Murray Irrigation

Water Products

Murray Irrigation offers customers a range of water products to help increase water security, reward water use and improve productivity within its area of operations.

Water Solutions

Water Solutions offers Murray Irrigation customers tailored water products to help increase water security and improve productivity within the Company's area of operations. 


Products for the 2026/27 water year will be communicated with customers in early 2027.


If Customers wish to have a conversation with the Water Solutions team on what products are currently available, please place your details in the form below, and a member of the team will be in contact with you.

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Water Users Credit

What is the Water Users Credit?

The Water Users Credit, is a volume of water credited to water accounts based on each megalitre delivered on farm through a compliant outlet.


Who is eligible for the Water Users Credit?

Murray Irrigation customers with compliant outlets. Water deliveries on behalf of the Department of Planning, Industry and Environment, WaterNSW and the Commonwealth Environmental Water Holder are not eligible for the Water Users Credit.

How can I access the Water Users Credit benefit?

The Water Users Credit is automatically applied to your water allocation account daily, based on imported meter readings.


Why does Murray Irrigation apply this benefit?

Murray Irrigation applies the Water Users Credit to promote and reward productive on farm water use within the footprint.


Sustainability Product

What is the Sustainability Product?

The Sustainability Product is a volume of water offered to eligible Murray Irrigation customers for purchase. It is an initiative intended to simultaneously put downward pressure on fees and prices, increase water availability in the region, and strengthen the company’s financial position.


Who is eligible for the Sustainability Product?

Murray Irrigation customers who are currently financial.


How do I access the Sustainability Product?

Eligible customers can access the Sustainability Product through an Expression of Interest (EOI) once it has been announced; and then ‘opt-in’ through the Customer Portal. This typically happens early in the water season. 


How much water can I get through the Sustainability Product?

During the EOI phase, customers nominate the volume they would like.


What if customers apply for more or less than the available volume?

If the offer is oversubscribed, participants will be offered a pro-rata volume based on their Delivery Entitlements. When a volume of water is offered, it is non-negotiable. Participating customers can either accept or reject the offer.


If customers apply for less than the available volume, surplus available water will remain in Murray Irrigation’s water portfolio for future opportunities.


How is the water applied to my account?

The accepted volume will be applied to the customer’s water allocation account as an uncleared trade. Water can be used on farm as an uncleared trade. If the customer wishes to trade or transfer this water, it must be paid and cleared.

Can water purchased from the product be traded?

Murray Irrigation encourages customers to use the water on farm, but no special restrictions exist to prevent trade or transfer once it is paid and cleared. The usual rules for trade of water allocation apply.


Are there fees associated with accessing water purchased through the Sustainability Product?

The product is offered at a set price per megalitre. Usual fees for trade and usage apply.


What are the payment options?

Murray Irrigation offers eligible customers three payment term options.

 

  • Standard 60 day terms as per the fees and prices policy
  • Financed option – 5 months finance
  • Financed option – 10 months finance


Specific details on these options, including repayment dates and interest rates will be available upon Sustainability Product announcement.


Can water purchased on finance be traded?

Murray Irrigation encourages customers to use the water on farm, but no special restrictions exist to prevent trade or transfer once it is paid and cleared at the end of your finance term. The usual rules for trade of water allocation apply.


Why is Murray Irrigation offering financing options.

To allow customers flexibility in managing their cash flow and the ability to pay for water after receiving payment for their winter or summer crop harvest. 

 

The financing options also provide a strong return to Murray Irrigation’s investment fund.


How do I apply for the payment options?

During the acceptance phase of the EOI process, customers will be offered the three payment options. Customers can accept any option for payment subject to the terms and conditions. 5 and 10 mont payment terms are subject to credit checks. Upon acceptance of an offer that includes these payment terms, customers will be contacted by the Company to provide an ABN, for Murray Irrigation to complete this credit check.



By providing your ABN, you consent to its collection, use and verification for the purposes of assessing and managing your application for commercial credit and related services.

2026 Sustainability Product - frequently asked questions

  • How much water is available?

    80,000 megalitres (ML).

  • What is the price of the water?

    $314 per ML. This is the weighted 7-day average of water sales on Murray Irrigation’s Water Exchange between 29 July 2026 to 5 August 2026.

  • How can I access the water?

    The offer is exclusive to Murray Irrigation customers who are currently within financial terms with the Company. Eligible customers will be invited to submit an expression of interest (EOI) via the Customer Portal. If the offer is oversubscribed, participating customers will be offered a pro rata volume calculated using the total delivery entitlements held across all accounts under the participating customer number.

  • How will the process work?

    EOIs can be submitted through Murray Irrigation’s customer portal.


    The process and key dates are as follows:


    1. 6 - 13 August 2026 - Submit an EOI. Murray Irrigation will acknowledge receipt of the EOI within one business day.
    2. 14 August 2026 - Eligible participants will receive an offer for a volume of water. They can either accept or reject the offer online (using their customer portal). Water will be made available within 2 days of accepting the offer*.
    3. 20 August 2026 - Deadline to accept an offer in the Customer Portal.
    4. 21 August 2026 - Latest date water will be made available.
    5. 28 August 2026 - Invoices issued.
    6. 28 October 2026 - Payment due – 60-day terms.
    7. 28 January 2027 - Payment due – 5 months financed terms.
    8. 28 June 2027 - Payment due – 10 month financed terms.

    *For customers who elect to utilise the 5 or 10 month payment terms, water availability timeframes aer subjec to credit checks. 

  • Can I change my nominated volume after submitting an EOI?

    Yes, a participant can change or withdraw their EOI at any time before the EOI closure date. However, when a volume of water is offered to a participant, that volume is non-negotiable. Participants can either accept or reject the offer made to them. 

  • What are the payment terms?

    Customer will be offered three options. 


    • Customer can accept Murray Irrigation standard payment terms, Payment due 5pm  Thursday, 28 October 2026.

    Murray Irrigation is offering financing options to allow customer to better manage their cash flow. Two options are available:


    • 5 months financed option, payment due 5pm, 28 January  2027. 10.35% annual interest (pro-rata 5/12) is applied to the invoice from the acceptance of the offer until the payment due date.

    • 10 month financed option, payment due 5pm, 28 June 2027. 10.35% annual interest (pro-rata 10/12) is applied to the invoice from the acceptance of the offer until the payment due date.

    Customers who elect to utilise the 5 or 10 month payment option will undergo a credit check. Upon acceptance of an offer that includes these payment terms, customers will be contacted by the Company to provide an ABN, for Murray Irrigation to complete this credit check. By providing your ABN, you consent to its collection, use and verification for the purposes of assessing and managing your application for commercial credit and related services.

  • What happens if I apply for the 5 or 10 month payment terms but do not meet the requirements of the credit check?

    If a customer who has applied for the 5 or 10 month payment terms does not meet the requirements of the credit check, Murray Irrigation will contact you to discuss your payment options. 

  • What happens to the interest if I pay my account early?

    Customers who accept either financed option, who decide to pay the invoice early will receive an interest credit equivalent to the number of days paid early.

  • When will the water be available?

    Two business days after participants accept the Company’s offer, they may begin to order this water for delivery*. 


    The water allocation the participant agrees to purchase will not be credited to the participant’s water allocation account until after the participant has paid for it. We will, however, create an overdraw facility within participant’s water allocation account which will enable water ordering and water delivery in excess of the participants available water allocation. The overdraw limit will be equal to the volume of water allocation the participant has agreed to purchase. 


    Once payment for the water has been received, the water allocation purchased will be credited to the participant’s water allocation account and this will clear any overdraw limit.  


    We may choose not to allow a participant to overdraw their water offer subaccount at any time while they have overdue fees and charges.


    *For customers who elect to utilise the 5 or 10 month payment terms, water availability timeframes are subject to credit checks.

  • Can the water be traded after purchase?

    Participants will have the water allocation credited to their water allocation account after they have paid for it and they cannot trade it until that time. Participants are encouraged to use the water on-farm but there are no special restrictions associated with the trade of the water allocation once payment is received. The usual rules for trade of water allocation apply.

  • What if customers apply for more than the available volume?

    If the offer is oversubscribed, participating customers will be offered a pro rata volume calculated using the total delivery entitlements held across all accounts under the participating customer number. If a participant is dissatisfied with the volume offered to them, they can reject the offer. 

  • What if customers apply for less than the available volume?

    Surplus available water will remain in Water Solutions for future opportunities.

  • Can the water be carried over to next season?

    If a participant has water remaining in their water allocation account as at 30 June 2027, the usual carryover rules will apply. It is up to the individual to manage their water allocation within the carryover rules.

  • Will Murray Irrigation be offering other water purchase opportunities during the 2026/27 season?

    Subject to available allocations, Murray Irrigation through Water Solutions, may offer further alternate water purchase opportunities throughout the season. For further information about Water Solutions, please subscribe to our Water Solutions mailing list on the Water Products page of our website.  

More ways to pay

Murray Irrigation has introduced delayed payment options to better align with farm income cycles, allowing Sustainability Product customers to manage their cash flow throughout the season. 

Simply select from the following payment terms options during acceptance:

60 days interest free


  • Standard MIL terms
  • Payment due 60 days from acceptance of water transaction
  • No interest
5 months @ 10.35% interest*


  • Payment due 28 January 2027
  • Interest charged at 10.38% p.a. from day one post acceptance of water transaction
10 months @ 10.35% interest*


  • Payment due 28 June 2027
  • Interest charged at 10.35% p.a. from day one post acceptance of water transaction

*Subject to credit checks

More information

For more information on any of our Water products, contact the Water Solutions team on water.solutions@murrayirrigation.com.au.