maintain at least $20,000. Formal eligibility includes exactly $20,000 despite shorter headline wording saying over $20,000.
- Promotional pricing lasts three months from opening, then standard variable pricing applies. Only the first $2 million receives the promotional rate, excess earns standard interest. Discretionary extensions are not assumed.
Similar products
Tools & support
Things you should know
- Check withdrawal access, linked-account requirements and transaction timing with the provider.
- Introductory and ongoing offers may have different eligibility and balance limits.
Collected on 30 Oct 2026. Pricing verified on 29 Oct 2026.