Boost your clients' savings

A Macquarie Term Deposit offers a simple, secure investment to help boost your clients' savings. 
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Be confident that your clients’ money is invested securely and with a competitive fixed interest rate.

Features

Perfect for existing clients

Your clients can hold a term deposit as part of their wrap portfolio or link one directly to their Macquarie Cash Management Account (CMA), giving you more flexibility to manage their investments.

Flexible payments and terms

Your clients can choose how often they’d like to receive interest payments and we offer a range of terms to suit their needs and overall investment strategies. 

Quick and secure online set-up

With the ease of an online application with electronic verification, you can begin the application process on behalf of your client and track its progress. 

 

Award-winning1 SMSF solution

By linking our award-winning term deposit and cash solutions,  you can simplify your clients' self-managed super fund (SMSF) accounting, tax returns and end-of-year financial reporting.

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Why cash flow matters

Cash flow management is an essential building block for a strong financial foundation. Help your clients understand why cash flow management is increasingly important for growing their wealth and reaching lifestyle goals.

All interest rates

These rates apply to financial advisers only. If you are a Macquarie Business Banking client please contact your relationship manager for applicable term deposit rates.

Term Interest paid at maturity Interest paid monthly Interest paid quarterly Interest paid annually
1 month 0.10% p.a. 0.10% p.a.    
2 months 0.10% p.a. 0.10% p.a.    
3 months 0.90% p.a. 0.90% p.a. 0.90% p.a.  
4 months 0.90% p.a. 0.90% p.a.    
6 months 0.90% p.a. 0.90% p.a. 0.90% p.a.  
9 months 0.90% p.a. 0.90% p.a. 0.90% p.a.  
1 year 0.90% p.a. 0.90% p.a. 0.90% p.a. 0.90% p.a.
2 years 1.00% p.a. 1.00% p.a. 1.00% p.a. 1.00% p.a.
3 years 1.05% p.a. 1.04% p.a. 1.05% p.a. 1.05% p.a.
4 years 1.05% p.a. 1.04% p.a. 1.05% p.a. 1.05% p.a.
5 years 1.10% p.a. 1.09% p.a. 1.10% p.a. 1.10% p.a.

 

For more information on rates for term deposits greater than $1million, contact your business development manager or request a call now.

Offer documents

Document Link
Term deposit product information statement Download PDF
Term deposit further information booklet Download PDF
Term deposit application guide Download PDF

Opening a new term deposit for your clients

If you’d like to find out more about our term deposits, request a call below and one of our specialists will be in touch. 

New to Macquarie?

  • Check that Macquarie is available on your approved product list.
  • Register yourself to start opening term deposits by completing our adviser registration form.

 

Already registered?

After you're registered, use the login below to open a term deposit online. 

Log in to your account

Frequently asked questions

Your client can hold either a Wrap or standalone Term Deposit.

To amend the maturity details of retail term deposits, follow the below steps:
 
  • If you close the Account prior to maturity, we’ll apply an interest adjustment
  • You must provide us with 31 days’ notice to close your Account prior to Maturity, except in cases of hardship.

If your client holds a Wrap Term Deposit, you can amend the maturity instructions by following the below steps:
 
  1. Log into Adviser Online
  2. Select Clients from the main navigation
  3. Select Wrap account administration from the sub-navigation
  4. Select Maintain an/a investment/superannuation/pension account
  5. Choose your client’s account and proceed
  6. Select Enter or maintain term deposit maturity election.

Please note: For rollovers, the elected maturity instructions will continue to apply unless modified online (by 9pm Sydney time one business day before the maturity date).

There are no changes to the term deposit options as part of the launch of Evolution and the Consolidator II and Manager II products. There are no differences between the term deposit options offered between the Consolidator II – Engage and the Consolidator II – Elevate Investment Menus.

Term deposits are available from:
 

  • Macquarie Bank
  • ANZ
  • National Australia Bank.
Your clients will be able to view their statement once it’s made available to them. This depends on the statement cycles which differs based on the product.

Cash Management Accounts

By default, your clients will receive their cash statements in half-yearly cycles. They can change this though if they want statements more frequently. The options for statement deliveries are:
 
  • Half Yearly: January-June; July-December
  • Quarterly: January-March; April-June; July-September; October-December
  • Monthly.

Statements are available online the day after the last day in the statement cycle. This includes weekends. Statements are also available online for up to ten years. Your client can elect to receive hard copies of their statements via the post. For more detail see Do clients receive tax statements and statements via mail?

Term Deposits

Your clients will receive their half yearly term deposit statements by mail. These are sent out every 6 months at the end of June and December.


IDPS Accounts

Your clients will receive an annual statement and quarterly reports for their investment accounts.

Superannuation and Pension Accounts

Your clients can view their half yearly report and annual statement for their super and pension accounts online.

As an adviser you can view and download your client’s statements through Adviser Online. However, you won’t be able to change their statement preferences.

Contact us

Monday to Friday 8am – 6pm (Sydney time)

1800 808 508

Talk to us today

To speak to a specialist complete this form and we'll be in touch.

Help and support

Visit our Adviser Help Centre and search our adviser FAQs.

Additional information

Unless stated otherwise, this information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502. It is provided for the use of licensed and accredited brokers and financial advisers only. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products.

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Winner of the SMSF Awards 2019 Cash and Term Deposit Platforms.