A simple to use online savings account

• No minimum balance
• Interest is calculated daily and paid monthly
• Unlimited transactions to a linked account
• No establishment or transaction fees
• A bank account that is covered by the Government Guarantee^†

How does this compare with other Macquarie Cash products?

Product name	Macquarie Bank Term Deposit	Macquarie Cash XL	Macquarie CMT	Macquarie CMA
Purpose	A fixed rate for a fixed term	The high interest online savings account for investors	Australia's leading CMT	A Government guaranteed† cash hub
Interest rate type	Fixed	Variable	Variable	Variable
Interest rate value	4.50%pa*	3.15%pa^	1.81%pa^^	3.00%pa**
Minimum investment	$10,000	No minimum	$5,000	$5,000
No transaction fees
At call access to cash

» Important Information  » Privacy Policy  » Financial Services Guide
© 2009 Macquarie Group Limited ABN 94 122 169 279

• * Interest rates apply on balances of between $10,000 and $1 million with terms of 1 to 24 months, rates are subject to change. For deposits over $1 million please call 1800 057 056. Interest is paid on maturity. Fees are payable and terms and conditions are available on request. The interest rate applicable on the Macquarie Term Deposit is set upon the opening of the account after all account opening conditions have been met.
• ** Rates on this product are variable and subject to change without notice.
• *** Interest rates quoted applies to interest payments received at maturity. Quarterly interest payments will be recalculated and may differ from advertised rates.
• ^ Rates on this product are variable and subject to change without notice. The Macquarie Cash XL rates above are valid as at 6 February 2009.
• ^^ Daily Average Annualised Rate.
• # Interest paid on maturity on balances of between $10,000 and $5 million with terms of 1 to 24 months, rates are subject to change. For deposits over $5 million, please call 1800 057 056.
• ® Registered to BPAY Pty Ltd ABN 69 079 137 518
• † For more information on the Federal Government's guarantee on deposits under the Australian Government's Financial Claims Scheme, including types of accounts and applicable monetary thresholds, you should visit www.treasury.gov.au and click on the link to 'Guarantee of Wholesale Funding and Deposits'.
• To change your address or your Nominated Bank Account, please call 1800 184 876.
• †† The Australian Government has committed to maintaining the Retail Guarantee for aggregate deposits up to $A1 million for three years from 12 October 2008. The Retail Guarantee is the term we use to describe the Government's guarantee under the Financial Claims Scheme, which covers aggregate retail cash deposits of up to $A1 million held by any one account holder with Macquarie Bank Limited (MBL) without charge to MBL or the account holder. A government fee is payable in order for the Wholesale Guarantee to apply to aggregate deposits of $A1 million or more held by any one account holder with MBL. The Wholesale Guarantee is the term we use to describe the Government's guarantee under the Large Deposits and Wholesale Funding Scheme. From 13 July 2009 the Wholesale Guarantee will only be available on a limited range of Macquarie deposit products. Fees apply in order to secure the Guarantee on some products, please contact us for further information. For general information on the Australian Government's guarantee arrangements, including types of accounts and applicable monetary thresholds, visit http://www.guaranteescheme.gov.au/
• All of the rates referred to on this page are subject to change without notice.
• The information on this page is provided by Macquarie Equities Limited ABN 41 002 574 923 (MEL), participant of Australian Securities Exchange Group, Australian financial services licence no. 237504, Level 18, 20 Bond Street Sydney NSW 2000. This information does not take into account your objectives, financial situation or needs. Before acting on this general advice you should consider whether it is appropriate to your situation. We recommend you obtain financial, legal and taxation advice before making any financial investment decision.
• The Macquarie Cash Management Trust (CMT) is offered by Macquarie Investment Management Limited ABN 66 002 867 003 (MIML). In deciding whether to acquire, dispose of or continue to hold an investment, you should consider the current Product Disclosure Statement (PDS). You can obtain a copy of the PDS by contacting us. Investments in the Trust are not deposits with or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 or of any Macquarie Group company and are subject to investment risk, including possible delays in repayment and loss of income or principal invested. None of Macquarie Bank Limited, MIML or any other member company of the Macquarie Group guarantees the performance of the Trusts or the repayment of capital from the Trusts or any particular rate of return.
• The Macquarie Bank Term Deposit and the Macquarie Cash Management Account are issued 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. Macquarie Cash XL is a deposit account provided by Macquarie Bank Limited ('Macquarie'). As a licensed Australian bank, Macquarie is subject to regulation by the Australian Prudential Regulation Authority. Macquarie also holds Australian Financial Services Licence No. 237502 and is subject to regulation by the Australian Securities and Investments Commission.
• Any subsidiary of Macquarie Group Limited ABN 94 122 169 279 (MGL) noted on this page (except MBL) is not an authorised deposit-taking institution for the purposes of the Banking Act (Cth) 1959. That subsidiary's obligations do not represent deposits or other liabilities of MBL or MGL. Neither MGL nor MBL guarantees or otherwise provides assurance in respect of the obligations of that subsidiary, unless noted otherwise. Members of the Macquarie Group including MEL may receive remuneration from the issue of the financial products referred to in this advice in the form of fees or commissions. These amounts are described in more detail in the relevant Product Disclosure Statement ("PDS") and/or MEL's Financial Services Guide which are available from us.
• Any calls will be answered by Representatives of Macquarie Equities Limited (MEL) ABN 41 002 574 923. Participant of Australian Securities Exchange Group, AFSL No. 237504, Level 18, 20 Bond Street, Sydney NSW 2000. These representatives will only provide you with general advice.