Essentials

• A DIY Super Solution designed specifically for self-managed super funds (SMSF's)

DIY Super Solution has three accounts working together.

Westpac DIY Super Working account

Westpac DIY Super Working account acts as the cash 'hub' to help you manage your investments and access your funds on a day-to-day basis

• Earn tiered interest on your everyday working account balance
• No monthly service fee (other fees apply)
• Access funds including via Westpac Online and Telephone Banking, in branch and by cheque.
• Option to set up direct debits and periodical payments to help manage your SMSF.

Westpac DIY Super Savings account

If you hold a Westpac DIY Super Working account, open and link a DIY Super Savings account for your surplus funds.

• No monthly service fee (other fees apply)
• Competitive interest rate, calculated daily and paid monthly
• No minimum or maximum balance
• Operate and access your savings via your linked Westpac DIY Super Working account

Westpac Online Investing account

• Trade online from $19.95 or for 0.11% of the trade value (whichever is greater) when you settle to your Westpac DIY Super Working account
• Buy and sell any ASX-listed security
• Access to Australian and international shares, warrants, options, managed funds and more
• Trade online, over the phone or via the mobile app
• Receive research and analysis from Morningstar, Westpac, BT and more
• Advanced charts and free live market data
• No monthly service fee (other fees apply).

You have the option to add on extra products such as a Westpac Term Deposit, SMSF Investment Property Loan or Insurance.

Use this calculator to find out how much super you'll have in retirement and how long it will last.

Features

Westpac DIY Super Working Account

You can transact on your Westpac DIY Super Working account in almost all the same ways you would any bank account:

• Online Banking
• Personal or Business Banking
• BPAY^®
• Periodical payments
• Direct debit
• Cheques
• Transfers to and from your Westpac DIY Super Savings account
• Transfers to Westpac Online Investing to purchase shares and other securities
• In person at any of our branches.

There is no card facility available on your DIY Super Working account.

The big picture

Once you have your DIY Super Solution set up to meet the everyday finance needs of your SMSF, you may want to consider the other products and services Westpac offers that might support your investment strategy.

Cash	DIY Super Solution	A suite of three products including a DIY Super Working Account, DIY Super Saving Account and Westpac Online Investing to help you manage your day-to-day SMSF investments.
Fixed income	Term Deposit	Lock away SMSF funds at a guaranteed rate for a selected term of your choice.
	Coupon Select Deposit	A tailored term deposit that lets you choose the frequency of interest payments, the start date and whether to receive fixed or floating interest rates or potentially a combination of both.
	CPI Plus Deposit	A tailored term deposit that pays a guaranteed fixed rate above the inflation rate, e.g. CPI + 3.5%.
	Inflation Linked Deposit	A tailored term deposit that features an interest rate which is directly linked to inflation. The interest rate increases with inflation, which may help protect the real value of your interest income.
Residential Property Investment	Variable Rate Investment Property Loan Fixed Rate Investment Property Loan	Funds the purchase of an investment property through a limited recourse loan.
Commercial Property Investment	Bank Bill Business Loan / Business Loan	Funds the purchase of a business or commercial property through a limited recourse loan, with the option of a fixed or variable interest rate.
Equities	Westpac Online Investing	A quick and cost effective way to invest online in shares, options, warrants ETFs, managed funds, IPOs and more.
	BT Managed Accounts	Managed Accounts can provide SMSF trustees with direct exposure to a professionally managed portfolio of Australian shares, listed property and managed funds. All administration and comprehensive tax reporting is performed by a team of experts.
	Self Funding Instalment (SFI) Warrants	An ASX listed investment that lets you borrow to invest in the share market within an SMSF without margin calls.
	Protected Equity Loan	Borrow to invest in selected ASX-listed securities over the medium term, with capital protection at maturity of up to 100% and no margin calls.
Insurance	BT Protection Plans	Access to cover including Term Life Cover, Total and Permanent Disablement Cover and Income Protection Insurance via your SMSF.
Wrap	BT Portfolio Wrap	A single point of access to a range of investment options such as managed funds, term deposits, ASX listed securities and insurance.
Financial Advice	Westpac Financial Planners	Westpac has qualified Financial Planners trained and accredited to advise on Self-Managed Superannuation Funds.
Education	Davidson Institute	Westpac's Davidson Institute provides financial and business education courses, seminars and online learning for SMSF trustees, designed to improve your SMSF knowhow.
Fund Administration	Westpac Alliances	Westpac has informed alliances with professional, specialist administration firms that can assist you with the running and compliance obligations of your SMSF.

There may be other super options you would like to consider. We have a range of products that could help you structure your super investments to perform at their best.

More details

• Term Deposits - the certainty of a fixed investment rate for a fixed term
• Super Fund Investment Property Loans - you may be able to use your SMSF to help you purchase a residential investment property. Conditions apply.
• Insurances - from death benefits to income protection, we're sure to have an option that's right for you.

Fees

Every dollar works harder in our Working and Savings accounts thanks to competitive interest rates that are calculated daily and paid monthly. There are no monthly account service fees or balance restrictions.

Current standard fees per transaction

Fees	DIY Super Working account	DIY Super Savings account
Free Monthly Withdrawal Allowance	Unlimited self-service Westpac Online and Telephone Banking electronic transactions only	Unlimited self-service Westpac Online and Telephone Banking electronic transactions only
Transaction Fees (charge per transaction when free withdrawal allowance is exceeded)
Telephone Banking (staff assisted)	$2.50	N/A
Cheque Withdrawals	$1.00	N/A
Direct Debits	Free	$5.00
Branch Staff-Assisted Withdrawals	$2.50	$5.00
Periodical Payment (additional fees apply for Periodical Payments made by Bank Cheque and International Periodical Payments)	Free	Free
Telephone Banking (automated)	Free	Free
Westpac Online Banking	Free	Free

View the full list of Westpac Online Investing fees and charges.

Rates

Standard variable interest rates p.a. for DIY Super Working and Savings accounts.

Current standard variable interest rate p.a.

	DIY Super Working account	DIY Super Savings account
$0 - $9,999	0.25%	2.95%
$10,000 - $49,999	2.75%	2.95%
$50,000 - $99,999	2.75%	2.95%
$100,000 - $499,999	2.75%	2.95%
$500,000+	2.75%	2.95%