How are returns calculated and paid to my account?

FinClear will publish a Cash Hub Program Rate schedule (e.g., tiered by balance bands, currencies, or linked to a benchmark minus spread). Eligible daily balances accrue at the applicable program rate; accrued amounts are typically credited monthly in AUD (or in currency, if supported—TBC). Rates are variable and may be changed with notice. Where required, FinClear will produce statements showing opening balance, net cash movements, FX conversions, program rate, accrual, and credit. The CRP governs the obligation; if FinClear elects to suspend or change the rate, new accruals reflect the updated schedule.