SMSF bank account and term deposits

The BT Cash Management Account Saver (BT CMA Saver) is a bank account for your SMSF. You can manage your SMSF’s cash and invest in term deposits, all from the one place.

Why BT CMA Saver?

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


No minimum balance


No fees

Key features

  • Transact on your desktop, tablet or smartphone

  • 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

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Manage your SMSF transactions

  • Receive super contributions and rollovers, investment income, interest and dividends

  • Pay for asset purchases, pensions, member benefits and expenses

Key features

  • 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

Choice of Westpac term deposits

  • 1 month

  • 3 months

  • 6 months

  • 1 year

  • 3 years

  • 5 years

Manage your SMSF bank account and investments in one place

Want to invest and manage your SMSF in one place? BT SMSF is an online investment platform with an integrated bank account, plus extra services you can add if you need them.

Open up your investment opportunities

  • Access to Australian shares, term deposits, managed funds and managed portfolios

  • Integrated SMSF bank account

  • Option to add a tax and audit service to manage your SMSF in one place

  • You can add an SMSF setup service if you’re just getting started

  • Dedicated SMSF consultants and support team for when you need help

screenshot of panorama on ipad

Find out more about BT SMSF

Explore how BT SMSF can help, no matter what stage of your journey.

Open an account

If you’re ready to get started you can apply online in about 10 minutes.

Call 1300 554 267

Talk to the BT SMSF Concierge
8:30am-5:30pm Sydney time
Monday - Friday

Learn with our SMSF app

Download the free BT SMSF App for simple, jargon-free lessons to help you get started, invest and stay compliant with relevant laws.

Jargon-free lessons on SMSFs

Simple, jargon-free lessons on setting up an SMSF, getting ready to invest and staying compliant with relevant laws. Download the free BT SMSF App now.

What you need to 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 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 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 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.

Talk to the SMSF Concierge

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