Term Deposit

Features

Lock in solid returns for your clients and get a crystal clear view of their Macquarie cash portfolios.

Ideal for: clients wanting a fixed-term, with returns locked in at an attractive rate.

Adviser benefits

• Online access and visibility – so you have a crystal clear view of your clients’ Macquarie cash portfolios
• Faster, easier applications – with online and signatureless applications.
• Exceptional service – dedicated adviser services team to make your day-to-day client management a whole lot easier
• Flexible commission options – your clients can nominate your trail commission with options from 0.00% pa to 0.25% pa.

Client benefits

• Competitive interest rates across a range of terms from 1 month to 5 years*
• No establishment or account keeping fees
• Easy application and management through your adviser
• SMSF ready

Term deposit interest rates - deposits up to $1 million

Interest paid at maturity 1 month 4.50% pa 2 months 4.50% pa 3  months   4 months 5.55% pa 6  months 5.55% pa 9  months 5.30% pa

Interest paid annually 1 year 5.20% pa 2 years 5.25% pa 3 years 5.75% pa 4 years 6.00% pa 5 years 6.25% pa

Additional rates are available for other interest payment options, including monthly, quarterly, 
half-yearly, annually and at maturity. View more rates

  

	Macquarie CMA more info	Macquarie Bank Term Deposit	Macquarie Cash XL more info
Interest rate
What's it for?	Central cashflow management hub	Lock in solid returns for cash you don't need till later	Maximise growth on cash needed soon
Minimum Investment	$5,000	$10,000	No minimum
No account-keeping fees
Competitive interest rate
At call access to cash

Frequently asked questions

How often do the rates change?
The term deposit interest rates are based on the overnight cash market. The rates are set each morning by Macquarie Treasury and updated on our website before 10am. Please check the rates on the website on the morning your client will be applying to be sure of the rate they will receive.

How long will it take to setup my term deposit?
When your client faxes the application to Macquarie on 1300 736 967 before 3pm on any given business day, we will setup the account for them on the same day. Their bank account will be debited on the same day also and they will begin to accrue interest in their term deposit. Overnight the Active Banking website will be updated and your client will be able to log in to view their account details.

Will my client's funds be locked away?
Yes. However, your client may request to withdraw funds from their Term Deposit prior to the agreed maturity date. This will be at our discretion and an interest adjustment may apply. See Making changes to a Term Deposit before maturity in the Product Information Statement for more information.

Tools

Flyer name	Use this flyer to...
Term Deposit	Provides essential information to the client about Macquarie Term Deposits
Term Deposit interest rates	Information on the latest Macquarie Bank Term Deposit interest rates
Simple tools to manage your cashflow	Explain why earning more money doesn't always translate into wealth
Cashflow plan	A workbook for your clients to complete and to help them identify gaps in their cashflow management
Cashflow management card	Explain the importance of implementing a cashflow management system
Online applications made simple	A guide to the online applications service in your.clients@macquarie

Forms

Application forms

Form name	Use this form to...
Macquarie Bank Term Deposit	Apply for a Macquarie Term Deposit.

Online registration

Form name	Use this form to...
Macquarie Online and Phone Registration	Register for access to transact@macquarie and/or Macquarie PhoneLink or change your selection for these services.
Online Adviser Registration	Register for access to your.clients@macquarie.
Online Employee Registration	Register your employees to access your.clients@macquarie.

Third party authority

Form name	Use this form to...
Adviser Limited Third Party - Authorisation	Register for authority to transfer funds between your client's CMA and Cash XL accounts and establish authority to open term deposits.

Account maintenance

Form name	Use this form to...
Change of Account Details	Update account information including address and contact details.

Transacting forms

Form name	Use this form to...
Authority to Transfer	Manage your clients' cashflow by consolidating their funds from other bank accounts into their CMA or Cash XL accounts.
Deposit	Make additional deposits into your clients' existing CMA.
Direct Debit Request	Debit a nominated account with another financial institution for regular deposits to your clients' CMA or Cash XL accounts.
Foreign Currency Cheques	Use this form to deposit foreign currency cheques.
Income Redirection	Arrange for your clients to redirect their income (salary, rental, super and pension payments) to their CMA or Cash XL account.
Interest and Dividend Payment Authority	Arrange for your clients' dividend or interest payments from their investments to be paid directly into their CMA.
Overseas Telegraphic Transfer and Bank Draft Request	Transfer funds overseas and/or request a bank draft.
Periodic Payment Authority	Setup or amend regular payments from your clients' CMA (such as pension payments).
Withdrawal	Request to withdraw funds.

Deceased estates

Form name	Use this form to...
Deceased Estate Change of Account Details	Change account details on a deceased estate account.
Deceased Estate Withdrawal	Withdraw funds from a deceased estate account.

Fast fax

Form name	Use this form to...
Fast Fax	Receive your client's portfolio account number by fax.

Offer documents

Document name	Use this document to...
Macquarie Bank Term Deposit	The product information statement includes the application form.