We have a range of products to help your customers reach their financial goals faster with savings accounts and self managed super fund solutions.
Personal accounts
Business banking accounts
Deposit products for superannuation
AMP Notice account
Key features
- No monthly account fee
- No minimum account opening balance requirements
- Interest is calculated daily and paid monthly
Access methods
Access to funds by transferring into a linked account via:
- Internet banking
- Mobile banking
- BankPhone
Note: BPay is not available with the AMP Saver Account.
Check out our AMP Business Saver Account for Sole Traders and business customers.
AMP Cash Manager
Your customer can put their money to work earning interest every day without locking it away. The AMP Cash Manager gives them complete access to their funds 24/7 with an AMP Visa Debit card, as well as Internet banking, Mobile banking and Phone banking.
Target market
- Customers looking for a high interest transaction account
Key features
- Competitive interest rate
- No minimum account opening balance requirements
- Consolidate finances into one account for greater convenience
- Deposit your salary automatically into your AMP Cash Manager
Access methods
- ATM1 and eftpos access
- Contactless, internet and over the phone purchases with an AMP Visa Debit Card
- Internet banking, Mobile banking, and BankPhone
- BPay
- Bank@Post
1 Other ATM providers fees may apply to ATM transactions. Fees also apply for international transactions and special services.
AMP Access Account
This transaction account allows consolidation of all funds into one flexible account.
Get low fee, flexible banking with an AMP Access Account that gives your customer easy access to their funds. Your customer will receive an AMP Visa Debit Card for ATM withdrawals and eftpos purchases, as well as Internet banking, Mobile banking, and Phone banking.
Target Market
- Customers looking for a transaction account that comes with no monthly account keeping fee
- Customers looking for a transaction account who are eligible Government Card Holders
Key features
- No monthly account fee
- No minimum account opening balance requirements
- Deposit your salary automatically into your AMP Access Account
Basic features for eligible Government Concession Card holders
If your customer holds any one of the following Commonwealth government concession cards: Commonwealth Seniors Health Card, Health Care Card, or Pensioner Concession Card they may be eligible for the AMP Access Account - Basic Features. These basic features are in addition to standard AMP Access Account features and are:
- No overdraft (unless it's impossible or impractical for us to prevent it)
- No dishonour fees if a payment to or from the account is dishonoured
- If we haven't been able to prevent the account becoming overdrawn, we won't charge debit interest on the overdrawn amount
For more details on the AMP Access Account Basic Features, refer to our terms and conditions available at amp.com.au/bankterms
Access methods
- ATM1 and eftpos access
- Contactless, internet and over the phone purchases with an AMP Visa Debit Card
- Internet banking, Mobile banking, and BankPhone
- BPay
- Bank@Post
1 Other ATM providers fees may apply to ATM transactions. Fees also apply for international transactions and special services.
Offset Deposit Account
Key features
- No minimum account opening balance requirements
- Deposit your salary automatically into your AMP Access Account
- Link up to 10 Offset Deposit Accounts to any of AMP Bank's Variable Rate Loan Products1
- No interest is payable on the Offset Deposit Account
A tick box on the Home Loan application form makes applying for an Offset Deposit Account easy.
Existing home loan customers may download, complete and return a separate Offset Deposit Account application form.
$6 monthly fee is payable on Offset Deposit Account linked to Basic Variable Rate Loans.
Access methods
- ATM2 and eftpos access
- Contactless, internet and over the phone purchases with an AMP Visa Debit Card
- Internet banking, Mobile banking, and BankPhone
- BPay
- Bank@Post
Eligibility
Most of AMP Bank's variable rate loans are eligible to be linked to an Offset Deposit Account. Some exclusions are Construction and Land Loans, AMP Essential Home Loan and all Lines of Credit. Fixed Rate loans are also not eligible for any interest offset benefits. Fixed Rate loans are also not eligible for any interest offset benefits.
Note: If an Offset Deposit Account is linked to a loan account that is not eligible, no offset benefit will apply. Below is a list of eligible loan accounts and a list of loans accounts which are not eligible to be linked to an Offset Deposit Account.
Eligible loan account for offset
Loans available for sale
- Introductory Classic Variable Rate Loan
- Professional Pack Variable Rate Loan
- Classic Variable Rate Loan
- Basic Variable Rate Loan
- Affinity Variable Rate Loan
- Select Variable Rate Loan
- AMP SuperEdge Variable Rate Loan
- AMP First Variable Rate Loan
Loans no longer available for sale
- 2005 Special Variable Rate Loan
- Advantage Variable Rate Loan
- All Options Variable Rate
- Executive Variable Rate Loan
- Low Documentation $10 Plan Variable Rate Loan
- Priority Club Variable Rate Loan
- Low Doc Variable Rate Loan
- Affinity Basic Variable Rate Loan
- Introductory Professional Pack Variable Rate Loan
Loan accounts not eligible for offset
Variable rate term loans not eligible for Mortgage Offset
- AMP Essential Home Loan
- Construction Loan
- Land Loan
Lines of Credit not eligible for Mortgage Offset
- Professional Pack Line of Credit
- Classic Line of Credit
- Affinity Line of Credit
- Select Line of Credit
- AMP First Line of Credit
- Low Doc Line of Credit (no longer available for sale)
- Executive Line of Credit (no longer available for sale)
Fixed Rate Loans not eligible for Mortgage Offset
- Intro 1 Year Fixed Rate Loan rolling to Professional Pack Variable Rate Loan
- Intro 1 Year Fixed Rate Loan rolling to Classic Variable Rate Loan
- 1, 2, 3 and 5 Year Fixed Rate Loans rolling to Professional Pack Variable Rate loans
- 1, 2, 3 and 5 Year Fixed Rate Loans rolling to Classic Variable Rate loans
- 1 Year Fixed Rate Interest in Advance
- Basic 1, 2, 3 and 5 Year Fixed Rate Loans
- Affinity 1, 2, 3 and 5 Year Fixed Rate Loans
- Affinity Basic 1, 2, 3 and 5 Year Fixed Rate Loans (no longer available for sale)
- Select 1, 2, 3 and 5 Year Fixed Rate Loans
- AMP SuperEdge 1, 2, 3 and 5 Year Fixed Rate Loans
- AMP First 1, 2, 3 and 5 Year Fixed Rate Loans
- Low Doc 2 and 3 Year Fixed Rate Loans (no longer available for sale)
1 Excludes Construction, Land Loan, AMP Essential Home Loan, Flexible Loan Accounts and other loan products specified from time to time
2 Other ATM provider fees may apply to ATM transactions. Fees also apply for international transactions and special services.
Term Deposit Account
Whether you're saving for a home of your own, a holiday, a car or for the future, AMP Bank's term deposits can help you achieve your goal.
Key features
- Competitive rate of return and a possible regular income stream
- No monthly account fee
- Term options from 3 months to 5 years
- Choose when interest is paid:
- for terms up to 1 year, interest is paid at maturity
- for terms of 1 year or more, interest can be paid monthly, quarterly, half yearly or yearly
- Choose how interest is paid:
- transferred into a bank account in the same name
- if paid at maturity, reinvested with the principal for another term
- transferred into a bank account in the same name
- No bank fees (Special Service Fees apply)
Access methods
Electronic view only access is available via:
- My AMP (Internet Banking)
- My AMP app on iPhone or Android phones
AMP Business Saver Account
For businesses wanting to maximise their return on cash while
still having easy access to funds.
Key features
- Bonus rate for eligible new customers
- No monthly account fee
- No minimum account opening balance requirements
- No fixed term
- Deposit your salary automatically into your AMP Access Account
Available to companies, trusts (including DIY super funds), partnerships and sole traders.
Access methods
Access to funds by transferring into a linked account via:
- Internet banking
- Mobile banking
- BankPhone
Note: BPay is not available with the AMP Business Saver Account.
Note for SMSF customers
From 1 February 2018, we will not be accepting applications for the AMP Business Saver Account from:
- Individuals acting as Trustees for a Self-Managed Superannuation Fund
- Companies (registered in Australia) acting as Trustee for a Self-Managed Superannuation Fund
Instead, these customers are invited to consider the AMP SuperEdge Saver Account which offers all the same features as an AMP Business Saver Account, with a great rate available on all balances. Check out our AMP SuperEdge Saver Account.
If these customers already have an AMP Business Saver Account, they can complete and return our Switch to an AMP SuperEdge deposit product form.
AMP SuperEdge Cash Account
The AMP SuperEdge Cash Account is a simple way for your customer's to manage their SMSF cashflow. They can earn a competitive interest rate and still have ready access to their money.It's easy to deposit or withdraw money and they'll earn interest which is calculated daily and paid monthly.
Target market
- SMSFs who want flexibility in how they deposit and withdraw their money.
- SMSFs looking for an everyday account that will earn interest.
Key features
- Competitive interest rate.
- No minimum opening deposit or balance.
- Interest is calculated daily and paid monthly.
- No monthly account management fees.
Access methods
- Internet banking, Mobile banking, and BankPhone
- Pay your bills with BPay
AMP SuperEdge Pension Account
The AMP SuperEdge Cash Account is a simple way for your customer's to manage their SMSF cashflow. They can earn a competitive interest rate and still have ready access to their money.It's easy to deposit or withdraw money and they'll earn interest which is calculated daily and paid monthly.
Target Market
- SMSF pension recipients or trustees looking for an everyday transaction account with 24/7 access.
Features
- A competitive interest rate that's calculated daily and paid monthly.
- A Visa Debit Card for easy access to funds.
- 24/7 access via Internet and Mobile Banking, and Phone Banking
Access methods
- ATM1 and eftpos with your Access Card
- Internet banking, Mobile banking, and BankPhone
- Pay your bills with BPay
- Bank@Post availablitiy with your Access Card
Important information
Fees and charges are payable. Terms, conditions and restrictions apply and are available upon request. Approval is subject to AMP Bank guidelines.
1 Bank Assist (staff-assisted) redraw is subject to conditions, fees and charges. Other ATM providers fees may apply to ATM transactions. Fees also apply for international transactions and special services.
AMP SuperEdge Saver Account
The AMP SuperEdge Saver Account gives your customer a competitive interest rate on their self managed superannuation fund (SMSF) cash assets and easy access to their money.Linked to their AMP SuperEdge Cash Account, they'll be able to access funds through a range of convenient options.
Target Market
- Existing SMSF customers with an AMP SuperEdge Cash Account, looking for a more competitive interest rate.
- SMSFs looking for a flexible and convenient savings account.
Key features
- Competitive interest rate.
- Bonus rate for eligible new customers.
- No minimum opening deposit or balance.
- Interest is calculated daily and paid monthly.
- Must be linked to an account with AMP Bank or another financial instituion which is held by the SMSF.
- No monthly account management fees.
Access methods
- Internet banking and BankPhone - transfering funds to linked account
Important information
Fees and charges are payable. Terms, conditions and restrictions apply and are available upon request. Approval is subject to AMP Bank guidelines.
AMP Notice Account
Changes to Notice Account range
We are currently not accepting applications for new notice accounts. Effective from Wednesday 22 July 2020 until further notice.
If your customer can plan their cash withdrawal needs ahead, they will be rewarded with a competitive interest rate on their deposits.
Products available
- AMP Notice Account
- AMP Notice Account Financial (Financial Institutions only)
- AMP 6-month Notice Account
- AMP 6-month Notice Account Financial (Financial Institutions only)
Key features
- Competitive savings interest rate
- No monthly account fee
- No minimum account opening balance requirements
- Balances up to $10 million per Customer Name
- Single interest tier
- Minimum Margin above the Reserve Bank of Australia Cash Rate
- Interest calculated daily and paid monthly
Note: Minimum 31 days notice required to withdraw funds from AMP Notice Account and AMP Notice Account Financial.Minimum 180 days notice required to withdraw funds from AMP 6-month Notice Account and AMP 6-month Notice Account Financial.
Access methods
Up to two withdrawals a month (as long as the required days notice has been given) can be paid electonically into the linked AMP Bank Deposit Account. Notification can be made by:
- Sending us a Secure Message via internet banking
- Bank Assist
- Writing to us
Note: The minimum amount you can withdraw each time is $500 (unless your available balance is below $500).
Contact your Business Development Manager
For any questions you have on AMP’s products and policies, the BDM assigned to your company is keen to take your call. If you’re unsure who your BDM is, head to our Contact us page.
Important information
All information on this website is subject to change without notice. It's important your customers consider their particular circumstances and read the relevant Product Disclosure Statement and Target Market Determination or Terms and Conditions before deciding what's right for them.
A target market determination for these products is available at distributor.amp.com.au/tmd
This information hasn't taken their circumstances into account. The credit provider and product issuer is AMP Bank Limited ABN 15 081 596 009, AFSL No 234517, Australian credit licence 234517.