Features and benefits of our cash ecosystem

A suite of solutions 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 important – your clients.


Your connected cash hub

Macquarie’s CMA becomes the centre of your clients' wealth ecosystem. Connect seamlessly with over 45 platforms, including Macquarie's term deposits and high interest Accelerator account, enabling you to deliver on your clients' cash needs.

Competitive rates and no account keeping fees

Competitive interest rates on our cash management account, Accelerator account and term deposits, and with no account keeping fees.1

A favourite among SMSFs

Our CMA is the chosen cash hub for close to 1 in 3 SMSFs.2 We’re proud to have been awarded best cash and term deposits by SMSF Adviser SMSF awards3 for 6 years in a row.

Seamless integration

Seamlessly connect to Macquarie’s broader wealth ecosystem with easy online account opening and software integration which includes transaction history and account balance data feeds.

Instant visibility

View live balances and make overnight transactions that are visible to you and your client through our adviser and client online portals and our award-winning mobile app.  

Man on lounge with laptop in casual home setting

Access higher interest with Macquarie Accelerator

The Macquarie Cash Management Accelerator Account (Accelerator) is a high interest savings account linked to the Macquarie CMA.

Securely hold clients’ at-call cash reserves at a higher interest rate than the CMA, and then transfer funds between an Accelerator account and a linked Macquarie CMA in real-time on business days.

You can add an Accelerator account to an existing CMA, or open a new CMA and linked Accelerator at the same time. Open an Accelerator account on behalf of your client today.

Why cash flow matters and your planning tool

Why cash flow matters and your planning tool

Cash flow management is an essential building block for a strong financial foundation.

Help clients understand its importance and share our tool so they can understand their cash position.

Download the flyer and download the planning tool.


“We are a fully integrated cash solution. Our ecosystem enables the visibility, speed and control that advisers need in order to deliver an exceptional experience and the best returns for their clients."

Olivia McArdle

Head of Payments and Deposits


Olivia McArdle standing in office
Olivia McArdle standing in office
Saul Fuse Wealth

Talking to your clients about our integrated cash suite

Use our dedicated end-client page to showcase the benefits of our integrated cash management solutions with your clients. It's designed specifically to help drive conversations when it comes to their cash needs.

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.

Balance portionInterest rate
All2.75% p.a.
CMA Accelerator accounts
Balance portionInterest rate
$0-1,999,999.994.65% p.a.
$2,000,000 -9,999,999.994.15% p.a.
$10,000,000 +3.00% p.a.

Interest rates effective from 8 April 2024 and are subject to change.

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

Product Information StatementDownload PDF
Product FlyerDownload PDF

Cash Management Accelerator Account offer documents

Product flyerDownload PDF
Product Information StatementDownload PDF 

Account fees

Fee TypeFee amount
Monthly account feeFree

Cheque books (30 cheques)


Online payments

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


Bank cheques

Request 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.


Audit letterFree
Cancelled bank chequesFree
Dishonoured payments (including cheques)Free
Stopped chequesFree
Transaction investigationFree

Real Time Gross Settlement (RTGS)

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


International funds transfer



6Historical statements for up to 10 years are available online. For more information, contact us.



Daily transaction limits

Transaction typeLimit
Client online transfer limit*$100,000
Adviser initiated payments$500,000

*The $100,000 limit is applicable for customers who use the Macquarie Authenticator App and are registered for Electronic Banking. Otherwise, a default limit of $5,000 ($2,000 from Monday 22 July 2024. Learn more.) will apply.

Macquarie Authenticator

Macquarie Authenticator is a secure digital verification and transaction approval tool.

Macquarie Term Deposit

A simple, secure investment to help boost your clients' savings. 

Two businesswomen sitting and talking to each other while in their office during the day
Be confident that your clients’ money is invested securely and with a competitive fixed interest rate.

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. 

Add an accelerator or term deposit to your clients’ ecosystem

Configure our cash solutions into an ecosystem designed to deliver higher returns for your clients.

New to Macquarie?

  • Check that Macquarie is available on your approved product list
  • Register yourself to start opening Cash Management Accounts by completing our adviser registration form
  • Already registered? Click here to open a Cash Management Account online

Frequently asked questions

You can complete an application for a Macquarie Cash Management Accelerator Account (Accelerator) on your client’s behalf via Adviser Online. Your client will need to approve the application online.

There are two ways you can open an Accelerator account for your client depending if they have an existing Macquarie Cash Management Account (CMA) or not.

My client wants to open a new CMA, and an Accelerator

You can open an Accelerator account at the same time as a CMA. Start a CMA application through Adviser Online and select the option to Open an Accelerator account as part of the application.

If you’re a non-AFSL holder, you can still submit an Expression of Interest.

Your client will receive two separate welcome emails. One for the CMA and one for the Accelerator.

My client has an existing CMA

You can complete a short-form online application which will let us replicate your client’s existing CMA details. Look up the client’s CMA in Adviser Online and select Open an Accelerator account.

Please note, in some cases we may require additional documentation due to changes in the legislation. This may include AML / CTF forms.

We’ll copy across your client’s:

  • account details
  • contact details
  • Tax File Number (TFN)
  • Authorised enquiry authorities
  • Primary adviser. Please note this includes enquiry authority and Limited Transfer Authority (LFTA) to allow them to transfer between the client's CMA and Accelerator.

We won’t copy across:

  • any linked accounts
  • third party authorities (not listed above)
  • any services on the accounts (eg direct debits).

If you or your client wants to set up third parties on the account, you'll need to fill out the right forms. For more information see What documents are required to have third party authority on an account?

Your client will receive a welcome email once the new Accelerator Account has been opened.

You can only choose this option if you’re the primary adviser.

Updating contact details

We also won’t update any contact details for your client’s CMA if they provide a different mobile and email on the application. We only use these details for the account opening process. If you or your client wants to update their details please see How can I update client contact details?

Paper applications

Accelerator is a digital product that must be linked to a CMA or IDPS cash account. As such, there is no paper or hardcopy application form.

Term deposits

Your clients can replicate a term deposit (TD) from their existing CMA. However, they can’t replicate a TD from their Accelerator account.

Bulk opening Accelerator accounts

If you’d like to open new Accelerator accounts for multiple clients, please contact your Relationship Manager.

Multiple Accelerator accounts for one client

Your clients can’t have multiple Accelerator accounts linked to a single CMA. When you create a new Accelerator, the name will replicate the CMA name.

Setting up data feeds

Your client’s ESI (External Systems Interface) data feeds are available for their Accelerator in the same way as for the CMA. You can find your ESI details through Adviser Online.

  1. Log in to Adviser Online
  2. Select your profile icon from the right-hand side of the top menu and select ESI details.

You can open a Term Deposit (TD) for your client through Adviser Online.

  1. Log in to Adviser Online
  2. Select Applications and click Open an account
  3. Select Open TD
  4. Confirm your AFSL status and whether this will be for a new client or an existing client. If you’re linking the TD to an existing cash account, search for the Cash Management Account (CMA) you want to link the TD to. If you select this option, the CMA will be linked for the purpose of funding the TD
  5. Select Next
  6. Select the account type and the method of application you want to use
  7. Enter your client’s details in the primary applicant fields. Please note that occupation, mobile and email address are all compulsory fields to complete before you can proceed
  8. Select Next
  9. Enter the investment details including the deposit amount, the term and the adviser distribution payment (if required)
  10. Select the interest payment options including the frequency and the payment method
  11. Enter the details of the account to be debited for your deposit(s). This is also the account which funds will be returned to when your TD account is closed.|

    It’s important to note that all withdrawals must be debited from an account in the same name as the TD and, we cannot accept a Macquarie Cash Management Accelerator account (Accelerator) for deposits.

  12. Enter the additional details including the source of funds and purpose of the account
  13. Select Next
  14. Enter the details of the primary adviser on the account and select Next
  15. On the final page, you can review all the application details
  16. If supporting documentation is required to complete your application, you’ll be directed to our document upload tool to upload these documents. Please note that these documents need to be uploaded prior to submitting your application
  17. If everything looks correct and the required documents have been uploaded, click submit.

What happens next?

After submitting your application, if you’ve selected the online method your clients will receive an email from us. From here, they’ll be able to download the offer documents, as well as click on a link where they can review the terms and conditions. They’ll need their email address and date of birth, as well as the PIN found in the email.

If you’ve selected the Print Sign and Upload option, once you’ve filled out all the required fields, you can print a copy of the form and get your client to sign it. You can then scan and upload the form via our document upload tool on Adviser Online. Please see steps 1-4 below for more detail.

If we’re unable to verify your client, we’ll send you an email with the additional documentation required. These documents need to be uploaded via the document upload tool which can be accessed via the link in the welcome email or through Adviser Online by following the below steps:

  1. Log in to Adviser Online
  2. Select Applications and click on Pending applications
  3. Select the application you want to amend by selecting your application reference ID
  4. Upload the signed application and any required supporting documentation using the document upload function.

You can complete an online application to open a Macquarie Online Trading Account on your client’s behalf via Adviser Online which your client will need to authorise online.

To open an account on behalf of your clients:

  1. Log in to Adviser online
  2. Select Applications and click Open an account from the left hand menu
  3. Click Open Online Trading
  4. If you can’t see Macquarie Online Trading on this page, you may need to register for MOT. For more information regarding this step, please see How do I register for Online Trading?
  5. Confirm your AFSL status and whether this will be for a new client or an existing client. If you select existing CMA this will be used as the settlement account
  6. Select the account type, how the application will be submitted and if the client would like a margin loan
  7. Enter your client’s details in the primary applicant fields including all compulsory fields
  8. Select Next
  9. Enter any existing trading account details if applicable. If you’re transferring a HIN from another broker, the account must be in the same name as the Macquarie accounts you're applying for
  10. Enter an email to receive contract notes and any applicable service fees for executed trades
  11. Select Next
  12. Enter the CHESS and account mailing address and click Next
  13. Enter the details of the primary adviser on the account and select Next
  14. If you’ve selected the online acceptance method, your clients will receive an email. You can choose to add a personal message and for it to come from your email address or from Macquarie
  15. Review the application. Any mandatory fields that aren’t completed will be highlighted in red
  16. Select submit when ready.

Contact us

Need help? If you’re an adviser, please contact us via live chat in Adviser Online. If you’re a client, please call

1800 806 310

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 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.

The Macquarie Cash Management Account is issued by Macquarie Bank. The offer documents for the products referred to on this page are available on the Macquarie website and investors should consider the relevant offer document in deciding whether to acquire, or continue to hold a Macquarie product.

Target Market Determinations are available at our Design and Distribution hub.

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 and Cboe Australia. 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.

Prior to 1 December 2020, we may have paid commissions where your Cash Account was set up by a Financial Services Professional prior to 1 July 2014. By law, we are required to cease the payment of such commission from 1 January 2021 onwards. Macquarie has voluntarily chosen to end these arrangements early and from 1 December 2020, we will rebate the benefit of these commissions to Cash Accounts through the interest rate applicable on the Cash Account.


Early break fees apply to term deposits.


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


Award from 2016 to 2021.