Competitive interest rate: a variable interest rate of %pa* - calculated daily, paid monthly
SMSF-ready: can be used as a cash hub for a self-managed super fund (SMSF), simplifying super fund accounting, tax returns and end of year auditing. The Macquarie CMA is the chosen cash hub for one in every four self managed super funds**
Easy to apply: secure and fast online application with electronic verification.
Personalised service: our commitment to service means you speak to a real person every time.
No ongoing fees: no monthly account-keeping or management fees
Flexibility: easy access to your cash via online or phone banking, cheque book facility and Bpay®
Visibility: access 10 years of statements online showing income, contributions, dividends, distributions, pension payments, expenses and asset purchases or sales
Security: covered by the retail Government Guarantee^ for aggregate deposits held with Macquarie Bank of up to $A250,000
Exclusive rewards for Macquarie Gold and Platinum credit cardholders: the ability to redeem your Macquarie Credit Card Reward points for cash back into your Macquarie CMA#. Click here for more details
Online application and electronic verification: this convenient application process is secure and fast, generating your new account number in real time.
Macquarie has been a leader in cash management for three decades. Its cash management solutions are used by more than 400,000 investors and more than 10,000 financial advisers. Macquarie has built this position through exceptional service and innovative features and functionality.
Security of your cash investments
How secure is Macquarie?
Macquarie Bank is an Authorised Deposit taking Institution (ADI), like the other retail banks in Australia. ADIs are regulated under the Banking Act 1959 (Cth). Under the Banking Act, if an ADI becomes unable to meet its obligations, its first priority is to meet its deposit liabilities. This means that all bank deposits rank ahead of equity investors and other creditors.
Why is the Macquarie Cash Management Account and/or the Macquarie Bank Term Deposit online application not displaying correctly?
The Macquarie Cash Management Account and Macquarie Bank Term Deposit online application is compatible with Internet Explorer 7 and 8, Firefox and Chrome internet browsers. If you are using Internet Explorer 6, you may experience some issues with how the application displays but it will not affect your application. Continue to complete your application and we will be in contact if any additional information is required.
How do I check if I have Internet Explorer 6?
On your browser, click 'Help' and select 'About Internet Explorer.' This will indicate which version of Internet Explorer you are using.
Why do I need to complete an identification form?
The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 requires the collection and verification of specific information from clients.
When do I need to provide an identification form?
You must supply an identification form unless you are an existing active Macquarie account holder. We may require further information from you from time to time in order to meet our obligations under AML/CTF Laws.
How do I get my identification forms certified?
A certified copy is a document that has been certified as a true and accurate copy of the original document.
This can be done by approaching one of the authorised certifiers below. The authorised person should also print their name and position and if possible affix an official stamp.
Judge of a Court
CEO of a Commonwealth Court
Registrar or Deputy Registrar of a Court
Justice of the Peace
Agent of Australia Post
Australian Consular or Diplomatic Officer
Officer of Financial Institution (min. two yrs)
Australia Post Employee (min. two yrs)
Finance Company Officer (min. two yrs)
Officer or Authorised Representative of Australian Financial Services Licensee (min. two yrs)
Member of the Institute of Chartered Accountants, CPA Australia or the National Institute of Accountants (min. two yrs membership)
Macquarie Cash Management Account
The next-generation cash hub with a competitive interest rate*
Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice contained in this website and before making any investment decision we recommend that you consider whether it is appropriate to your situation and seek appropriate financial, taxation and legal advice. We recommend that you read our Financial Services Guide before deciding whether to obtain financial services from us. If an offer document is available for a product referred to on this site, you should read it before making any investment decision. Information on this website is intended for residents of Australia only.
Except for Macquarie Bank Limited (MBL) (Australian Credit Licence (ACL) 237502) ABN 46 008 583 542, any Macquarie entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of MBL. MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.
The Macquarie Cash Management Account is a deposit account provided by Macquarie Bank Limited ABN 46 008 583 542, Australian financial services license no. 237502 (MBL). Fees and charges may be payable. Terms and conditions are available upon request.
*The Macquarie Cash Management Account interest rate is variable and subject to change without notice.
**Source: Macquarie Bank Limited data, ATO Self-Managed Super Fund Statistical Report.
^In September 2011 the Australian Government announced a number of changes to the Financial Claims Scheme (Government Guarantee). From 1 February 2012, a permanent guarantee cap of $250,000 per account holder per institution will be introduced, subject to the continued advice of financial regulators that this remains appropriate. Further information about the Government Guarantee can also be obtained from the APRA website at www.apra.gov.au and the APRA hotline on 1300 558 849.
#Cash back redemption option is only available if you have a Macquarie Cash Management Account or Macquarie Cash XL (“Macquarie Account”). Upon redemption cash will be deposited to your Macquarie Account within 15 days of receiving the redemption request. Macquarie Reward points do not have any monetary value and are not transferable. See macquariebankrewards.com.au for more details.