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Bank of Melbourne has partnered with BT

To help you do more with your super, we’ve partnered with BT – Bank of Melbourne’s wealth expert and one of Australia’s leading investment specialists. BT has been helping Australians manage, grow and protect their money since 1969. The BT Cash Management Account Saver (BT CMA Saver) is built on BT Panorama, the award-winning platform1 that helps you manage your SMSF’s cash and invest in term deposits in one convenient place.


Why choose BT CMA Saver?

A bank account to manage your day-to-day SMSF transactions

0.05% p.a. variable interest rate
No fees or minimum balance
Designed for self managed super funds


SMSF bank account
Manage your SMSF’s cash and invest in term deposits in the one place with access to your BT CMA Saver from your desktop, tablet or mobile.
Easy transactions
Receive super contributions and rollovers, investment income, interest and dividends. Plus, pay for asset purchases, pensions, member benefits and expenses.
Tax made simple
Save time with combined reporting for your cash and term deposits and the option to give your accountant access.  
Term deposits
Open, manage and reinvest in term deposits online without paperwork, so you can manage all your cash in one place.

BT CMA Saver rates and fees

  • 0.05% Current variable interest rate on SMSF bank account
  • $0 No fees on your SMSF bank account and term deposits*

Getting started

1. Start online
Enter your details online first to save time later.
2. Talk to the BT SMSF Concierge
To confirm and finalise the details on your application.
3. You’re ready to go
Receive your login details and you’re ready to transact and manage your SMSF’s cash.

Jargon-free SMSF lessons

Get simple, jargon-free lessons on setting up an SMSF, investing and staying compliant with relevant laws. Download the free BT SMSF App now.


The Detail

1. BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017, 2018 and 2019. The awards recognise excellence in the superannuation industry and an independent committee selects the winners. Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in a BT Panorama Investments account. Awards and ratings are current at the time of publication but are subject to change.

The information on this website has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is current as at  21st December 2020. The information provided is general in nature and does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness and read the disclosure documents before making any decision. All examples and images are for illustrative purposes only. Past performance is not a reliable indicator of future performance.

BTPS operates Panorama Investments. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account (BT CMA), BT Cash Management Account Saver (BT CMA Saver) and Westpac term deposits. These products are referred to as the Panorama products.

A Product Disclosure Statement (PDS) or other disclosure documents for the Panorama products can be obtained by contacting BT on 1300 554 267 or by visiting BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities, the BT CMA, or the BT CMA Saver acquired through the Panorama operating system, an investment acquired using the Panorama operating system is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments acquired through the Panorama operating system.

Conditions, fees and charges apply for BT CMA, BT CMA Saver and Westpac term deposits issued by Westpac. Westpac may change these or introduce new ones in the future. For BT CMA Saver and term deposits issued by Westpac you may be entitled to payment under the Australian Government’s Financial Claims Scheme in the event that Westpac becomes insolvent. Payments under the Financial Claims Scheme are subject to a limit for each depositor for eligible deposits held in Westpac. Information about the Financial Claims Scheme can be obtained from BT CMA, BT CMA Saver and Westpac term deposits are available only in Australia.