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Direct Investor

Discover the award-winning term deposit marketplace

Australian Money Market (AMM) is an innovative, fully transactional, online term deposit marketplace

Australian Money Market is proud to be awarded as SMSF Adviser’s best Cash and Term Deposit Platform for six years running.

One-stop shop for term deposit investing

Centralised access to interest rates offered by more than 20 Australian banks, building societies and credit unions – all of which are Authorised Deposit-taking Institutions covered by the Australian Government Guarantee Scheme up to $250,000 per entity and institution.

Earn more on your investment
Compare and choose rates and terms from a wide range of financial institutions.
Simplify your life
No more researching rates with individual financial institutions.
Safe and secure
Funds are always held in the investor’s name. Ownership of the funds cannot be transferred to anyone else and no monies are held on trust.
Simple switching at maturity
We notify you prior to maturity and it’s easy to browse rates and invest with a different financial institutions
Transact online, anywhere, anytime
Whether you are at home, work, holiday or on the move, you can connect and transact online. Your instructions will be processed during our standard dealing times.

Our Term Deposit Options

We offer a wide range of financial institutions to provide our Direct Investors with investment options on our marketplace.

All our partnering institutions are incorporated in Australia and are Approved Deposit Institutions (ADI’s). Deposits with an ADI of up to $250,000 are guaranteed by the Australian Government. To find out more visit: https://www.apra.gov.au/financial-claims-scheme

A term deposit placed through our marketplace will never automatically roll over at maturity – we will notify the investor 7 days prior to maturity and await instructions. If instructions are not received on the date of maturity, the funds will simply return to the associated CMA where they will be available for further investments etc.

CMA Features	BANK OF QUEENSLAND	MACQUARIE	ANZ
		Available for existing CMA Accounts only
Product Issuer
Product Name	Bank of Queensland Money Market Deposit Account (managed by DDH Graham Ltd).	Macquarie CMA	ANZ V2 PLUS
Interest Frequency	Calculated daily; paid monthly or quarterly; semi-annually on request	Calculated daily, paid monthly	Calculated daily, paid quarterly
Indicative Time to Set Up New Accounts*	2-5 days	2-5 days	2-5 days
Direct Debits (1)	Yes	No	No
Direct Credits (2)	Yes	Yes	Yes
Data Feeds	BGL; COIN; ClassSuper; Myob/Banklink; Praemium; SuperMate; Xero; Xplan/Visiplan	BGL; COIN; ClassSuper; Myob/Banklink; Praemium; SuperMate; Xero; Xplan/Visiplan	BGL; COIN; ClassSuper; Myob/Banklink; Praemium; SuperMate; Xero; Xplan/Visiplan
Accounts AMM Can Link To	124001	182512 182222 183334 184446 182755 182799 182500 186200	012141 013141 014141 015141 016141 015941 017141 012941

Primary Photographic ID	Primary NON-Photographic ID	Secondary ID	Additional ID Documents - can only be used with Primary Photo ID
Australian passport (current or expired less than 2 years) Note: Rabo and BOQ do not accept expired passports	Birth Certificate issued by Births, Deaths & Marriages (Please provide evidence of name change where required)	Tax Assessment Notice in clients name with their residential address (less than 12 months) - P.O. Box not accepted	Other Australian Bank Passbook (current)
Foreign passport (must be current and accompanied by evidence of Australian residency) Note: BOQ and Westpac do not accept this	Australian Citizenship Certificate	Government Benefits Notice in clients name with their residential address (less than 12 months old) - P.O. Box not accepted	Other Australian Bank Statement in clients name with their residential address - P.O. Box not accepted (less than 3 months old). Note: ANZ & ANZ Share Trading, AMP & Adelaide do not accept
Australian driver licence or learner permit (current)	Foreign Citizenship Certificate (see Exceptions 2)	Utility bill in clients name with their residential address (less than 3 months old) - P.O. Box not accepted Note: ANZ & ANZ Share Trading do not accept	Medicare Card (current)
One of the following photographic ID (current): Card issued under State or Territory for the purpose of providing a persons age Foreign National ID Card issued by a foreign government, the UN or agency of the UN - (see Exceptions 1)	Foreign Birth Certificate (see Exceptions 3)	Local Government rates notice in clients name with their residential address - P.O. Box not accepted (less than 3 months old) Note: ANZ & ANZ Share Trading do not accept
	One of the following current Centrelink pension cards: Note: Rabo Bank do not accept any of these cards Health Care Card (see Exceptions 4) Commonwealth Seniors Health Card (see Exceptions 5) Pensioner Concession Card Interim Concession Card (see Exceptions 6)	Notice issued by approved Australian Aged Care facility (less than 12 months old). Include name, residential address and registration number - P.O. Box not accepted Note: Subject to individual financial institution approval/signoff.

1. A person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described);	9. An agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public;
2. A judge of a court in Australia;	10. A permanent employee of the Australian Postal Corporation with 2 or more years of continuous service who is employed in an office supplying postal services to the public;
3. A magistrate in Australia;	11. An Australian consular officer or an Australian diplomatic officer (within the meaning of the Consular Fees Act 1955) - position can be held overseas;
4. A chief executive officer of a Commonwealth court;	12. A finance company officer with 2 or more continuous years of service with one or more finance companies (for the purposes of the Statutory Declaration Regulations 1993);
5. A registrar or deputy registrar of a court;	13. An officer with, or authorised representative of, a holder of an Australian financial services licence, having 2 or more continuous years of service with one or more licensees;
6. A Justice of the Peace;	14. A member of the Institute of Chartered Accountants in Australia, CPA Australia or the National Institute of Accountants;
7. A notary public (for the purposes of the Statutory Declaration Regulations 1993) in Australia or overseas;	15. A pharmacist;
8. A police officer;	16. Employee of the Australian Trade Commission (AUSTRADE) who is overseas: (a) in a country or place outside Australia; and (b) authorised under paragraph 3(d) of the consular Fees Act 1955; and (c) exercising his or her function in that place.

Transfer Method	Description	ANZ	Bankwest/ BWAMI	BOQ/ DDH GRAHAM	Commonwealth Bank	Macquarie
Direct Debits	Your can instruct AMM to direct debit funds from a nominated linked account into your Cash Management Account. There is a three day hold on any direct debited funds before they become available to invest. The funds will earn interest in your Cash Management Account during these three days.
Direct Credits	You can instruct AMM to make electronic transfers back to a linked account as nominated on the AMM Account Application form.

Primary Photographic ID	Primary NON-Photographic ID	Secondary ID	Additional ID Documents - can only be used with Primary Photo ID
Australian passport (current or expired less than 2 years) Note: Rabo and BOQ do not accept expired passports	Birth Certificate issued by Births, Deaths & Marriages (Please provide evidence of name change where required)	Tax Assessment Notice in clients name with their residential address (less than 12 months) - P.O. Box not accepted	Other Australian Bank Passbook (current)
Foreign passport (must be current and accompanied by evidence of Australian residency) Note: BOQ and Westpac do not accept this	Australian Citizenship Certificate	Government Benefits Notice in clients name with their residential address (less than 12 months old) - P.O. Box not accepted	Other Australian Bank Statement in clients name with their residential address - P.O. Box not accepted (less than 3 months old). Note: ANZ & ANZ Share Trading, AMP & Adelaide do not accept
Australian driver licence or learner permit (current)	Foreign Citizenship Certificate (see Exceptions 2)	Utility bill in clients name with their residential address (less than 3 months old) - P.O. Box not accepted Note: ANZ & ANZ Share Trading do not accept	Medicare Card (current)
One of the following photographic ID (current): Card issued under State or Territory for the purpose of providing a persons age Foreign National ID Card issued by a foreign government, the UN or agency of the UN - (see Exceptions 1)	Foreign Birth Certificate (see Exceptions 3)	Local Government rates notice in clients name with their residential address - P.O. Box not accepted (less than 3 months old) Note: ANZ & ANZ Share Trading do not accept
	One of the following current Centrelink pension cards: Note: Rabo Bank do not accept any of these cards Health Care Card (see Exceptions 4) Commonwealth Seniors Health Card (see Exceptions 5) Pensioner Concession Card Interim Concession Card (see Exceptions 6)	Notice issued by approved Australian Aged Care facility (less than 12 months old). Include name, residential address and registration number - P.O. Box not accepted Note: Subject to individual financial institution approval/signoff.

Direct Investor

Discover the award-winning term deposit marketplace

One-stop shop for term deposit investing

Earn more on your investment

Simplify your life

Safe and secure

Simple switching at maturity

Transact online, anywhere, anytime

Our Term Deposit Options

Manage investments - online, at any time

Get started, register below

Login to AMM

Reset Your Password

Direct Investor

Discover the award-winning term deposit marketplace

One-stop shop for term deposit investing

Earn more on your investment

Simplify your life

Safe and secure

Simple switching at maturity

Transact online, anywhere, anytime

Our Term Deposit Options

Manage investments - online, at any time

Get started, register below

Cash Management Account Features Comparison

Certified Identification for Individuals

Certified Identification Requirements for Other Entity Types

Authorised Persons

Exceptions for Certified Individuals and Entities

Funds Transfer Options to/from your Cash Management Account (CMA)

Certified Identification for Individuals

Certified Identification for Individuals

Certified Identification Requirements for Other Entity Types