In this guide

  • Our verdict
  • Details
    • Key details
  • Key features
  • How to apply
  • Compare other savings accounts
  • Your reviews
  • Ask a question

AMP Cash Manager

  • Alison Banney's headshot
AMP Cash Manager
Maximum variable rate
4.80% p.a.
Base interest rate
4.8%p.a.
Minimum deposit
$0

Our verdict

Earn 4.8% p.a. on balances between $10,000.01 and $250,000 with no monthly conditions to meet and complete access to your money.

This account acts as an everyday transaction account and savings account in one. It offers complete access to your money when you need it, while also paying a decent interest rate.

You can earn 4.8% p.a. on balances between $10,000.01 and $250,000. This rate is lower than some of the leading savings rates in the market at the moment, however, there are no deposit conditions to meet to earn this rate and no withdrawal restrictions on your cash making it really flexible.

You get a free Visa Debit card which allows you to use your cash for day-to-day spending, as well as access to Google Pay or Apple Pay for contactless purchases.

Pros

  • Transaction account and savings account in one
  • No account keeping fee
  • Earn interest with no deposit conditions to meet
  • No withdrawal restrictions

Cons

  • No branches available

In this guide

  • Our verdict
  • Details
    • Key details
  • Key features
  • How to apply
  • Compare other savings accounts
  • Your reviews
  • Ask a question

Details

Key details

Product Name AMP Cash Manager
Maximum Variable Rate 4.80% p.a.
Standard Variable Rate 4.80% p.a.
Monthly Account Fee $0
Minimum Opening Deposit $10,000.01
Minimum Age 18

Key features

$0 Account keeping fee

This account doesn't charge any monthly account keeping fees.

Get up to 4.8% p.a. on your balance

The interest rate structure for AMP Cash Manager is tiered, therefore, you will earn a particular rate depending on what the account balance is. You can earn the top rate of 4.8% p.a. on balances between $10,000.01 and $250,000.


How to apply

Eligibility

Before getting started, check to ensure that you are able to meet the eligibility requirements:

  • Minimum age. In order to be considered for this account, you must be at least 18 years of age.
  • Residency requirements. You must be an Australian resident and able to be identified in Australia at the time of application.

Compare other savings accounts

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Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Ubank High Interest Save Account
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ING Savings Accelerator ($150,000 - $500,000)
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Maximum Variable Rate p.a.
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Ideal for higher balances, savers can earn up to 5.4% for the first 4 months and up to 4.7% thereafter. There are no conditions and $0 account-keeping fees.
Rabobank High Interest Savings Account
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Ubank High Interest Save Account
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Maximum Variable Rate p.a.
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Standard Variable Rate p.a.
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Monthly Max Rate Conditions
  • Deposit $500
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ING Savings Accelerator ($150,000 - $500,000)
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Maximum Variable Rate p.a.
5.40%
Standard Variable Rate p.a.
4.70%
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4 months
Government Guarantee
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  • Welcome rate applies up to $500K
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Macquarie Savings Account
Macquarie Bank logo
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
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4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
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Suncorp Bank Growth Saver Account
Suncorp Bank logo
Maximum Variable Rate p.a.
5.05%
Standard Variable Rate p.a.
0.35%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance by $200 each month (excl. interest)
  • Only 1 withdrawal
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Bank of Queensland Simple Saver Account
BOQ logo
Maximum Variable Rate p.a.
4.85%
Standard Variable Rate p.a.
4.85%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $5,000,000
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Newcastle Permanent Smart Saver Account
Newcastle Permanent logo
Maximum Variable Rate p.a.
4.50%
Standard Variable Rate p.a.
0.05%
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Government Guarantee
Monthly Max Rate Conditions
  • Grow balance
  • No more than 2 withdrawals
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ING Savings Maximiser
ING logo
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.55%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1,000
  • 5 transactions
  • Grow your balance
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IMB Reward Saver Account
IMB logo
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $50
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Earn up to 3.25% p.a. after the introductory period ends.
Bankwest Easy Saver
Bankwest logo
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
4.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000.99
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Rabobank PremiumSaver
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Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
1.45%
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Monthly Max Rate Conditions
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Bendigo Bank EasySaver Account
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Monthly Max Rate Conditions
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