The AUSIEX Cash account is a settlement account, linked to an AUSIEX Share Trading account and/or an AUSIEX International Markets Trading account and used for investing activities. It is a client money trust account held by AUSIEX under the client money provisions of the Corporations Act 2001 (Cth). It is used to hold, receive, and make payments related to AUSIEX clients’ trading activities.

The AUSIEX Cash account utilises a client monies account held with Australia and New Zealand Banking Group Limited (ANZ). While ANZ provides the underlying banking facility, AUSIEX is responsible for administering the account as trustee under its Australian Financial Services License (AFSL).

Clients have a beneficial interest in funds held by AUSIEX but do not have a direct account relationship with ANZ.

It is used to facilitate share trading activities such as receiving trade proceeds, funding purchases, and managing related cash flows in one central place.

No. The account is a client money account operated by AUSIEX under its AFSL. It is designed to support trading and investment activity with AUSIEX, not as a general-purpose transaction account. Payments are limited to those permitted under applicable regulations and AUSIEX operating rules.

Deposits may be eligible for protection under the Australian Government’s Financial Claims Scheme (FCS), currently up to AUD$250,000 per account holder per authorised deposit-taking institution.

The AUSIEX Cash account is not a standalone product. It can only be opened in conjunction with an AUSIEX Share Trading and/or an International Markets account. Clients cannot hold an AUSIEX Cash account independently.

Yes. The AUSIEX Cash account is linked as the settlement account for an AUSIEX Share Trading account and/or the AUSIEX International Markets trading account. It is used to fund purchases and receive sale proceeds.

The AUSIEX Cash account is automatically linked to the client’s trading account and is visible online, allowing simplified settlement, reporting, and reconciliation.

The AUSIEX Cash account is used to facilitate trading activities, providing a convenient means to hold, receive, and make payments in connection with trading activities.

The AUSIEX Cash account is opened as part of the online application process via the AUSIEX website. When applying for a new AUSIEX Share Trading account and/or AUSIEX International Markets trading account, an AUSIEX Cash account can be opened at the same time. A separate application is not required.

An AUSIEX Cash account may also be established for an existing eligible trading account. To apply, navigate to Clients > Applications > Apply Now.

An AUSIEX Cash account may be opened by an individual who:

• is 18 years of age or older;
• resides in Australia;
• is a resident for taxation purposes; and
• is not acting as a financial intermediary or a public company.

The AUSIEX Cash account is only available to clients who are Australian residents for tax purposes and who have provided a valid tax file number (TFN) or relevant exemption.

Without a valid TFN, ABN, or exemption, clients are not eligible to open the AUSIEX Cash account.

AUSIEX Cash accounts are typically opened shortly after submission of a completed online application, subject to the successful completion of all required checks. These may include identity verification (where applicable) and confirmation of nominated bank account details.

A joint AUSIEX Cash account is operated in accordance with the method of operation agreed to by all account holders at the time the account is opened. This determines whether any one account holder can withdraw funds, or whether all account holders are required to approve the withdrawal.

The agreed method of operation only applies to the AUSIEX Cash account and can be updated by completing the AUSIEX Cash Account Maintenance Form.

Clients can have multiple AUSIEX Cash accounts, but only where they also have multiple share trading accounts held in different names. For example, if a client has an individual trading account and a separate joint or super fund trading account, each will require its own AUSIEX Cash account in the matching name.

However, if a client holds multiple trading accounts in the same name (such as an Australian Shares account and an International Markets account), these can all be linked to a single AUSIEX Cash account, provided the nominated bank account is also in the same name.

A nominated bank account is an external bank account linked to the AUSIEX Cash account, used to facilitate deposits to and withdrawals from the account.

Yes. Existing AUSIEX clients can change their current settlement arrangements (such as direct debit from an external account) so that trades settle through an AUSIEX Cash account.

This can be completed online via the AUSIEX portal by navigating to Clients > Applications > Apply Now and selecting Existing trading account.

Note: existing client information will be pre-populated, simplifying the AUSIEX Cash account application process.

Confirmation of Payee (CoP) is an initiative of Australian Payments Plus, the same organisation that also provides trusted payment services like BPAY, Osko, EFTPOS, PayID and PayTo.

CoP checks will be performed during the origination of an AUSIEX Cash account. CoP is an industry-wide service that checks the account name of the nominated bank account matches the trading account details when loaded into our system. This helps to reduce the risk of misdirected or fraudulent payments.

Any mismatches identified during the CoP validation process will be referred to the nominated Adviser, who will be asked to attest to the account details provided.

Once the AUSIEX Cash account is opened, clients will receive a welcome email containing their AUSIEX Cash account details and, where applicable, an email with their new trading account details and online access instructions.

To open an account for an existing AUSIEX client:

• Log in via the AUSIEX website
• Go to Clients > Apply Now
• Select ‘Existing client, new product’
• Select the client account via the ‘Find Client’ search field or the client list
• Select AUSIEX Cash account from the ‘Add Product’ page

If the client has an Exchange Traded Options account, this will automatically be linked upon opening of a new AUSIEX Cash account.

Yes. Interest is earned on the balance held in the AUSIEX Cash account.

Interest is calculated daily and paid on the first business day of each month, in accordance with applicable interest rates.

Any changes to the interest rate will be communicated to Advisers and clients and published on our website, and via the AUSIEX portal.

To access the current interest rate:

1. Via ausiex.com.au: go to Products & Solutions > Trading and navigate to the AUSIEX Cash Account section which will provide a link to the most up to date product information and interest rates.
2. Via the portal: Login at ausiex.com.au and navigate to Trade > AUSIEX Cash > Overview.

The current interest rate that is applied to a client’s AUSIEX Cash account can be viewed by navigating to Clients > Account Portfolio. Select the client and navigate to Account Information > AUSIEX Cash Account Information.

Yes. The interest rate applied to an account can differ depending on how the account is structured.

Different account types – such as individual, joint, SMSF, company or trust – may be classified differently, and each classification can attract its own interest rate. The rate may also vary based on factors like the account’s balance, regulatory requirements, liquidity considerations and any changes to the account’s legal status. If an account is reclassified, the interest rate may change from that point onward, and you would be notified in accordance with applicable requirements.

The interest rate on the AUSIEX Cash account will be a variable rate applied at a flat rate on the entire balance held in the AUSIEX Cash account.

The AUSIEX Cash account currently does not support this capability.

There is no set-up, monthly, or ongoing account service fees. However, AUSIEX may retain a portion of the interest earned from ANZ as an administration fee. For more information, refer to the Share Trading Terms & Conditions, International Markets Terms & Conditions and the Financial Services Guide.

The AUSIEX Cash account must be accessed and operated through AUSIEX’s website rather than directly with ANZ. Clients cannot access the AUSIEX Cash account directly with ANZ and the account is not supported at ANZ branches.

For Advisers:

Log in via the AUSIEX website and go to Clients > Management > Accounts & Clients. Select the client and navigate to Account Information > AUSIEX Cash Account Information

For clients:

Log in via the AUSIEX website and go to My Accounts > Account Information and select the account.

The AUSIEX Cash account supports both full transactional and view-only access for an Adviser. Clients can determine the level of account access granted to their Adviser.

All AUSIEX Cash account holders are required to have AUSIEX portal access. Through the portal, they can view their cash balance, transaction history and statements.

When the AUSIEX Cash account is opened, clients will receive a welcome email containing their username and online access instructions. If support is required, contact a Business Development Manager, Relationship Manager or call our Adviser Services Team on 1800 252 351.

Deposits to the AUSIEX Cash account are supported by the New Payments Platform (NPP), allowing real-time cash movements. A client can initiate an Osko payment from an existing bank account to their AUSIEX Cash account using the BSB and account number supplied. If a client’s bank does not support Osko payments, payments can still be processed, however, the AUSIEX Cash account will not receive the funds in near real-time.

Alternatively, clients may request AUSIEX to directly debit their nominated bank account. This request can be submitted via the AUSIEX portal by the client, or the Adviser if the appropriate level of authority has been provided. Direct debits from the nominated bank account may take up to 3 business days for the funds to be cleared.

When the funds have been deposited to the AUSIEX Cash account, a confirmation email will be sent.

Clients should check with their bank regarding any fees that may be charged with respect to these transfers.

To facilitate cash transfers on behalf of a client, the client will be required to provide their Adviser with the appropriate level of authority.

This authority differs to the authority an Adviser may have on their client’s trading account.

Advisers with the appropriate level of authority can request a deposit to the AUSIEX Cash account via the AUSIEX portal. In this instance, we will directly debit the nominated bank account. Direct debits from the nominated bank account may take up to 3 business days for the funds to be cleared.

In addition to deposits, Advisers and clients can also withdraw funds from the AUSIEX Cash account. Funds in the AUSIEX Cash account will be transferred to the nominated bank account.

Requests can be submitted at any time and will be processed in accordance with applicable cut off times.

No. For regulatory and financial crime reasons, payments into and out of the AUSIEX Cash account can only be made to the client's linked bank account.

The AUSIEX Cash account details (BSB and account number) cannot be used for direct debit transactions.

If a request is made for AUSIEX to directly debit the nominated bank account to fund the AUSIEX Cash account, the request must be submitted by 9.30am (AEST/AEDT) on a business day.

For any deposits initiated from another bank account, clients should contact the other financial institution.

There is no set limit, provided funds are available and there are no pending transactions. However, if a withdrawal exceeds AUD$100,000 it cannot be processed online.

Withdrawals greater than AUD$100,000 can be facilitated by our Adviser Services Team by calling on 1800 252 351. There are no fees associated to this type of transfer.

Clients are not currently required to use an authenticator application or approve transactions over a certain limit. Adviser and client notifications are generated when a deposit or withdrawal is processed via the AUSIEX portal.

No. Recurring payments are not currently available.

AUSIEX supports deposits and withdrawals via the New Payments Platform (NPP). The cut off time is 11:59pm (AEST/AEDT). Where NPP is available, funds are typically received in near real-time.

If the nominated bank account does not support NPP, deposit requests are generally received on the same day, subject to the financial processing times of the relevant institution.

Deposit requests made via BPAY, are generally processed on the next business day.

Deposits processed via direct debit from the nominated bank account, may take up to 3 business days to be cleared.

AUSIEX processes withdrawals from an AUSIEX Cash account via the New Payments Platform (NPP). The cut off time is 11:59pm (AEST/AEDT).

If the nominated bank account does not support NPP, withdrawal requests should be submitted by 7:00pm (AEST/AEDT).

Withdrawal requests via the AUSIEX portal are limited to AUD$100,000. Withdrawals greater than AUD$100,000 can be facilitated by our Adviser Services Team by calling 1800 252 351.

AUSIEX transfers funds only to the nominated bank account. The nominated bank account must be in the same name as the trading account.

If a client has an AUSIEX International Markets Trading account, a transfer may be requested from their AUSIEX Cash account to their International Markets AUD wallet. To do this select Clients > Transfer > Funds Transfer.

An integrated cash balance is the cash held within a client’s trading account that is linked directly to their investment activity. It is used to fund trades, settle transactions, and manage cash without needing transfers from an external bank account.

A client’s integrated cash balance is automatically recognised when a trade is placed. This means the full available cash balance can be used to support purchases, increasing the buying power without delays caused by manual bank transfers or settlement timing.

The balance of the AUSIEX Cash account will be displayed in the Account Portfolio. To view the purchasing capacity, navigate to Trade > Australian Securities > Securities Order.

Yes. The AUSIEX Cash account can be used to settle ECM deals managed by AUSIEX and may be used for any trading activity.

If a share trading account is closed, the associated AUSIEX Cash account will also be closed. Any remaining funds will be returned to the client in accordance with applicable withdrawal procedures.

To change the bank account used for deposits to and withdrawals for the AUSIEX Cash account, the AUSIEX Cash Account Maintenance Form must be completed.

Yes. Advisers and clients can view balances and historical transactions via the AUSIEX portal.

To view the transaction history, navigate to Account Portfolio > Select a Client > Financial Transactions > Cash account.

The balance of the AUSIEX Cash account will be displayed in the Account Portfolio.

Statement are issued monthly and outline the transactions on the AUSIEX Cash account. To access monthly statements, navigate to Account Portfolio > Select a Client > Statements > AUSIEX Cash - Bank Statements.

Statements are issued monthly under ANZ branding and identify AUSIEX as trustee and the client as the beneficial owner.

AUSIEX acts as the representative in relation to a client’s AUSIEX Cash account.

Monthly statements can be accessed via Account Portfolio > Select a Client > Statements > AUSIEX Cash - Bank Statements.

Transactions can be downloaded in Excel, CSV or PDF format. To access the report, navigate to Account Portfolio > Select a Client > Financial Transactions > Cash account and select Export.

For more information contact a Business Development Manager, Relationship Manager or call our Adviser Services Team on 1800 252 351.

More information can also be found on the AUSIEX Cash product page.