Manage investments online, at any time.

At your convenience, access rates and place investments directly through our investment marketplace.

From your instruction, funds will move directly between banks, always remaining in the account name.

Learn More

SMSF Awards Winner 2016-2022
Australian Money Market is proud to be awarded as SMSF Adviser’s best Cash and Term Deposit Platform for eight years running.

Meet our Authorised Deposit-taking Institutions

Meet our Fund Managers

Compare and choose Term Deposit interest rates from more than 20 Australian financial institutions

All Authorised Deposit-taking Institution (ADI) issued deposit products are covered by the $250,000 Government Guarantee.

Today's Term Deposit Interest Rates*

To view all the Term Deposit interest rates from over 20 ADIs, login and enter the amount you wish to invest.
(You will need to Register first if you haven't already.)

  • 5.20%3 Months
  • 5.20%6 Months
  • 5.20%12 Months

Term deposit rates subject to change and are based on a $100,000 personal investment with interest payable at maturity

Welcome to AMM

3 Easy Steps: Sign Up. Setup. Invest

  1. Sign Up

    You need to register your details with us and we’ll set you up with an investor login to view rates and financial institutions.

  2. Set up AMM Client Account

    Complete our online application form to set up your AMM Client Account in your investing entity’s name. A required Cash Management Account can be set up as part of your application process if you don’t already have one.

  3. Invest

    Once you have transferred funds to your Cash Management Account which acts as a “hub” for investing, you can browse rates and start placing term deposits through our marketplace.

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 more than 20 ADIs.

  • Simplify your life

    No more researching rates with individual financial institutions and no more paperwork!

  • Safe and secure

    Funds are always held in the investor’s name and funds move from bank to bank. Ownership of the funds cannot be transferred to anyone else and no monies are held on trust.

  • Simple switching at maturity

    Avoid having your funds automatically re-invested at lower rates with the same institution. We notify you prior to maturity and it’s easy to browse rates and invest with a different institution.

  • Transact online, anywhere, anytime

    Whether you are at home, work, holiday or on the move, you can connect and transact via computer, tablet or smart phone. Your instructions will be processed during our standard dealing times.

How it works

Discover AMM: It's in your interest

AMM is not a bank, but an online broker. We were the first in Australia to build a fully transactional online term deposit marketplace in 2007. Since then funds under management have grown to over $5.5 billion.

About us

AMM treat security very seriously

We have procedures and processes in place to make sure that the security of your funds are never compromised. That’s our promise to you. The funds ALWAYS stay in the investor’s name and move directly from bank to bank. Now that’s reassuring.

  1. A. Bank-grade Encryption

    Minimum 128-bit SSl encryption for the transmission of data so you can be rest assured your information is secure.

  2. B. Recovery & Security Audits

    Constant audits as well as hourly offsite backups ensure that your transactions are never lost, even if disaster strikes.

  3. C. Geotrust Security

    Your personal information is safe and secure. We use GeoTrust for transactional security.

Learn more

Frequently Asked Questions

These are the questions that we receive most frequently however if your query is not answered here, please don’t hesitate to contact us – we are happy to help.

  • Who is AMM?

    Australian Moneymarket Pty Ltd (AMM) was established in 2007 to run an online cash deposit marketplace. AMM provides a cash investment service for our client and their term deposit requirements.

  • Are my funds secure?

    Yes. All accounts remain in the investing entity’s name. At no time are funds held in any trust or custodial structures. AMM have controls in place to ensure the security of your funds and data are maintained. AMM are audited annually in accordance with Guidance Statement (GS007) issued by the Auditing and Assurance Standards Board.

  • What does it mean by AMM having a Power of Attorney (POA)?

    As part of our onboarding process you sign an LPOA which forms part of the AMM application form. This allows us to open Accounts on your behalf.

  • What is the Government Guarantee Scheme or FCS?

    The Australian Government's Financial Claims Scheme (FCS) protects people's deposits in the unlikely event that a bank, building society and credit union fails. It only covers financial institutions that are incorporated in Australia and who are Authorised Deposit-taking Institutions (ADI's).

    Through the Financial Claims Scheme (FCS), the Australian Government guarantees deposits up to $250,000 and the cap applies per ADI. Through FCS, the Australian Government guarantees deposits up to $250,000 and the cap applies per ADI.

    For example, if you place $250,000 with one ADI and $250,000 with another, then both of the deposits are guaranteed. If you place more than $250,000 with one ADI, then only up to $250,000 is guaranteed. In the case of joint accounts, each account holder is entitled to an individual guarantee up to $250,000.

    Please note the following banks BOQ, Members Equity Bank and BOQ Specialist combine to form one ADI.

    You can read more about the scheme here:

  • Do I get a better rate on AMM than going direct to the financial institution?

    Rates are usually the same as offered directly to the public. In some instances the rates may be lower. AMM gives you the ability to easily switch between financial institutions upon maturity saving you time spent on completing paperwork.

  • Is there a minimum amount required to invest?

    For each financial institution, there are different minimum and maximum amounts.

  • What entities can invest through AMM?

    AMM accept accounts in the name of Individuals, Self-Managed Super Fund and Company Pty Ltd. If you have any queriers regarding a particular entity type, please contact us.

  • How do I set up an AMM Account?

    You will be required to Register, upon completion, we will email your login details. Once you login you can complete our online Application Form to open your AMM facility. This can be done via the ”Add New Account +” button on your Dashboard and this will take you through the various steps based on the entity type you select (i.e. individual/joint investor, Company Pty Ltd, Self-Managed Super Fund).

  • What identification is required to set up an AMM Account?

    AMM will require you to provide identification documents relating to your particular entity type. Original copies of the identification documents will need to be certified with a date of less than 6 months ago and posted to us, along with your signed AMM Application Form. (Please note, the copies must be clear and all characters legible).

    For a guideline to the Certified ID Requirements and Personal Details required by financial institutions, please click here.

  • Who is Authorised to Certify ID documents?

    For a list of persons authorised to certify copies of documents in Australia click here. Please note, the certifier will need to be an independent person not related to you or the entity. If you are getting documents certified overseas the only accepted certifiers are notary public or an Australian consulate official.

  • How is ID Certified?

    To certify a document, an "authorised person" must clearly write:

    "I [name of certifier] certify the following [number of pages] pages is a true and correct copy of the original document which I have sighted" And then add the following information:

    • Signature
    • Date
    • Full Name (printed)
    • Qualification
    • Registration Number

    Authorised Persons certifying documents with multiple pages must clearly state on the first page that they are certifying the entire document (i.e. number of pages).

  • Why do I need a Cash Management Account (CMA)?

    In order for you to invest in deposit products through AMM we require access to a CMA. Please note, the CMA is required to be in the same name as your AMM facility.

    For further details, please click here to find out ‘How it works’

  • How does AMM transfer the funds on my behalf?

    Once you place an investment through your AMM facility, AMM instructs your CMA provider to transfer the funds directly to your chosen financial institution. Please note, the movement of funds between financial institutions is always in your name.

  • Do I get notified about term deposit maturities prior to maturity date?

    Yes, a notification email is sent to you 7 days and 1 day prior to your Term Deposit maturity date.

  • Can I provide Reinvestment instructions before my investment matures?

    Within 7 days of your term deposit maturity date you can provide us with reinvestment instructions via your AMM login. Please be aware that rates may be subject to change. You will be notified via email if there is a decrease in your chosen rate and funds will not be invested until you contact us.

  • What happens if I don’t provide instructions prior to maturity?

    The principal and interest will automatically redeem into your Cash Management Account and will be available for further instructions.

  • Can I break a term deposit prior to maturity?

    Please contact us via email - It is important to note that most financial institutions require 31 days notice to break a Term Deposit and fees & charges may apply.

  • What does Trading Status mean for me??

    AMM has standard trading hours from approximatel 10.45am until 1.30pm, (Sydney time), Monday to Friday.

    Please be aware that rates outside of our standard trading hours may be subject to change. You will be notified via email if there is a decrease in your chosen rate and funds will not be invested until you contact us.

  • What reports can I access?

    You can generate a consolidated Statement, Audit Certificate and your Bank Confirmations.

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