BondIncome Cash
Management Account.

Enhancing client experience with Cash and Bond investments.

Fixed income investing for wholesale investors.

BondIncome Cash Management Account

Cashwerkz introduces th BondIncome Cash Management Account (CMA) which is designed as a At Call ‘Cash Hub’ to enhance clients’ overall investment experience with their Cash and Bond investments. 

The provider of the BondIncome CMA is Australian and New Zealand Banking Group Limited (ABN 11 005 357 222) and operated by Cashwerkz FI Ltd (ABN 86 111 273 048), trading as BondIncome.

These include:

  • Providing settlement account for your trading
  • Visibility and control of your funds to assist with a seamless trading experience
  • Client account balances updated once daily.

What you need to know about the BondIncome CMA

The BondIncome Cash Management Account (CMA) works as an At Call transactional account held with Australian and New Zealand Banking Group Limited (ABN 11 005 357 222) and operated by Cashwerkz FI Ltd trading as BondIncome on a client’s behalf (in accordance with the Australian client monies trust account rules) for the purposes of managing transactions on their accounts.

Each client’s account is uniquely registered to them, with funds beneficially held in the clients’ name and recorded separately. Client’s however will not have direct access to operate the account. Withdrawals from the account can be made as set out below.

Cashwerkz does not have the ability to transfer Cash other than to nominated accounts of the client or to settle transactions. 

The BondIncome CMA gives the investor/depositor ownership rights in respect to the Deposit Account through ANZ. You may be entitled to payment under the Federal Government’s Financial Claims Scheme. Payments under the Financial Claims Scheme are subject to a limit for each depositor. Information about the Financial Claims Scheme can be obtained from

Every BondIncome client will automatically have a separate/ individual account opened during the client onboarding process.


Once the application has been processed, the relevant BondIncome Cash Management Account BSB and account number/s are sent in a welcome email as well as being displayed via the BondIncome ( or Cashwerkz Portal (  These details should be used for all ongoing communications.

If you have any queries, please contact  or 1300 784 132.

Funds can be transferred via an Electronic Funds Transfer (EFT) and BPAY into the relevant BondIncome Cash Management Account using internet or mobile banking with a client’s preferred bank.

To avoid rejections ensure to always send funds to the BondIncome Cash Management BSB and Account Number or BPAY Biller Code and Customer Reference Number that is quoted on the welcome document as well as on the Cashwerkz or BondIncome portal

Note: Anyone can deposit funds into a client’s account, provided the BondIncome BSB and Account Number is exact.  The account should not receive funds before it is active (2 days from email receipt). 

Note: We can only deposit funds into the name of the account holders’ verified external linked bank account.  We do not pay to third parties.

Please submit the withdrawal request once via one of the methods below:

Via Cashwerkz Portal:

Please login to the Cashwerkz Portal (if applicable) to submit a withdrawal request directly to our Cashwerkz Operations Team.

Via email:

Please sign and return the BondIncome CMA Withdrawal Form to with this subject line to better identify your request: “BondIncome CMA – Withdrawal Request: Name Account XXXXXXXX”.

Please note, digital signatures are accepted.

Depending on the time the payment instruction is received, transactions will be processed either by close of business the same day or the next business day.
Note: No transactions will be processed on Australian National Public Holidays and will be released the next business day.

Payment Type                      Last Daily Transaction              Delivery Time                      Fee

Domestic Payment EFT               1:00pm                                Overnight                   No charge
RTGS                                                1:00pm                                Same day                     $12.00 

What is rate of return is available with the BondIncome CMA?

                                                                                           Applicable Rate                        Minimum Investment Amount ($)

       Retail Clients1                                                          0.40%                                                 $50,000

       Wholesale Clients2                                                  0.05%                                                  $50,000

  1. Retails clients are those clients who are individuals (natural persons), SMSFs, or family trusts with <$2m in cash (as opposed to assets), and who continue to retain all rights regarding withdrawal or movement of their funds. 
  2. Clients classified as wholesale types include but are not limited to private companies, councils, associations and charities.

Excluded client types for the BondIncome CMA product include but are not limited to Public Companies, Financial Institutions, Funds or Custodians.

                                                                                                        To learn more about the BondIncome Cash Management Account (CMA), the Financial Services Guide (FSG)
                                                                                                                                              and the Direct Service Agreement (DSA) can be accessed below.       

Contact bonds income

Contact us or call us on
1300 784 132