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Gold Cash Management Account

Earn competitive interest on funds, with all the flexibility, easy access and benefits of a day-to-day personal or business transaction account. You’ll earn interest on balances over $5000, and rates are tiered, so the bigger your balance, the higher the interest rate.

  • Tiered interest rates, offering a higher rate of interest the greater your balance
  • Interest calculated daily and paid monthly
  • Monthly service fee is waived if minimum balance of $5,000 is maintained
  • Access your funds with a Rural Bank Visa Debit card at shops and ATM's across Australia and overseas, as well as phone and online transactions. Learn more
  • Access to Rural Bank's Internet and Phone Banking service 24 hours a day, 7 days a week

How do I apply / find out more?

Related documents

Frequently asked questions

Gold Cash Management Account interest rates

Gold Cash Management Account - Interest paid monthly

$5,000 to $19,999


$20,000 to $49,999


$50,000 to $99,999


$100,000 to $249,999


$250,000 +


Interest rates quoted on a per annum basis and subject to change without notice. Interest on Gold Cash Management Accounts is variable, calculated daily on a tiered basis and credited to the account on the first of the following month. Minimum opening deposit is $5,000.

Overdrawn interest rate

Overdrawn interest rate

All overdrawn balances


Applies to any unauthorised overdrawn balance on Everyday, Gold Cash Management, Money For Living, Interest Earning at Call, Seasonal (with no credit facility) and Seasonal Plus accounts. Quoted interest rate is on a per annum basis, variable and subject to change without notice. Interest is calculated daily on the closing balance and charged monthly.

Financial Claims Scheme

Deposits with Rural Bank are covered by the Financial Claims Scheme. The account holder may be entitled to payment under the Financial Claims Scheme. Payments under the Scheme are subject to a limit for each depositor. Information about the Financial Claims Scheme can be obtained from the APRA website at and the APRA hotline on 1300 55 88 49.

Fees and charges

For all Rural Bank fees and charges, download the Schedule of fees and charges document.

Interest rates quoted are subject to change without notice. This information has been prepared without taking into account your personal circumstances, objectives, financial situation or needs. Terms, conditions, fees and charges may apply. Full details are available on application, by phoning our Customer Service Centre on 1300 660 115, online or by visiting your local branch. All information is subject to change. Products are issued by Rural Bank Limited.