How it Works

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How it Works

AMM Process

AMM streamlines the administration of investing in term deposits and other investment products, saving you time and money. You can see all investments in one place and optimise returns on every rollover.

Read on for a closer look at how the AMM process works and how we automate the system for your benefit - enabling you to manage investments when it's convenient for you.

We will also tell you more about why you will need a Cash Management Account (CMA) and how we can create one for you if you don't have one already.

1
Browse Investment Options & Returns

View all the updated daily rates & investment options, 24/7.
2
Select Investment

Select the preferred investment option from the range of financial institutions.
3
AMM Instructs Financial Institution

AMM completes the paperwork & instructs the financial institution on your behalf, organising the secure transfer of funds.
4
Investment Matures

For term deposits, AMM will email you 7 days & 1 day prior to maturity, giving you time to review options for reinvestment or full or partial redemption.

If you don't provide any online instructions, your investment will automatically redeem and the funds will be transferred into your Cash Management Account (CMA).

Please note, if you choose to reinvest in the same or another financial institution, your instruction will be classified as 'pending' until the rate is confirmed on the actual investment date as rates can change.

Your Cash Management Account

In order for AMM to send funds to your chosen financial institution, they will need to be available in a Cash Management Account. Essentially the Cash Management Account (CMA) acts as a “hub account” and enables the easy flow of investment funds between financial institutions.

The Cash Management Account and investments are always in the investing entity's name and every stage of each transaction is transparent. You can view the balance of the CMA and the investment transactions on the AMM Client Dashboard when you log in.

Upon your instruction, we instruct the bank to move the funds out of the CMA and directly to the chosen financial institution for your selected investment – all in the investing entity's name.

Already have a CMA?

If you already have a CMA for your investing entity, we will require the details of this account and an authorization for AMM to debit it when you choose your investments through your AMM Account. The CMA will need to be held with one of our listed providers – to view our list, please click here.

If the existing CMA Account is not with one of our listed providers, we will require a new CMA Account to be opened with a provider from our list which we can do on your behalf.

Don't have a CMA?

When you complete your online AMM Account Application form, you can simply instruct AMM to open a CMA which will be held in the investing entity's name.

Before making your choice of CMA provider, please review the PDS and Terms & Conditions which are available within our support section when you login.

Cash Management Account (CMA) - Features

To compare CMA's, click to view the table below or open the PDF to save or print.

Open PDF

Cash Management Account (CMA) - Funds Transfer Options

When completing the online AMM Account Application, you will be able to choose your preferred method of transferring funds to the CMA. To compare the options that will enable your funds to move to and from your CMA, click to view the table below or open the PDF to save or print.

Open PDF

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

Transfer Method	Description	ANZ	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.

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.

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.

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

How it Works

AMM Process

See How It Works

Browse Investment Options & Returns

Select Investment

AMM Instructs Financial Institution

Investment Matures