In response to the RBA increasing the Target Cash Rate effective on 30 September 2026, the interest rates on the following accounts will change.
| Product | Current rate (%pa) |
New rates (% pa) |
Effective date |
|---|---|---|---|
| Transaction Account1 | |||
| Panorama Super - transaction account (incl. tailored portfolio cash allocation) |
3.60 | 3.85 | 30 September 2026 |
| Cash Accounts | |||
| BT Cash Management Account (incl. Managed Portfolio & Tailored Portfolio cash allocations)2 |
3.45 | 3.70 | 30 September 2026 |
| BT Cash Management Account Saver2 | 3.50 | 3.75 | 30 September 2026 |
1. The Transaction account is not a separate bank account. The transaction account forms a part of the Panorama account (Transaction Account) where the balance is pooled and invested into one or more underlying assets. The interest rate is declared by the trustee of the fund.
2. The BT Cash Management Account and BT Cash Management Account Saver are both at call deposit products (Cash Account) with Westpac (the issuer of the Cash Account). The interest rate is declared by the issuer of the product.
Please note that interest rates are variable and may change at any time.
Information current as at 14 October 2026.
This communication has been prepared for use by advisers only. It must not be made available to any client and any information in it must not be communicated to any client. This document provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such. This information 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.
BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) administers Panorama Super. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the trustee and issuer of Panorama Super, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. BTPS operates Panorama Investments. 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 the BT Cash Management Account Saver (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 784 207 or by visiting bt.com.au.
A retail client should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in a Panorama.
BTPS, BTFM 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 or 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.