Cash management solutions

0.50

% p.a.

on your clients' Macquarie Cash Management Accelerator Account balance under $10m^*

0.25

% p.a.

on your clients' total Macquarie Cash Management Account balance^**

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

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.

Download the flyer

Your cash flow planning tool

Help your clients look at their overall cash flow position: how they’re spending their money; and whether they’re putting money towards liabilities and expenses, or wealth-building assets.

Download the tool

Product information

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
CMA Advised accounts	$0-4,999.99	0.25% pa^**
CMA Advised accounts	$5,000 +	0.25% pa^**
CMA Accelerator Advised accounts	$0-9,999,999.99	0.50% pa
CMA Accelerator Advised accounts	$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.	Free
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	Free $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
Statements⁶ 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.	Free $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.

How to apply

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.

Request a call

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.

FAQs

Frequently asked questions

Why are email and mobile details mandatory in the application process?

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.

Both my clients use the same email. Will this cause an issue when opening a joint account online?

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.

What are my deposits being used for?

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.

For more help and support topics, visit Adviser Help Centre

Insights

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.

Request a call

Help and support

Visit our Adviser Help Centre and search our adviser FAQs.

Your questions answered

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.