Why Macquarie?

Our Cash Management Account and Cash Management Accelerator Account offer you and your clients award-winning functionality to enable control, transparency and speed. 

"Macquarie's CMA is easy for our clients to use."

Virginia Heyer StrategyOne Advice Network

Purpose built for advisers

With easy online applications and reports available, plus innovative functionality such as adviser-initiated payments, you have more time to focus on what’s really important – your clients. 

Data feed integration

Connected to more than 70 platforms, with three years of data feeds and ten years of statements available online to help inform financial decisions and manage capital gains tax.

No monthly fees

No monthly fees or minimum deposit conditions.

A favourite among SMSFs

The chosen cash hub for 1 in 3 SMSFs1. Year after year, we’ve been awarded best cash and term deposits by CoreData SMSF Awards and SMSF Adviser SMSF Awards.

Wealth ecosystem cash hub

By integrating with term deposits, our high interest Accelerator Account, wrap platform and Macquarie Online Trading, the Macquarie CMA becomes an efficient cash hub sitting at the centre of your clients' wealth ecosystem. 

Smarter stockbroking

Be ready to act on market opportunities at scale with adviser-initiated payments, automated settlements and easy tracking of transactions and dividends. 


Macquarie's CMA is easy for our clients to use

Virginia Heyer - StrategyOne Advice Network


Our business runs smoothly with Macquarie's CMA

Charlie Viola - Pitcher Partners


Reaching more clients with cash flow management

Pursue Wealth

Interest rates

Interest on the Macquarie CMA is calculated using stepped interest rates, which means that account holders may be paid a different interest rate for different portions of their balance.

Product Balance portion Interest rate
Advised accounts
$0-4,999.99 0.25% pa**
$5,000 + 0.25% pa**
CMA Accelerator
Advised accounts
$0-9,999,999.99 0.50% pa
$10,000,000 + 0.30% pa

Interest rates effective from 9 November 2020 and are subject to change without notice.

** Rate includes 0.25% pa adviser rebate and is available to advised accounts who opened accounts on or after 1 July 2014. If your account was opened before 1 July 2014, we recommend you check your statement or speak with your adviser for further information on your current interest rate.

For the interest rates that apply to cash accounts linked to wrap, please visit the wrap page.

Interest on cash accounts linked to wrap are calculated differently. However, clients who close their wrap account but decide to keep their CMA will, at that point, then be subject to the stepped interest rates listed above.


Cash Management Account offer documents

Document Link
Product Information Statement Download PDF
Product Flyer Download PDF

Cash Management Accelerator Account offer documents

Document Link
Product flyer Download PDF
Product Information Statement Download PDF 

Account fees

Fee Type Fee amount
Monthly account fee Free

Cheque books (30 cheques)

From 1 December 2020, you won’t be able to deposit our cheques overseas and we won’t process a cheque of ours if it’s been presented overseas. 

$30.00 each

Online payments

Make internal transfers, pay anyone and BPAY® payments through online banking and mobile banking on an immediate or scheduled basis.


Bank cheques

Purchase a bank cheque issued by Macquarie with funds drawn immediately from your Account.

Bank cheques can be requested by phone or at a Macquarie Branch.

From 1 December 2020, you won’t be able to deposit our cheques overseas and we won’t process a cheque of ours if it’s been presented overseas. 

$10.00 each

Audit letter

Viewed/printed online

Requested via Client Services



$60.00 each

Cancelled bank cheques $6.50 each
Dishonoured payments (including cheques) Free
Stopped cheques Free

Special clearance2

Fast track a cheque deposited into your Account. Normal cheque clearance times can take up to three Business Days

2Please send your special clearance requests, together with your cheques to be deposited, directly to Macquarie. Special clearance cannot be requested through NAB.

$18.00 each

Transaction investigation:            

Simple trace

Complicated trace


$30.00 each

$60.00 each

Foreign currency cheque deposit (refer to the Product Information Statement)3

3 Deducted from the deposit amount. From 1 December 2020, we’ll no longer accept foreign currency cheques.

$60.00 each

Australian dollar (AUD) draft deposit greater than $10,0004

4Deducted from the deposit amount.

$50.00 each

Real Time Gross Settlement (RTGS)

Transfer funds within the same Business Day to another Australian financial institution (subject to cut off time below).

$30.00 per transfer

International funds transfer

Transfer to an international financial institution account5

5Financial institution levy charges may apply. If these charges are deducted from the funds, this will result in the beneficiary receiving a lesser amount than transmitted.

$30.00 per transfer


Viewed/printed online

Paper statement mailing fee

Requested via Client Services

6Historical statements for up to 10 years are available online. You may be eligible for an exemption from the paper statement fees. For more information, contact us.



$2.50 per statement

$7.00 per request

Daily transaction limits

Transaction type Limit
Client online transfer limit* $20,000
Bpay No limit
Adviser initiated payments $100,000
Bulk transacting No limit

* For funds transfers to your nominated accounts or between your Macquarie accounts available via online banking there is no daily limit.

3 multi-ethnic business women meetng around a laptop in an office.

Easy to switch

We have a team dedicated to making your transition as simple as possible. They work with businesses of all sizes and stages in their lifecycle and will work closely with you to:

  • map out the transition process step by step, ensuring key dates are agreed 
  • support you through account opening and integration of data feeds
  • provide training to ensure your staff are confident prior to transitioning
  • provide ongoing support during and after the transition.  

Opening a new CMA

If you’d like to know more about our CMA, 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 CMAs by completing our adviser registration form.

Already registered?

After you're registered, click on the link below to open a CMA online. 

Frequently asked questions

We’re using email more and more as the preferred way to communicate with your clients when needed about their statements being available, and other important account-related information.

As we move to more digital methods of providing account information, we encourage all clients to ensure their email and other contact information, including mobile, is up to date.

To ensure we have up to date contact information for your new clients, this is mandatory in the application process.
No. Your clients will be able to open a joint account and can continue sharing the same email address.

One welcome email will be sent to the email address for both clients. They will need to individually click on the link and enter their date of birth. Once entered, they will be taken to their unique application form. Each client will have their own application form and will need to approve them both for the account to be opened successfully.

It’s important to ensure that both clients have ongoing access to the email address. This is our primary way of communicating with clients. It’s important that your clients nominate their current email address and mobile telephone number for the purposes of receiving notices and information about their account.

At Macquarie, we empower people to innovate and invest for a better future.

We take our obligations as a responsible lender and a signatory to the Banking Code of Practice seriously, and we’re proud to reward our savers and borrowers with award-winning products including great rates, choice and an exceptional experience.  

Deposits held by Macquarie Bank support our lending to Australian households and businesses, including home loans, vehicle loans and loans to support local small to medium sized businesses.

Macquarie’s environmental, social and governance (ESG) commitment reflects our responsibility to our clients, shareholders and the communities in which we operate.

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

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.

Macquarie Online Trading is a service provided by Third Party Platform Pty Ltd (TPP) ABN 74 121 227 905 AFSL 314341, at the request of MBL. TPP is a Participant of the ASX Group. Neither TPP nor MBL are representatives of each other. Some of the fees paid to TPP for the provision of its services will be remitted to MBL. TPP and MBL do not provide personal financial advice in relation to Macquarie Online Trading.


Terms and conditions apply.


Rate includes 0.25% pa adviser rebate and is available to advised accounts who opened accounts on or after 1 July 2014. If your account was opened before 1 July 2014, we recommend you check your statement or speak with your adviser for further information on your current interest rate.


Source: Macquarie Bank Limited data, ATO Self-managed Super Fund Statistical Report.