Westpac Cash Investment Account
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Cash Investment Account is a savings account from Westpac. At $50,000 it pays 1.30% p.a. with no bonus conditions.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0 – $99,999stepped: paid on the part of the balance in this band | 1.30% |
| $100,000 – $249,999stepped: paid on the part of the balance in this band | 1.75% |
| $250,000 – $999,999stepped: paid on the part of the balance in this band | 2.45% |
| $1,000,000+stepped: paid on the part of the balance in this band | 3.20% |
The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of them.
Features
- app
- yes
- PayTo
- yes
Other features, in the bank's words:
- 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.
- No minimum account balance is required to earn interest.
- No monthly account service fee and free electronic transactions
- View your available funds when placing a trade.
- Enjoy the benefit of having one account to manage your investment cash flows.
Fees, limits and who can open it
- monthly fee
- $0
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 18 and over
- open to
- personal, SMSF and business customers
- linked account
- a linked or nominated transaction account is required
Who can open it, in the bank's own words:
- 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: Business customers must be a company, sole trader, partnership, association, trust, not-for-profit organisation or self-managed superannuation fund.
About this account
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.
Data
- Westpac's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 13 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: cash-investment-account, Westpac_Cash_Investment_Account_T_C.pdf; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/westpac.json: this bank's accounts and every balance band as JSON; Westpac's page lists them.- The bank last updated this record on 13 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at Westpac
- 55+ and Retired savings account, 1.73% base at $50,000
- Bump Savings savings account, 5.55% conditional at $50,000
- Business Cash Reserve Savings savings account, 0.95% base at $50,000
- Business Premium Cash Reserve savings account, 0.01% base at $50,000
- Community Solutions Cash Reserve savings account, 0.95% base at $50,000
- eSaver savings account, 1.25% base at $50,000
- Life savings account, 5.50% conditional at $50,000
- Notice Saver 31, 60 & 90 Days notice account, 0.00% base at $50,000
- Bank Account with Debit Card for Students and Young Adultsstale transaction account, 0.00% base at $50,000
- Business Onestale transaction account, 0.00% base at $50,000
- Business One - Negotiator Planstale transaction account
- Business One - Plusstale transaction account, 0.00% base at $50,000
- Choice transaction account, 0.00% base at $50,000
- Choice for Concession Holdersstale transaction account, 0.00% base at $50,000
- Choice for Migrantsstale transaction account, 0.00% base at $50,000
- Community Solutions One transaction account, 0.00% base at $50,000
- Youth Bank Account and Debit Cardstale transaction account, 0.00% base at $50,000
All of Westpac's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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