Term Deposit
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We partner with over 25 different banks, building societies and credit unions to provide a wide range of investment options.
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 Financial Adviser or account holder 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.
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Cash Management Account Features Comparison
Available for existing CMA Accounts only | |||||
CMA Features | BANK OF QUEENSLAND | MACQUARIE | ANZ | COMMONWEALTH BANK | |
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Product Issuer | ![]() ![]() |
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Product Name | Bank of Queensland Money Market Deposit Account (managed by DDH Graham Ltd). |
Macquarie CMA | ANZ V2 PLUS | Accelerator Cash Account | |
Interest Frequency | Calculated daily; paid monthly or quarterly; semi-annually on request | Calculated daily, paid monthly | Calculated daily, paid quarterly | Calculated daily, paid monthly | |
Indicative Time to Set Up New Accounts* | 2-5 days | 2-5 days | 2-5 days | 2-5 days | |
Direct Debits (1) | Yes | No | No | No | |
Direct Credits (2) | Yes | 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 | 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 |
067167 |
* Indicative set-up time frames commence when paperwork is received by AMM and assumes all required information has been received.
(1) Direct debit funds INTO your CMA through the AMM marketplace. For BOQ/DDH CMA's, funds clear 'Trade +3 working days' if input is prior to 2.30pm (AEST)
(2) Direct credit funds OUT of your CMA through the AMM marketplace if input is prior to 1:30pm (AEDT).
Certified Identification for Individuals 
The minimum certified ID* is as follows:
- One item from 'Primary Photo ID', or
- One item from 'Primary NON-Photo ID' AND one from 'Secondary ID'
*Please note certified copies of ID must be clear and legible with a certification date of less than 6 months ago.
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):
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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 |
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One of the following current Centrelink pension cards: Note: Rabo Bank do not accept any of these cards
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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. |
Certified Identification Requirements for Other Entity Types
For all other entity type, please refer to the table below for details as to what is required.
Superannuation Fund | Trust | Company (including Trustee Companies) | Estate or Testamentary Trust |
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Estate
Testamentary Trust
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Incorporated Entity | Unincorporated Entity | Formal Partnership | |
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(i) Please note, in order to be verified and identified as an Individual, we require the following:
- accepted Identification documents. Please refer to the Certified Identification for Individuals table
- personal details including name, residential address, date of birth, citizenship, nationality, occupation, US citizen or resident for tax purposes
Authorised Persons
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. |
Exceptions for Certified Individuals and Entities
With the exception of the following financial institutions, all our partners require one form of ‘Primary ID’ (and a Certified Trust Deed if your entity is a Trust or Superannuation Fund): |
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Please note the following exceptions to the standard Certified Identification for Individuals. |
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Please note additional requirements for particular financial institutions under specific circumstances: |
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Funds Transfer Options to/from your Cash Management Account (CMA)
Transfer Method | Description | ANZ | Bankwest/ BWAMI |
BOQ/ DDH GRAHAM |
Commonwealth Bank | Macquarie |
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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. | ![]() |
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Direct Credits | You can instruct AMM to make electronic transfers back to a linked account as nominated on the AMM Account Application form. | ![]() |
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Certified Identification for Individuals
The minimum certified ID is as follows:
- One item from 'Primary Photo ID', or
- One item from 'Primary NON-Photo ID' AND one from 'Secondary ID'
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):
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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 |
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One of the following current Centrelink pension cards: Note: Rabo Bank do not accept any of these cards
|
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. |
Certified Identification for Individuals
The minimum certified ID is as follows:
- One item from 'Primary Photo ID', or
- One item from 'Primary NON-Photo ID' AND one from 'Secondary ID'
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):
|
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
|
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 |
Certified Identification Requirements for Other Entity Types
For all other entity type, please refer to the table below for details as to what is required.
Superannuation Fund | Trust | Company (including Trustee Companies) | Estate or Testamentary Trust |
---|---|---|---|
|
|
|
Estate
Testamentary Trust
|
Incorporated Entity | Unincorporated Entity | Formal Partnership | |
|
|
|
(i) Please note, in order to be verified and identified as an Individual, we require the following:
- accepted Identification documents. Please refer to the Certified Identification for Individuals table
- personal details including name, residential address, date of birth, citizenship, nationality, occupation, US citizen or resident for tax purposes