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

business man talking with woman in bright office

Cash alternatives

Hidden risks in a safe haven

What to look out for when managing clients’ cash.

Interest rates

Current 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
All 0.50% p.a.
CMA Accelerator
Advised accounts*
$0-9,999,999.99 1.35% p.a.
$10,000,000 + 0.85% p.a.
  * From 16 September 2022, we'll be introducing a new step for Accelerator, which may lead to you earning different rates of interest for the daily closing balance within each applicable step.  

Interest rates effective from 14 July 2022 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

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)


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 letter Free
Cancelled bank cheques Free
Dishonoured payments (including cheques) Free
Stopped cheques Free
Transaction investigation Free

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 type Limit
Client online transfer limit* $100,000
Bpay No limit
Adviser initiated payments $500,000
Bulk transacting No limit

*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 $20,000 will apply.

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 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 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 is available to accounts with a primary financial services professional that is licensed to give financial product advice. 

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.


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