Why BT CMA Saver?

  • Transact on your desktop, tablet or smartphone

  • No minimum balance

  • No fees

  • Pay bills or receive income by BPAY® or electronic funds transfer

  • If you want, you can give your accountant access to view your SMSF’s transactions to make tax time easier.

Ready to get started

If you're ready to get started you can apply online in about 10 minutes.  Call 1300 554 267 with any questions or request a callback

The BT CMA Saver is built on BT Panorama
The award-winning platform1 that helps you manage your SMSF’s cash and term deposits in one convenient place.

0.05% pa

Variable interest rate 

CMA saver
CMA saver

Manage your SMSF transactions
Pay for asset purchases, pensions, member benefits and expenses. Receive super contributions and rollovers, investment income, interest and dividends.

What's included?

  • Minimum investment of $5,000

  • Certainty of a fixed interest rate

  • No extra application forms

  • Simple combined reporting of your cash and term deposits together, including tax reports

What's included?

  • 1 month

  • 3 months

  • 6 months

  • 1 year

  • 3 years

  • 5 years

SMSF Establishment Service
Our SMSF set up service takes the hard work out of setting up your own self managed super fund.

Learn more about our SMSF set up service

Things you should know

1. BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017 and 2018. 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 4 October 2019. 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 having regard to these factors before acting on it and read the disclosure documents, including the terms and conditions or Product Disclosure Statement, before making any decision. All examples and images are for illustrative purposes only. Your portfolio value and performance are likely to be different and will depend on the investment options you have selected and the time period over which you are invested in those options. Past performance is not a reliable indicator of future performance.

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (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) and BT Cash Management Account (BT CMA Saver). Together, these products are referred to as the Panorama products.

A Product Disclosure Statement or other disclosure document (PDS) for the Panorama products can be obtained by contacting BT on 1300 554 267 or by visiting www.bt.com.au/smsf. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. In addition, BTPS is the provider of the Panorama SMSF Establishment Service and the Panorama SMSF Administration Service. The Guide and Terms and Conditions for these services are available on www.bt.com.au/smsf or by calling 1300 554 267.

BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities, BT CMA and 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 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 www.fcs.gov.au BT CMA Saver and term deposits are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

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Talk to the SMSF Concierge

Call 1300 554 267
(Mon-Fri 8:30am-6:00pm,
Sydney time)