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Adelaide Cash Management Trust

Get access to your money any time by investing in our low-risk, cash-based investment fund.

Easy access to your money if you need it

The Adelaide Cash Management Trust (Trust) may be the ideal way to consolidate your cash as the central point or ‘hub’ of your investment portfolio.

The Managed Fund product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited.

Minimum initial investment $5,000
Funds generally available at call1
Debit card access

How it works

The Trust will invest in cash. All cash is invested on deposit with the Bank. The Trust aims to meet or exceed the official cash rate set by the Reserve Bank of Australia (before fees).


  • Online banking
  • Debit card access
  • Regular income through monthly distributions
  • Add to your investment at any time
  • Funds are generally available at call1
Defensive or conservative

To invest in this style, you would have a low tolerance for losses and risks which naturally leads you to give up on a larger return that comes with higher-risk investments. This investment style often looks to fixed income products such as cash, loan funds and bond funds. Usually at least 60% of this portfolio would be in defensive assets.

Risk Profile


Learn more

Rates and fees2

No entry or exit fees
No fees for additional deposits
Management costs at 24 December 2020 is 0.26% p.a. of your account balance

Rate effective 24 December 2020 is 0.19% p.a.

View latest Trust performance reports

View previous returns

Ready to apply?

You can apply for the Trust by completing and returning the application form.

If you would like some advice on this Trust, please contact our Customer Service Team on 1800 224 124.

Related documents

The information on this page is a summary only. For further information please refer to the following documents

Need to talk to us?

Enquire online

Send us an online enquiry if you have any questions.

Call us

Call us today between 8.30am to 5pm (ACST)

At a branch

Use our branch locator to search for a branch, agency or ATM near you.

Things you should know

Target Market Determinations for products are available.

1 Please see Transaction Services Guide Adelaide Cash Management Trust for information on the Adelaide Bank services provided. Approval is subject to Adelaide Bank’s discretion.

2 Refer to the ‘Fees and costs’ section of the Product Disclosure Statement. Transaction service fees may apply depending on the transaction service used. See “Transaction service fees” under the heading “Additional explanation of fees and costs” for more information. For further information on fees, charges, terms and conditions see the Transaction Services Guide Adelaide Cash Management Trust.

Sandhurst Trustees

Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Sandhurst is the responsible entity and issuer of the managed funds available on this website. Additionally, Sandhurst is the issuer of commercial lending products and the provider of traditional trustee services available on this website. Each of these companies receives remuneration on the issue of the product or service they provide. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank nor any of its related entities, and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested.

Information on the website is jointly prepared by Sandhurst and Bendigo and Adelaide Bank and subject to change without notice. Advice in relation to managed funds and commercial lending products is provided by Sandhurst. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.

The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.

Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products and services offered by the site owner.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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