Cash deposits, ready when you are.
Easy access. Competitive interest. Money ready when you need it.
- Withdraw whenever you need toAt call
- Interest on every dollarVariable rate
- Financial Claims Scheme cover per ADIUp to $250,000
- Move money freelyNo break fees
The Basics
What Are Cash Deposits?
A cash deposit account holds your money with an Australian bank and pays a variable rate of interest, while letting you deposit or withdraw at any time.
It is the most flexible part of a portfolio: a home for emergency funds, money waiting to be invested and cash set aside for upcoming expenses.
Through Culsans, your cash sits alongside your other investments, so you can move money into term deposits, bonds or funds as opportunities arise.
Why Investors Choose It
Why Hold Cash Deposits?
Holding the right amount of cash, in the right place, keeps your options open.
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01
Liquidity
Access your money when you need it, with no break fees or notice periods.
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02
Capital Stability
Your balance doesn't rise and fall with markets, making cash the steadiest part of your portfolio.
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03
Government Protection
Deposits with APRA-regulated ADIs may be protected under the Australian Government's Financial Claims Scheme, up to $250,000 per account holder per ADI.
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04
Ready to Invest
Keep a cash reserve on the platform to settle new investments quickly, including pre-IPO allocations with short offer windows.
How We Help
What we do for you.
Cash should work as hard as the rest of your portfolio. We help you hold the right amount, in the right place, earning a competitive rate.
Talk to an Adviser- Competitive variable rates from Australian ADIs
- Clear visibility of your cash alongside your other holdings
- Fast transfers to and from your nominated bank account
- Guidance on how much cash to hold for your situation
Suitability
Are Cash Deposits Right for You?
- Need an emergency fund you can reach quickly.
- Saving for a purchase in the next year or two.
- Want funds ready to invest when opportunities arise.
Before you decide. Cash deposits suit anyone who needs flexibility. Variable rates can change at any time, so cash is usually best held alongside longer-term investments. This is general information only. Read the relevant Product Disclosure Statement and Target Market Determination, and speak with an adviser about your own circumstances.
Related Services
Often paired with
Most clients combine two or three services. These are the ones most often used alongside cash deposits.
