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
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Cash Management Account Features Comparison
| Available for existing CMA Accounts only | |||||
| CMA Features | BANK OF QUEENSLAND | MACQUARIE | ANZ | COMMONWEALTH BANK | |
|---|---|---|---|---|---|
| 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. |
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. |  |
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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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