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At Call Account

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Investment Options
At Call Account

Offering flexibility whilst earning interest, At Call Accounts provide the combined advantages of what a savings account and cheque account would offer.

Like our term deposit partners, all institutions offering At Call Accounts on our marketplace are incorporated in Australia and are Approved Deposit-taking 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

Manage investments - online, at any time

Get started, register below

Cash Management Account Features Comparison

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

* 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 (Sydney time)
(2) Direct credit funds OUT of your CMA through the AMM marketplace if input is prior to 1:30pm (Sydney time).

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 naccepted 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.

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

Individual ID for each trustee (i)
Certified Trust Deed (can certify on the title page) showing:
- members
- signatories
- trustees
- execution date
Superannuation Fund ABN
Provide personal details of all members

Individual ID for each trustee (i)
Certified Trust Deed (can certify on the title page) showing:
- execution date
- settlor or appointor
- trustees
- controlling persons (needs to be verified and identified) (i)
- beneficiaries or class of beneficiaries
Personal details are required for all Beneficiaries (with the exception of classes) (see Exception 19)

Personal details and Individual ID for ALL Directors, including non-signing ones (see Exception 18)
ASIC company extract or statement (to verify the Directors, shareholders and company details)
Company ACN
Shareholders/Beneficial Owners with 25% or more ownership (needs to be verified and identified) (i)
Registered address
Principal place of business

Estate

Individual ID for each Executor (i)
Certified copy of the Will and Probate
Personal details are required for all Beneficiaries (with the exception of classes) (i) (see Exception 19)

Testamentary Trust

Individual ID for each Trustee (i)
Certified Trust Deed or Will & Probate (can certify on the title page) showing (see Exception 7):
- execution date
- settlor or appointor
- trustees
- controlling persons (needs to be verified and identified) (i)
- beneficiaries or class of beneficiaries
Personal details are required for all Beneficiaries (with the exception of classes) (see Exception 19)

Incorporated Entity Unincorporated Entity Formal Partnership

Individual ID for officers/signatories (i)
Certificate of Incorporation
Certified, signed meeting minutes showing which officers can operate the account/signatories
Certified copy of the Constitution/Rules of the entity
Full name of chairman, secretary and treasurer or equivalent

Individual ID for officers/signatories (i)
Certified, signed meeting minutes showing which officers can operate the account/signatories
Certified copy of the Constitution/Rules of the entity
Full name of chairman, secretary and treasurer or equivalent

Individual ID for each partner (i)
Partnership Agreement; and
Minutes of a Partnership Agreement; or
A notice issued by the ATO within the last 12 months; or
Membership details of a relevant professional association; or
A search of the relevant ASIC or other regulators database

(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

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

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.

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): 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.

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): 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

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
Individual ID for each trustee (i) Certified Trust Deed (can certify on the title page) showing: members signatories trustees execution date Superannuation Fund ABN Provide personal details of all members	Individual ID for each trustee (i) Certified Trust Deed (can certify on the title page) showing: execution date settlor or appointor trustees controlling persons (needs to be verified and identified) (i) beneficiaries or class of beneficiaries Personal details are required for all Beneficiaries (with the exception of classes) (see Exception 19)	Personal details and Individual ID for ALL Directors, including non-signing ones (see Exception 18) ASIC company extract or statement (to verify the Directors, shareholders and company details) Company ACN Shareholders/Beneficial Owners with 25% or more ownership (needs to be verified and identified) (i) Registered address Principal place of business	Estate Individual ID for each Executor (i) Certified copy of the Will and Probate Personal details are required for all Beneficiaries (with the exception of classes) (i) (see Exception 19) Testamentary Trust Individual ID for each Trustee (i) Certified Trust Deed or Will & Probate (can certify on the title page) showing (see Exception 7): execution date settlor or appointor trustees controlling persons (needs to be verified and identified) (i) beneficiaries or class of beneficiaries Personal details are required for all Beneficiaries (with the exception of classes) (see Exception 19)
Incorporated Entity	Unincorporated Entity	Formal Partnership
Individual ID for officers/signatories (i) Certificate of Incorporation Certified, signed meeting minutes showing which officers can operate the account/signatories Certified copy of the Constitution/Rules of the entity Full name of chairman, secretary and treasurer or equivalent	Individual ID for officers/signatories (i) Certified, signed meeting minutes showing which officers can operate the account/signatories Certified copy of the Constitution/Rules of the entity Full name of chairman, secretary and treasurer or equivalent	Individual ID for each partner (i) Partnership Agreement; and Minutes of a Partnership Agreement; or A notice issued by the ATO within the last 12 months; or Membership details of a relevant professional association; or A search of the relevant ASIC or other regulators database

Superannuation Fund

Trust

Company (including Trustee Companies)

Estate or Testamentary Trust

Individual ID for each trustee (i)
Certified Trust Deed (can certify on the title page) showing:
- members
- signatories
- trustees
- execution date
Superannuation Fund ABN
Provide personal details of all members

Individual ID for each trustee (i)
Certified Trust Deed (can certify on the title page) showing:
- execution date
- settlor or appointor
- trustees
- controlling persons (needs to be verified and identified) (i)
- beneficiaries or class of beneficiaries
Personal details are required for all Beneficiaries (with the exception of classes) (see Exception 19)

Personal details and Individual ID for ALL Directors, including non-signing ones (see Exception 18)
ASIC company extract or statement (to verify the Directors, shareholders and company details)
Company ACN
Shareholders/Beneficial Owners with 25% or more ownership (needs to be verified and identified) (i)
Registered address
Principal place of business

Estate

Individual ID for each Executor (i)
Certified copy of the Will and Probate
Personal details are required for all Beneficiaries (with the exception of classes) (i) (see Exception 19)

Testamentary Trust

Individual ID for each Trustee (i)
Certified Trust Deed or Will & Probate (can certify on the title page) showing (see Exception 7):
- execution date
- settlor or appointor
- trustees
- controlling persons (needs to be verified and identified) (i)
- beneficiaries or class of beneficiaries
Personal details are required for all Beneficiaries (with the exception of classes) (see Exception 19)

Incorporated Entity

Unincorporated Entity

Formal Partnership

Individual ID for officers/signatories (i)
Certificate of Incorporation
Certified, signed meeting minutes showing which officers can operate the account/signatories
Certified copy of the Constitution/Rules of the entity
Full name of chairman, secretary and treasurer or equivalent

Individual ID for officers/signatories (i)
Certified, signed meeting minutes showing which officers can operate the account/signatories
Certified copy of the Constitution/Rules of the entity
Full name of chairman, secretary and treasurer or equivalent

Individual ID for each partner (i)
Partnership Agreement; and
Minutes of a Partnership Agreement; or
A notice issued by the ATO within the last 12 months; or
Membership details of a relevant professional association; or
A search of the relevant ASIC or other regulators database

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.

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At Call Account

Manage investments - online, at any time

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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