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Adelaide Cash Management Trust

Trust overview

The Adelaide Cash Management Trust (Trust) was established on 21 May 1998. The Trust is a unit trust, pooling the funds of individual unit holders and investing them on deposit with Bendigo and Adelaide Bank Limited (Bank).*

The Trust aims to offer investors security, convenience and competitive returns. The Trust may be the ideal way to consolidate your cash as the central point or ‘hub’ of your investment portfolio.

Investment strategy

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

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Click here for the current distribution rate.

Minimum initial investment $5,000
Minimum operating balance $1,000
Minimum additional investment Nil
Minimum withdrawal amount Nil
Entry/exit fees Nil

Income is calculated daily and distributions are paid monthly on the last business day of the month.

Unit price $1 per unit

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The Bank offers unitholders transaction services including:

  • BPAY® deposit or payment
  • Online banking
  • Cheque book
  • Express line (phone banking)
  • Debit card access
  • Bendigo Bank branch transactions
  • Australia Post’s Bank@Post agency service
  • Regular payments
  • Account Switching

Please click here to access the Transaction Services Guide Adelaide Cash Management Trust (Guide) for further information on fees, charges, terms and conditions.

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Why choose the Adelaide Cash Management Trust?

The significant features and the significant benefits of the Trust are set out below:

  • Secure and competitive returns
  • A simple and convenient way to invest
  • Availability of transaction services
  • Regular income
  • Competitive management costs

Investment timeframe

As interest is calculated daily and distributions are paid monthly (or upon your Trust account closure) and as there are no establishment, contribution, withdrawal or termination fees, there is no minimum investment timeframe for holding the investment.

Risk profile


The information on this page is a summary only. For further information please refer to the Adelaide Cash Management Trust Product Disclosure Statement and applicable PDS updates available at our website The Bank’s transaction services are set out in the Transaction Services Guide Adelaide Cash Management Trust or alternatively contact our Customer Service Team on 1800 224 124.

*An investment in the Trust is not a direct deposit or other liability of the Bendigo and Adelaide Bank Limited.
® Registered to BPAY Pty Ltd ABN 69 079 137 518

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