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Why BT Invest?

Westpac's wealth expert, BT, is now offering a new way to invest that's easy. With BT Invest you can build your own portfolio from a wide range of investments. From a selection of shares, managed funds, managed portfolios and term deposits - you can choose what you want, all from one place.


Take charge of your portfolio with tools to help you choose from over 2500 investment options.

View and manage all your investments in one place, side by side with your online banking.

Track performance across your portfolio with real-time online reporting and one easy login.

Save time on your tax with a consolidated tax statement for all your investments.

How can I invest?

When building your own portfolio you can choose from any of the below assets - giving you access to a great range of diversified investment. The BT Invest platform has an investment finder tool to help you select from the available investments.

2500+ ASX listed shares

Trade from $12.50 or 0.11%. Refer to the Fees section for a full description.

50+ managed funds

Provides you with access to a select range of competitively priced wholesale managed funds.

10 managed portfolios

Choose from ten professionally managed investment portfolios across diversified and sector (share based) options.

24 term deposits

Invest in 24 Westpac, St.George and BT term deposits which offer a variety of terms and flexible interest payment frequencies.

Prefer to have your portfolio managed by an expert?

Choose one of five ready-made investment portfolios

Find out more

See what it's like to use the BT Invest platform

Minimum investment amounts

You can open an account and view your investment options without making a deposit. When you are ready to make a deposit, a minimum of $100 is required to be held in the BT Cash Management Account at all times. Once your initial deposits have been made, and provided the minimum BT Cash Management Account holding is maintained, there are no minimums to regularly contribute to your current investments.

For all other minimum investment amounts, see below:

Investment option Minimum investment amount  
BT Cash Management Account $100  
Any diversified managed portfolio option $900  
Any specialised managed portfolio option $25,000  
Managed funds No minimum  
Shares One share  
Term deposits $5,000  



The total fees and charges payable by you will include the fees for the BT Invest service as well as any fees and costs of the available investments chosen by you. It is important to understand the fee of any available investment you choose, and that those fees will be in addition to the fees charged for BT Invest.

The amount you pay for specific investments, is generally shown in the relevant product disclosure statement or other disclosure documents for each available investment.

Fee Amount
Share trading fee

0.11% of the value of each transaction (with a minimum of $12.50) for individual share purchases

Where a share trade needs to be managed by the broker (for example, due to insufficient liquidity in the market), that fee may be up to 0.20%. If your trade is transacted over more than one day, the minimum charge applies for each day a transaction occurs.


There are no BT Invest transaction fees for managed fund or term deposit transactions.

This is a summary only. For full information on fees and costs refer to the ‘Fees & Costs’ section of the BT Invest Investor Guide.


Ready-made managed portfolio options

Fee Amount
Investment management fee 0.42% p.a.
of the total value invested.
Underlying asset fees Depending on each asset’s allocation within the managed portfolio the overall cost can be up to 0.19% p.a., but this may change from time to time.
Transaction fees None

Managed portfolio options other than the ready-made options (being the growth focus option and the income focus option)

Fee Amount
Investment management fee 0.22% p.a. to 0.80% p.a.
of the total value invested
Transactional and operational costs of underlying investments 0.10% p.a. to 0.17% p.a., but this  may change from time to time
Transaction fees 0.02% p.a. to 0.11% p.a., but this  may change from time to time

Next steps

Who is this account for?
  • All people in Australia that are 18 years or older.
  • Those who can maintain a minimum balance of $100 in the transaction account.  
What do I need to get started?
  1. Open a BT Invest account in about 10 minutes.
  2. Make an initial deposit and choose between Ready-made or Build your own portfolios.
  3. Start investing.

Important things to consider before you invest

Before you consider investing through BT Invest, it is important you understand the risks that can affect your investment. Generally, these are:

  • Risks associated with using BT Invest.
  • Investment risks associated with the investments you access through BT Invest.
Things you should know

BT Invest pack (PDF 1.65 MB)
Contains your Investor Guide, Additional Information and Terms Booklet

BT Invest Cash Management Account Pack (PDF 312 KB)
Contains BT Invest Cash Management Account and related Payments Services Terms and Conditions and the Fee and Charges Brochure and Interest Rate Schedule

BT Panorama Financial Services Guide (PDF 259 KB)

BT Invest Managed Portfolios PDS Part 1 (PDF 409 KB)
Contains General Information

BT Invest Managed Portfolios PDS Part 2 (PDF 390 KB)
Contains Investment Options Booklet

BT Conservative Portfolio Fact Sheet (PDF 122 KB)

BT Moderate Portfolio Fact Sheet (PDF 121 KB)

BT Balanced Portfolio Fact Sheet (PDF 121 KB)

BT Growth Portfolio Fact Sheet (PDF 122 KB)

BT High Growth Portfolio Fact Sheet (PDF 119 KB)

DNR Capital Australian Equities High Conviction Portfolio (PDF 143 KB)

BT Australian Shares Portfolio (PDF 141 KB)

BT S&P/ASX 20 Shares Portfolio (PDF 125 KB)

Antares Dividend Builder Portfolio (PDF 135 KB)

BT Managed Portfolio Proxy Voting Record (PDF 97 KB)

Pendal Sustainable Future Australian Shares Portfolio Fact Sheet (PDF 73 KB)

BT In­vest Tar­get Mar­ket De­ter­mi­na­tion (PDF 530 KB)

BT Invest Cash Management Account Target Market Determination (PDF 911 KB)

BT Man­aged Port­fo­lios Tar­get Mar­ket De­ter­mi­na­tion (PDF 913 KB)

BT Term De­posits (of­fered through Panorama) Tar­get Mar­ket De­ter­mi­na­tion (PDF 911 KB)

St.George Term De­posits (of­fered through Panorama) Tar­get Mar­ket De­ter­mi­na­tion (PDF 1,390 KB)

West­pac Term De­posits (of­fered through Panorama) Tar­get Mar­ket De­ter­mi­na­tion (PDF 95 KB)

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Invest Cash Management Account (BT Invest CMA). Together, these products are referred to as the BT Invest products.


A Product Disclosure Statement or other disclosure document (PDS) for the BT Invest products can be obtained by contacting BT on 1300 881 716 or by clicking here. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the BT Invest products.


BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities or the BT Invest CMA acquired through the BT Invest products, an investment in, or acquired using, the BT Invest products is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, the BT Invest products.


Unless otherwise stated, capitalised terms used in this website have the meaning given in the BT Invest Investor Guide. Any tax position described in this website is a general statement and for guidance only; it does not constitute tax advice and is based on current tax laws and our interpretation. You should seek independent professional tax advice.