Benefits of a NAB Cash Manager Account

If you prefer to keep your everyday money separate to your investing money, then a NAB Cash Manager could be right for you.

Easy access to your money

The NAB Cash Manager Account (CMA) is a convenient cash hub for you to manage your investing dollars. Some investors use it for:

  • receiving rental income from their investment property
  • their Self Managed Super Fund (SMSF).

Control cash flow

Separate to your everyday expenses, it’s easier for you to control your cash inflows and outflows and have oversight of your investments. Suitable for holding funds while you wait for your next investment opportunity.

Earn interest on every dollar

Your money is working harder for you while you wait for your next investment opportunity. Interest is calculated daily and paid monthly.

Interest rates and fees

Variable rate

0.55 % p.a.

Make your money work harder for you - earn interest on every dollar with our current standard variable rate. Interest is calculated daily and paid monthly.

Account fees

$ 0

No monthly account fees or transaction fees. It's your money - use the extra money for investing.

How to apply

It takes less than 10 minutes to apply. Here's what you'll need and what to expect.

What to have ready

  • If you're already with NAB, use your NAB ID to make it even faster. If you're new to NAB, you'll need 100 points of ID before your account will be fully operational.

  • Have your Tax File Number (TFN) ready.

  • Make sure you're at least 18 years old and a permanent Australian resident.

The application process

  1. Choose to apply as either an individual (single or joint account) or entity (company, trust or SMSF).

  2. Answer a few questions and submit your application.

  3. You'll receive email confirmation that your application has been received.

  4. Keep an eye out for your Welcome Pack.

Things to know before you start

Entity applications

If the account is in the name of an entity (company, trust or SMSF), you'll need to provide:

  • the name and address of the company, trust or SMSF
  • details of other NAB accounts for the company, trust or SMSF, including the NAB ID number (if an existing NAB customer).

If you're a new NAB customer you may also need to visit a NAB branch to finalise the opening of your account.

Tax File Numbers

This is optional, but is handy if provided. If you choose not to provide your TFN we’re obliged to collect withholding tax on the interest you earn.

Financial advice

If you’ve got a financial planner who helps manage your investments, talk to them about the NAB Cash Manager Account (CMA).

Ready to apply?

Apply online for a NAB Cash Manager. It will only take about 10 minutes.

Help and support

We have a range of useful guides and tools to help you manage your money and banking.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

Other accounts and services to consider

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Terms and Conditions

NAB Cash manager terms and conditions

The information provided on this page is intended to be of a general nature only. Any advice on this page has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this page, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any information on this web page.

All rates are subject to change.

This page is not a substitute for reading the NAB Cash Manager terms. NAB is the issuer of NAB Cash Manager and recommends you consider the NAB Cash Manager Terms & Conditions before making any decisions.

Target Market Determinations for these products are available at