Media release

APRA releases letter on liquidity treatment of deposits placed with settlement service providers

APRA has released a letter to Minimum Liquidity Holding (MLH) authorised deposit-taking institutions (ADIs) on the liquidity treatment of deposits placed with settlement service providers (SSPs).
Banking
Published
2 April 2026
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The Australian Prudential Regulation Authority (APRA) has released a letter to Minimum Liquidity Holdings (MLH) authorised deposit-taking institutions (ADIs) on the liquidity treatment of deposits placed with settlement service providers (SSPs).

The letter seeks to clarify the treatment of deposits placed with SSPs.

APRA invites stakeholder feedback on the draft FAQ. The letter to industry is available on the APRA website at: Liquidity treatment of deposits placed with settlement service providers

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The Australian Prudential Regulation Authority (APRA) is the prudential regulator of the financial services industry. It oversees banks, mutuals, general insurance and reinsurance companies, life insurance, private health insurers, friendly societies, and most members of the superannuation industry. APRA currently supervises institutions holding around $9.8 trillion in assets for Australian depositors, policyholders and superannuation fund members. 

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