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To finalise a contract early, it must be paid out. You can request a payout figure at any time during the life of your contract. Please note paying out a loan early may incur additional fees and charges.
 

To obtain a payout figure:
 

• Log in to your YourLease account and request a payout figure instantly. You may also download a Payout Letter which will include payment instructions if you want to payout.

Depending on your loan type, your Payout Figure may be inclusive of various components. A general summary of payout figures by product type is shown below:

 

	Consumer (Consumer Loan)	Commercial (Chattel Mortgage, Finance Lease, Novated Lease, Commercial Hire Purchase)
Payout figure consists of	Principal balance Interest which has accrued daily since your last payment Early termination fee Financed insurance rebate (if applicable).	The payout figure is calculated as the present value of the sum of the following plus GST where applicable. To calculate the present value, the early termination rate/discount rate (as per the contract) is used.   Any and all amounts in arrears (if any); plus The present value of the remaining instalments which haven’t yet become due under the contract; plus The present value of the residual value or balloon payment; plus Any fees and charges payable on termination.
Expiry of payout figure	Five days from the date quoted.	The day before your next payment is due.
Fee	Includes an early termination fee. For contracts which commenced on or before 1 August 2017, this fee will be $750.00 reducing on a pro rata basis for each month of the loan term. For contracts which commenced after 1 August 2017, the Early Repayment Fee will be $750.00 reducing on a pro rata basis for each month of the loan term, plus a fixed fee of $50.00.	No applicable early termination fee.

You may also request a Payout Breakdown Letter or a Payout Explanation Letter, which will outline how your payout figure has been calculated.

With YourLease, you can access and manage your loan account details online anytime, anywhere. With YourLease, you can:
 

• view account information - including details about your upcoming payment, loan balance, interest rate (for Consumer Loans only) and manual payment details
• update your details - including your personal information and direct debit details
• request various documents - a full list of documents can be found here. You may also download a copy of your payment history and a payout letter instantly.

Once you've logged in, select the required information from the main menu (shown below).
 

For example, if you would like a payout quote, select the payout quote icon and it will take you to the screen below. Here you may request a payout figure and download a payout letter instantly.

The following fees apply to car loans on establishment when you apply directly through us:
 

Our car loan fees	Amount
Establishment fee	$350
Monthly account keeping fee	$8.25
Personal Property Securities Register (PPSR) fee  (Applicable to Consumer Loans Only)	$6

Note: You have the option to pay both the Establishment fee and PPSR fee upfront or have these consolidated into your loan payments as part of the amount financed.

The following overview can help you better understand the difference between our Transaction and Savings accounts and see which one best suits your needs.
 

Product Summary​	Transaction Account​	Savings Account​
Rates​	View all our rates here	View all our rates here
Eligibility ​	Be at least 14 years old ​ Have a permanent Australian address, email and mobile number ​ Be applying as an individual or joint applicant​	Be at least 14 years old ​ Have a permanent Australian address, email and mobile number ​ Be applying as an individual or joint applicant​ Must be linked to your Macquarie Transaction Account​
Debit Card​	​	X​
Deposit types​	Funds transfers​ Direct debits​ BPAY​® Australian Cheque & Cash​ Real Time Payments (NPP)​
Withdrawals​	Funds transfers​ BPAY​ Direct Debits​ Overseas transfers​ Bank cheques​ Mobile Payments​	Funds transfers​ BPAY​ Direct Debits​ Overseas transfers​ Bank cheques
Interest rate calculation	Calculated daily, paid monthly​
Online Access​	Macquarie Online Banking Macquarie Mobile Banking
Mobile payments	Apple Pay  Google Pay	X​
Additional Benefits	ATM fee refunds​ Discount on eGift cards. Find out more Budgeting and saving tools. Find out more Added security. Find out more  Transaction notification. Find out more Travel assistance. Find out more	Discount on eGift cards. Find out more Budgeting and saving tools. Find out more Added security. Find out more
Monthly/Annual Fees​	$0
Minimum Balance​	$0

Please follow the links to find more information about:
 

• Transaction accounts
• Savings accounts

®  Registered to BPAY Pty Ltd ABN 69 079 137 518

Transferring from a Macquarie bank account
 
When you do an electronic funds transfer (EFT) from a Macquarie bank account to another Australian bank account, we'll process it and the funds will generally arrive on the same business day if the transfer was made before 5:00pm (Sydney time). If the funds transfer was initiated after 5:00pm or on a non-business day, the funds will arrive on the next business day.

See also What are my payment cut off times and when will my payments be processed?

Please note that some receiving institutions can take up to two business days to process transfers.
 
Transferring to a Macquarie bank account
 
When you EFT to a Macquarie bank account, the day your funds arrive is dependent on the other bank’s processing times.

In some cases, we ask you to verify transactions and account changes in both Macquarie Online Banking and the Macquarie Mobile Banking app. If you’re asked to verify with a push notification and you don’t have your Macquarie Authenticator app on hand, try verifying another way.
 

1. Click Verify another way on the verification required panel
2. Select a different verification method available to you
3. Click Continue.

If you’re still unable to proceed, give us a call on 133 174 (+61 2 8245 4470), 24/7.

Debit Mastercard
 
You can change your bank account card PIN in Macquarie Online Banking or in the Macquarie Mobile Banking app. If you require assistance or have any concerns about the security of your account, please call us immediately on 133 174 (+61 2 8245 4470), 24/7.
 
Cashcard
 
If you’ve forgotten your bank account card PIN or any concerns about the security of your account, please call us immediately on 1800 800 521 (+61 2 8245 4384), 24/7.

Lost or stolen credit card
 
To report a lost or stolen card, call us on 1300 150 300 (+61 2 8232 1684) at any time.
 
If your card is lost or stolen, please let us know right away and we’ll cancel your card to protect your account. Once cancelled, we will:
 

• instantly issue your new card into your mobile banking app. You can then add this card instantly and securely into your mobile device’s payment wallet, allowing you to continue spending without having to wait for your new physical card in the mail
• send you a replacement card as quickly as possible. In most cases, your new card will arrive in 3–5 business days. Once you’ve reported your card lost or stolen, the physical card will be locked and you won’t be able to use it for transactions. You’ll need to update your direct debits with your new credit card number. Any additional cardholders on your account can continue using their card.
   

Misplaced credit card
 
If you misplace your credit card, you can apply a temporary lock on your card to protect your account. This prevents new payments being made on your card, and in some cases may result in existing direct debits or authorised payments to be declined. You’ll need to review all direct debits and authorised payments connected to the account. You can unlock your card at any time.
 
To place a temporary lock on your card in the Macquarie Mobile Banking app:
 

1. Select the card icon in the left side menu
2. Scroll to the relevant card account
3. Select Lock card
4. Select Lock on the pop-up message.

  
To place a temporary lock on your card in Macquarie Online Banking:
 

1. Select the relevant account
2. Select Lost or stolen card
3. Toggle to Lock card.

 
You can unlock your card by following the steps above and selecting Unlock card.

Keeping your contact details updated ensures that we can reach you with information about your account(s). The details we have on file for your account are listed below.   
 

• Home address 
• Postal address 
• Email address 
• Mobile phone number*
• Home or work phone numbers (if applicable). 

   
To manage your contact details in Macquarie Online Banking: 
  

1. Select your Name in the top menu bar 
2. Select My profile 
3. Select pencil icon next to the contact detail you wish to update
4. Complete the two-factor authentication 
5. Enter your new details. Note: If you only want the changes applied to specific accounts be sure to toggle the radio button left to de-select any that you don’t want updated 
6. Click Confirm. A confirmation window will display 
7. Click Save to accept the changes.
8. Click Done to return to your profile. 

To manage your contact details in the Macquarie Mobile Banking app: 

 

On iOS 
  

1. Select the icon  from bottom right corner 
2. Select View and Edit Profile 
3. Select the personal and account details you’re updating
4. Enter your new details. If you only want the changes applied to specific accounts be sure to toggle the radio button left to de-select any that you don’t want updated 
5. Click Done. 

 

On Android 

 

1. Select the icon  from the top left corner 
2. Click on your name to take you to your profile 
3. Select the edit pencil next to the contact detail you wish to update 
4. Enter your new details. If you only want the changes applied to specific accounts be sure to toggle the radio button left to de-select any that you don’t want updated 
5. Click Save 
6. Click Done to return to your profile. 

If you need to update your postal address for your Macquarie Online Trading account, you will need to complete the Change of Registration Address form and return it to support@trading.macquarie.com

*If you need to update your mobile phone number, please give us a call on the relevant number below.

If you can’t update your contact details online, you can give us a call on the relevant number below and we can update them for you. 

 

• Macquarie Transaction and Savings Account: 133 174 (+61 2 8245 4470), 24/7 
• Macquarie Cash Management Account: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday 
• Macquarie Term Deposit: 1300 739 980 (+61 7 3233 8109), 8am to 7pm (AEST/ADST) Monday to Friday 
• Macquarie Credit Card: 1300 150 300 (+61 2 8232 1684), 24/7 
• Macquarie Home Loan: 1800 007 722 (+61 2 8245 4383), 8am to 7pm (AEST/ADST) Monday to Friday 
• Macquarie Wrap: Contact your financial adviser or call 1800 025 063 (+61 2 8245 4250), 8am to 7pm (AEST/ADST) Monday to Friday 
• Macquarie Vision: Contact your financial adviser or call 1800 510 562, 8am to 7pm (AEST/ADST) Monday to Friday 
• Macquarie Online Trading: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday. 

You can change your credit card PIN in Macquarie Online Banking or in the Macquarie Mobile Banking app.
 
If you think your PIN has been stolen or compromised, please call us as soon as you can on 1300 150 300 (+61 2 8232 1684), 24/7.

In some cases, we ask you to verify transactions and account changes in both Macquarie Online Banking and the Macquarie Mobile Banking app. If you’re asked to verify with a push notification and you don’t have your Macquarie Authenticator app on hand, try verifying another way.
 

1. Click Verify another way on the verification required panel
2. Select a different verification method available to you
3. Click Continue.

If you’re still unable to proceed, give us a call on 133 174 (+61 2 8245 4470), 24/7.

If you have an Offset Home Loan account with a BSB starting with 182

You can open up to 10 offset accounts which can be linked to an offset home loan account if you are a single or joint borrower. Offset accounts aren't available for any other type of home loan.

To open additional offset accounts:

1. Go to macquarie.com.au/everyday-banking/transaction-account
2. Go to Open an account and submit an online application to open a Macquarie transaction account as an existing customer
 

3. Once you have completed the application, you’ll need to contact us on 1800 007 722 (+61 2 8245 4383) to switch and link your transaction account to your offset home loan.

A Debit Mastercard will automatically be sent along with your online application to the postal address linked to your profile.

Please note, you can't link an offset account to a fixed home loan account.

If you are a company or trust borrower you cannot open additional offset accounts after your home loan settles.

If you have an Offset Home Loan account with a BSB starting with 032
 
Additional offset accounts aren't available.

Redraw is a product feature that allows you to make extra payments to reduce the outstanding balance of your home loan, which in turn reduces the amount of interest you pay. A redraw facility allows you to access the extra payments you’ve made up to your loan limit at that time.

Redraw is a product feature enabled on most home loan products except for:
 

• construction loans with a BSB starting with 032
• accounts during a fixed rate period. Any extra payments you’ve made whilst your interest rate is fixed is only available at the end of your fixed rate period
• SMSF home loans.

Your redraw balance may change over time depending on several factors, including:
 

• loan limit changes
• repayment amount changes
• missed or late repayments and fees.

 

The below is an example explaining how redraw works where an extra payment has been made and the repayment amount has not changed on the home loan.

Sarah has a $300,000 home loan with a 30-year term. 10 years into her loan she makes an extra payment of $50,000. Her repayment amount does not change and the extra payment she’s made means she is paying less interest on her home loan. This results in Sarah paying off her home loan sooner. Because Sarah has maintained her repayments at the same amount, she can access her redraw balance up until her loan is paid off. If she continues to keep her loan open after it’s paid off, then available redraw will start reducing to ensure her home loan limit is $0 at the end of her loan term.

Checking your redraw balance
 
You can view or access your redraw fee free by using Macquarie Online Banking or the Macquarie Mobile Banking app.

To check your available redraw balance on Macquarie Online Banking:
 

1. Select Accounts from the side menu; or first click on the  icon in top left-hand corner to display the side menu
2. Select the home loan account
3. Select the Account Details tab
4. Available funds for redraw is shown as Redraw balance under Account Summary.

To check your available redraw balance on the Macquarie Mobile Banking app:
 

1. Select a home loan account from the main screen
2. Available funds figure is displayed at the top of the screen above account balance.

 
Accessing your redraw balance
 
To access your available redraw balance on Macquarie Online Banking:
 

1. Select the  icon from the side menu; or first click on the  icon in top left-hand corner to display the side menu
2. Select the home loan account with available redraw balance
3. Select the Macquarie account you wish to pay to, or New payee/biller.

To access your available redraw balance on the Macquarie Mobile Banking app:
 

1. Select the  icon on the front screen
2. Select either Internal transfer or Make a payment
3. Select the home loan account with available redraw balance
4. Select the Macquarie account you wish to pay to, or New payee/biller.

The daily Pay Anyone limit to transfer funds from your account via Electronic Banking is $100,000 if you use the Macquarie Authenticator app. Otherwise, a default Pay Anyone limit of $20,000 will apply. If you need further assistance please call 1800 007 722 (+61 8245 4383) from 8am to 7pm (Sydney time) Monday to Friday.
 
For loan accounts with a BSB starting with 182 only, there is no daily Pay Anyone limit for funds transfers between your Macquarie accounts with a BSB starting with 182.
 
There is no daily limit for BPAY® payments from your account, however the institution you are paying to may have set a limit on incoming transfers.

To access redraw on your Reverse Mortgage or Accommodation Bond loan, please call us on 1800 007 722 (+61 8245 4383) from 8am to 7pm (Sydney time) Monday to Friday.

®  Registered to BPAY Pty Ltd ABN 69 079 137 518

In some cases, we ask you to verify transactions and account changes in both Macquarie Online Banking and the Macquarie Mobile Banking app. If you’re asked to verify with a push notification and you don’t have your Macquarie Authenticator app on hand, try verifying another way.
 

1. Click Verify another way on the verification required panel
2. Select a different verification method available to you
3. Click Continue.

If you’re still unable to proceed, give us a call on 133 174 (+61 2 8245 4470), 24/7.

Congratulations on the settlement of your new home loan. This is an exciting time for you, and we want to ensure you’re equipped to set up your home loan the way you want to.

We’ve listed below some of our most viewed articles which may help you. If you can’t find the information you require in these articles, you can search from the main Help Centre page or contact us via email or phone.
 

Macquarie Online Banking and Macquarie Mobile Banking app
 

How do I log into Macquarie Online?
I’ve forgotten my Macquarie ID. What should I do?
I’ve forgotten my password. What should I do?
How do I set up the Macquarie Mobile Banking app?
What is Macquarie Authenticator?
How do I setup the Macquarie Authenticator app?

Repayments

Where can I view my home loan repayment amount?
How can I update my loan repayment direct debit details?
How can I update my loan repayment method?
Can I change my repayment frequency for my home loan?
Can I change my home loan repayment date?

 

Redraws

Can I redraw on my home loan?
How do I add, edit or delete a payee or biller?
How can I transfer funds from my home loan or offset account?

Account information

How do I view or update my contact details?
Where can I find which offset accounts are linked to which home loan account?
Can I open more home loan offset accounts?
How do I download a home loan statement?
When is the package fee/account management fee charged on my home loan?
How do I view the interest rate details of my home loan?
How many Qantas points will I earn?
How do I check my home loan balance?
How can I find my BSB for my loan?

Debit card & credit card

How do I activate my Macquarie Debit Mastercard?
How do I add my card to Apple Pay?
How do I add my card to Google Pay?
How can I order a Macquarie Debit Mastercard for a joint account holder?

To activate your card in Macquarie Online Banking:
 

1. Select Accounts from the side menu; or first click on the  icon in top left-hand corner to display the side menu
2. Select the Activate card button (next to the transaction account you have requested a debit card for)
3. Enter the last 8 digits of your debit card
4. Select Next
5. Enter the SMS safe code that has been sent to your mobile (If you have registered Macquarie Authenticator, you will be asked to verify from that device).

 
To activate your card in the Macquarie Mobile Banking app:
 

On Android:
 

1. Select the card icon at the top of the front screen
2. Press the picture of the card you wish to activate
3. Select the Activate button
4. Enter the last 8 digits of your debit card
5. Enter the SMS secure code sent to your mobile
6. Select Activate.

 

On iOS:
 

1. Select the card icon at the bottom of the front screen
2. Press the picture of the card you wish to activate
3. Select the Activate button
4. Enter the last 8 digits of your debit card
5. Enter the SMS secure code sent to your mobile
6. Select Activate.

You’ll receive a confirmation message if the activation was successful. If it wasn’t successful, repeat the steps. If you’ve had three unsuccessful attempts, call us for assistance on 133 174 (+61 2 8245 4470), 24/7.
 
As soon as your card is activated, you can start using it to make purchases.

The information below applies to the following accounts:
 

• Macquarie Cash Management Account (CMA)
• Macquarie Investment Manager (Macquarie Cash Management Account)
• Macquarie Investment Consolidator (Macquarie Consolidator Cash Account)
• Macquarie Investment Manager II (Wrap Cash Account)
• Macquarie Investment Consolidator II (Wrap Cash Account)
• Macquarie Vision (Macquarie Vision Cash Account)
• Macquarie Online Trading (Macquarie Cash Management Account) via the linked Macquarie Cash Management Account

You can make a payment into your cash account a number of ways:
 

• EFT
• BPAY®
• Direct debit
• Cheque deposits

Electronic Funds Transfer (EFT)

You can transfer funds into your account from your Macquarie account or from most other financial institutions by using their online banking services.

Our branch (BSB) number is 182-512*.

Please note:
 

• Transfers from Macquarie accounts will generally reach your account on the same business banking day. This does not include super or pension accounts
• Transfers from other financial institutions are normally made overnight and generally reach your account the following business banking day. This means a transfer made on a Friday will generally be deposited the following Monday. Transfers made after business hours, however, will take an additional day to reach your account. For example, a transfer made after business hours on a Monday will generally be deposited on Wednesday.

Where you have an SMSF which uses a Macquarie CMA or your SMSF is administered through a Macquarie Investment Consolidator account, we offer an electronic message service that allows your account to receive employer super contribution payments and related messages electronically. The electronic service address (ESA) is MACQUARIESMSF.

*Only for accounts listed at the start of the article. For BSBs relating to Macquarie Cash Management Trusts (CMTs) which were transitioned to Macquarie CMAs, please refer to the Product Information Statement or check your account online.
 
BPAY
 
To send funds to your account via BPAY, contact the financial institution holding the funds, which must be a BPAY payer. Use the following details to make the transfer:
 

• Biller code: 667022
• Reference number: your cash account number

Please note BPAY deposits take two business days to clear.
 
Making direct debits
 
Direct debits are the easiest way to automate regular deposits into your account.

To set up a direct debit from an account you have with another financial institution, you can elect this on the online application at the time your account is opened and complete the Direct Debit Request form.

This form can also be used to facilitate a one-off direct debit.

The name of the bank account that you're debiting needs to match the name of your Macquarie account. You can request a direct debit from your joint bank account into your individual Macquarie account, just make sure that the direct debit request is signed by both joint account holders.

You’ll need to provide a copy of a recent bank statement (that’s less than six months old) for the account you’re debiting which is used to verify the account details.

In circumstances where the account you are nominating for direct debits doesn’t issue statements, we will accept alternative documents that clearly reflect the account name and details, for example a Transaction Report or screenshot of the online bank statement.

Posting a cheque to us

You can deposit cheques at a Macquarie branch. All cheques must be made payable to:

Macquarie Investment Manager II (full account name)
eg Macquarie Investment Manager II / Macquarie Investment Consolidator II John Citizen

Cheques should be accompanied by either a new application form or a deposit slip (available online) and be sent to us. Cheques take approximately three business days to clear and must be cleared before your selected investments can be purchased. 

You can find cheque deposit slips here.

You can also deposit cheques at any participating National Australia Bank (NAB) branch. We will usually credit your Wrap Cash Account on the same business day, provided you lodge your deposit at the counter on that day. Interest on the deposit then accrues from that day. NAB does not accept cash deposits or third-party cheques on our behalf. Please do not use the Express Cheque Deposit facility at NAB branches.

1. Write the following depositing account details on the back of each cheque:
 

• account name
• account number
• account BSB
• a contact number (mobile or landline).

 

2. Post the cheque(s) to: 
   

Macquarie Bank Limited
GPO Box 4045 
Sydney NSW 2001
 

Depositing a cheque at a Macquarie branch 

Visit a Macquarie branch. Our branch locations are:
 

• New South Wales
   1 Shelley Street
   Sydney NSW 2000

• Queensland
   Level 8, 825 Ann Street
   Fortitude Valley QLD 4006

• Victoria
   Level 32, 80 Collins Street South Tower
   Melbourne VIC 3000

These branches are open 8am – 5pm local time, Monday to Friday (excluding public holidays).

Depositing a cheque at a NAB branch

Deposits require a deposit slip from your deposit slip book. NAB can’t accept printed deposit slips or NAB branch deposits slips. Please note that this is available for stand-alone Cash Management Accounts only, and does not include Macquarie Vision Cash accounts, Macquarie Investment Manager, Macquarie Investment Manager II, Macquarie Investment Consolidator and Macquarie Investment Consolidator II.

Deposit books can be requested by calling us on 1800 806 310 (+61 7 3233 8111), 8am to 7pm (Sydney time) Monday to Friday, or by visiting a Macquarie branch.

 

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Rollovers from a super fund to your Macquarie superannuation fund
 
All superannuation rollovers between public offer super funds are processed via SuperStream.

To request funds to be rolled over to your super account, we recommend you check the requirements with your super fund first. Some super funds only accept requests on their own forms or might have additional forms or identification requirements for you to complete.

You’ll also need to complete a Macquarie Wrap Super Rollover Authority form. Your adviser can provide you with this form and help you complete it.
 
Additional information may be needed to complete your rollover request
 
Your existing super fund will usually require the below information to facilitate a rollover to your super account with Macquarie:
 

• Fund name
• Fund address
• Fund ABN
• Unique Superannuation Identifier (USI)
• Account/Membership/Policy number

 
Our fund address is:
Macquarie Super
GPO Box 4045
Sydney NSW 2001

The USI and ABN for our Macquarie administered funds are provided below:
 

Product Name	ABN	SFN	USI	SPIN
Macquarie Super Manager	65 508 799 106	266 912 496	65 508 799 106 031	MAQ0157AU
Macquarie Pension Manager			65 508 799 106 032	MAQ0158AU
Macquarie Term Allocated Pension Manager			65 508 799 106 088	MAQ0355AU
Macquarie Super Consolidator			65 508 799 106 172	MAQ0779AU
Macquarie Pension Consolidator			65 508 799 106 173	MAQ0780AU
Macquarie Super Manager II			65 508 799 106 185
Macquarie Pension Manager II			65 508 799 106 186
Macquarie Super Consolidator II			65 508 799 106 172
Macquarie Pension Consolidator II			65 508 799 106 173
Macquarie Super Accumulator			65 508 799 106 041	MAQ0311AU
Macquarie SuperOptions Super Plan			65 508 799 106 063	MAQ0244AU

If you hold a Macquarie Vision account, please use the below ABN and USI:
 

Product Name	ABN	SFN	USI	SPIN
Macquarie Super	65 508 799 106	266 912 946	65 508 799 106 172	MAQ0779AU

If you don’t know what your member number is or the name of your product, you can find it on Macquarie Online Banking by following the below steps:
 

1. Log in to Macquarie Online Banking
2. On the left-hand side of the screen, view the pop out menu
3. Select the  icon to access your account list
4. Find the member number and product name for your account.

Rollovers from a self-managed super fund to your Macquarie superannuation fund
 
To rollover funds from a self-managed super fund (SMSF), we’ll need to receive a rollover benefit statement with the accompanying cheque. Cheques need to be made payable to:
 

• MIML - Super Consolidator (plus the full account name)
• MIML - Super Consolidator II (plus the full account name)
• MIML - Super Manager (plus the full account name)
• MIML - Super Manager II (plus the full account name)
• MIML - Super Accumulator (plus the full account name)

If you have a Vision account, please make the cheque payable to: Macquarie Super (plus the full account name). We don’t accept third party cheques.
  
Cheque deposits need to be attached to a completed Additional Investment form . If you need help completing this form, please contact your financial adviser.

Post cheque(s) and accompanying documentation to:
 
Macquarie Wrap
GPO Box 4045
Sydney NSW 2001
 
Rollovers from a public offer super fund to your self-managed super fund
 
If you have a self-managed super fund with a Macquarie CMA, contact your super fund to arrange a rollover into your fund.

Periodic and tax statements can be accessed by following the instructions below. Macquarie Wrap and Macquarie Vision periodic statements are available from the 2013/2014 financial year.

Wrap
 
To view and download Macquarie Wrap and Macquarie Vision statements from Macquarie Online Banking:
 

1. Select Accounts from the side menu; or first click on the  icon in top left-hand corner to display the side menu
2. Select Investment, Superannuation or Trading account
3. Select Statements tab
4. Choose the statement and select the icon to download the periodic or tax statement
5. Once the file has finished downloading, access the statement from your browser status bar.

 
Please note these files are only available as a PDF.

Macquarie Online Trading

To view and download Macquarie Online Trading account statements from Macquarie Online Banking:
 

1. Select Investments
2. Select your Macquarie Online Trading account
3. Select Accounts, and then Reports.

Cash Management Account

You can access interest statements for your Macquarie Cash Management Account (CMA) and your Macquarie Cash Management Accelerator Account through Macquarie Online Banking:
 

1. Select your Cash Account from the Accounts menu
2. Select the Statements & Reports tab
3. Select the financial year’s interest report
4. Once the file has finished downloading, access the report from your browser status bar.

You can also create a tax transaction report based on transactions that have been tagged with ‘#tax’. To add hashtags to your transactions, please see Can I search and filter on tags?

To finalise a contract early, it must be paid out. You can request a payout figure at any time during the life of your contract. Please note paying out a loan early may incur additional fees and charges.
 

To obtain a payout figure:
 

• Log in to your YourLease account and request a payout figure instantly. You may also download a Payout Letter which will include payment instructions if you want to payout.

Depending on your loan type, your Payout Figure may be inclusive of various components. A general summary of payout figures by product type is shown below:

 

	Consumer (Consumer Loan)	Commercial (Chattel Mortgage, Finance Lease, Novated Lease, Commercial Hire Purchase)
Payout figure consists of	Principal balance Interest which has accrued daily since your last payment Early termination fee Financed insurance rebate (if applicable).	The payout figure is calculated as the present value of the sum of the following plus GST where applicable. To calculate the present value, the early termination rate/discount rate (as per the contract) is used.   Any and all amounts in arrears (if any); plus The present value of the remaining instalments which haven’t yet become due under the contract; plus The present value of the residual value or balloon payment; plus Any fees and charges payable on termination.
Expiry of payout figure	Five days from the date quoted.	The day before your next payment is due.
Fee	Includes an early termination fee. For contracts which commenced on or before 1 August 2017, this fee will be $750.00 reducing on a pro rata basis for each month of the loan term. For contracts which commenced after 1 August 2017, the Early Repayment Fee will be $750.00 reducing on a pro rata basis for each month of the loan term, plus a fixed fee of $50.00.	No applicable early termination fee.

You may also request a Payout Breakdown Letter or a Payout Explanation Letter, which will outline how your payout figure has been calculated.

Yes, you may make additional payments on your loan:

 

• To obtain manual payment details, please visit YourLease. You'll have the option to pay via BPAY® and electronic funds transfer
• By making additional payments on a consumer loan, you may reduce the total interest payable over the loan period. Please note that by making additional payments, this could finalise your contract early and early termination fees may apply
• Given the product type for a commercial loan, there aren’t any interest savings when making additional payments
• If you’d like to make additional payments, it’s important to let us know so your direct debit payments continue to draw. Please call us on 1300 368 908, 8am to 7pm (Sydney time) Monday to Friday, or email leasingcustomerservice@macquarie.com to discuss this.  

® Registered to BPAY Pty Ltd ABN 69 079 137 518

With YourLease, you can access and manage your loan account details online anytime, anywhere. With YourLease, you can:
 

• view account information - including details about your upcoming payment, loan balance, interest rate (for Consumer Loans only) and manual payment details
• update your details - including your personal information and direct debit details
• request various documents - a full list of documents can be found here. You may also download a copy of your payment history and a payout letter instantly.

Once you've logged in, select the required information from the main menu (shown below).
 

For example, if you would like a payout quote, select the payout quote icon and it will take you to the screen below. Here you may request a payout figure and download a payout letter instantly.

The following fees apply to car loans on establishment when you apply directly through us:
 

Our car loan fees	Amount
Establishment fee	$350
Monthly account keeping fee	$8.25
Personal Property Securities Register (PPSR) fee  (Applicable to Consumer Loans Only)	$6

Note: You have the option to pay both the Establishment fee and PPSR fee upfront or have these consolidated into your loan payments as part of the amount financed.

Adviser Initiated Payments (AIP) allows you to make payments on behalf of your client from their cash account. You can also set up or amend a scheduled or recurring payment. It’s fast and easy for you to make client instructed cash payments using AIP. It also gives your clients control over their transactions while making it easy for them to give their consent.

AIP is available for a number of different payment types including:
 

• PayAnyone, available to any account in Australia with a limit of $100,000 per day
• transfers to any nominated account with no daily limit
• unlimited BPAY® payments (subject to BPAY biller code limits).

Who can use AIP?

Authorised advisers can make AIP for their clients. Clients must have a current mobile number and email address on record, and have account signing instructions as any one or two to sign.

Who can’t use AIP?

AIP is unavailable for clients with signing instructions of more than 2 people. If your client has ‘all to sign’ instructions of more than 2, you can still support them.

They’ll need to complete a withdrawal form.

To make an AIP from the cash account



NOTE: AIP is not available for accounts where the signing instruction is anything other than any one or any two to sign. For accounts that are two to sign, select two signatories to receive the secure code.

1. Log in to Adviser Online
2. Search for the client or account you want to make the payment from in the global account search bar
3. Choose the account
4. Select Make a payment and choose the relevant client
5. The make a payment screen will open. You can choose to make a payment to a saved payee or biller, or a new payee or biller
6. If making a payment to a new payee or biller, choose either Transfer or BPAY
7. Enter the amount to transfer and, if you’d like, a description to appear on the recipient’s statement
8. Select Create request
9. Select the payment schedule: Once off, Future dated, or Recurring payment
   1. For Future dated payment requests, you only need to enter a date in the First payment date field
   2. For a Recurring payment, complete the request details and provide a Payment end date or select Continue until further notice
10. Select the Frequency of the payment
11. Review the details of the payment
12. Select a client to send the secure code to. If there are multiple signatories, you’ll be given a choice
13. Your client will receive an SMS with their secure code. This code must be provided verbally to you
14. Enter the code into the Authorisation code field
15. Tick the box to confirm you received the code verbally
16. If they haven’t received a code and their number is correct, then you can send a new code by selecting Resend SMS
17. Once the code has been verified, the Submit button will change to a green tick. Select Continue
18. Confirm the payment details on the Payment Authorisation screen. If you’re satisfied the details are correct, then click Authorise.

You will be taken to the Payment Summary screen where you can see a summary of your AIP.

Next Steps

Your client will receive a confirmation email and SMS for their records. If you authorised the payment before 5pm on a business day, the payment will be received the next morning. Payments to other Cash Management Accounts during business hours will be received within 20 minutes of being authorised.

If you’re experiencing issues with AIP, see Why is AIP not working?

A complete step by step is also available.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

The information below applies to the following accounts:
 

• Macquarie Cash Management Account (CMA)
• Macquarie Investment Manager (Macquarie Cash Management Account)
• Macquarie Investment Consolidator (Macquarie Consolidator Cash Account)
• Macquarie Vision (Macquarie Vision Cash Account)
• Macquarie Online Trading (Macquarie Cash Management Account)
• Macquarie Wrap Cash Account

Your client can make a payment into their cash account a number of ways:
 

• EFT
• BPAY®
• Direct debit
• Cheque deposits.

Electronic Funds Transfer (EFT)

Your client can transfer funds into their cash account from other financial institutions via their online banking services.

Our branch (BSB) number is 182-512*.

*Only for accounts listed at the start of the article. For BSBs relating to Macquarie Cash Management Trusts (CMTs) which were transitioned to Macquarie CMAs, please refer to the Product Information Statement or check your account online.

Please note:

• Transfers between Macquarie accounts will generally be processed on the same business banking day. This does not include super or pension accounts
• Transfers from other financial institutions are generally made overnight and should reach their account the following business banking day. This means a transfer made on a Friday will generally be deposited the following Monday. Transfers made after business hours, however, will take an additional day to reach your client’s account. For example, a transfer made after business hours on a Monday will generally be deposited on Wednesday.

Where you have an SMSF which uses a Macquarie CMA or your SMSF is administered through a Macquarie Investment Consolidator account, we offer an electronic message service that allows your client’s account to receive employer super contribution payments and related messages electronically. The electronic service address (ESA) is MACQUARIESMSF.
 
Internal funds transfer

Your client can initiate a transfer between their Macquarie accounts.

For more information see How do I make a payment from my bank account using funds transfer or BPAY?

Transfers via an overseas bank

Your client can transfer funds to your Macquarie CMA from overseas by:
 

• bank draft drawn at an Australian bank, or by
• telegraphic transfer in Australian dollars (AUD). Please instruct the sending bank to quote our SWIFT code: MACQAU2S XXX.

BPAY
 
Your client can send funds to their account via BPAY. They’ll need to contact the financial institution holding the funds, which must be a BPAY payer. Use the following details to make the transfer:
 

• Biller code: 667022
• Reference number: their cash account number.

Please note BPAY deposits take up to three business days to clear.
 
Direct debits
 
Direct debits are the easiest way your client can automate regular deposits into their account.

Your client can set up a direct debit from an account they have with another financial institution. They can elect this on the online application at the time their account is opened or complete the Direct Debit Request form.

This form can also be used to facilitate a one-off direct debit. You can find this form for Macquarie Vision and Macquarie Wrap accounts at Adviser Tools by searching for "Direct Debit Request form".

The name of the bank account being debited must match the Macquarie account name, we can't action requests to debit third party accounts. However, you can request a direct debit from your client’s joint bank account into their individual Macquarie account, just ensure the direct debit request is signed by both joint account holders.

Your clients will need to provide a copy of a recent bank statement (that’s less than six months old) for the account they’re debiting which is used to verify the account details.

In circumstances where the account they’re nominating for direct debits doesn’t issue statements, we will accept alternative documents that clearly reflect the account name and details, for example a Transaction Report or screenshot of the online bank statement.

Posting a cheque to us

You can deposit cheques at a Macquarie branch. All cheques must be made payable to:

Macquarie Investment Manager II (full account name)

eg Macquarie Investment Manager II / Macquarie Investment Consolidator II John Citizen

Cheques should be accompanied by either a new application form or a deposit slip (available online) and be sent to us. Cheques take approximately three Business Days to clear and must be cleared before your selected investments can be purchased.

You can also deposit cheques at any participating National Australia Bank (NAB) branch. We will usually credit your Cash Account on the same Business Day, provided you lodge your deposit at the counter on that day. Interest on the deposit then accrues from that day. NAB does not accept cash deposits or third-party cheques on our behalf.

Please do not use the Express Cheque Deposit facility at NAB branches.

1. Write the following depositing account details on the back of each cheque:
 

• Macquarie account name
• Macquarie account number
• BSB 182-512
• a contact number (mobile or landline).

2. Post the cheque(s) to: 

    Macquarie Bank Limited
    GPO Box 4045 
    Sydney NSW 2001
 
Depositing a cheque at a Macquarie branch
 
Visit a Macquarie branch. Our branch locations are:
 

• New South Wales
   1 Shelley Street
   Sydney NSW 2000 

• Queensland
   Level 8, 825 Ann Street
   Fortitude Valley QLD 4006

• Victoria
   Level 32, 80 Collins Street South Tower
   Melbourne VIC 3000

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Request Centre allows you to upload completed forms and see that your requests have been received and processed by us, or if we need further information from you.

This is a faster and more secure way to submit requests to us, and we want to save you time by giving you visibility into the status of each request.

You’ll no longer need to call us to confirm if your request has been received. Once completed forms are uploaded and you’ve submitted the request, you’ll see an on-screen confirmation and be able to track the progress online.



Key information
 

• You can submit requests through Request Centre for both cash and Wrap clients
• Requests sent to us via email will still appear in Request Centre for you to track
• Ensure the form is completed and signed and ensure all the mandatory fields are completed. This will let us proceed with your request without any delay.

How to upload a form to Request Centre
 

1. Log into Adviser Online
2. Select Requests from on the Adviser Online menu beneath the Macquarie icon
3. Select New Request
4. Select the category
5. Select or drag and drop the document(s) you wish to upload
6. Click on Submit.

Learn more about Request Centre

Find out more about Request Centre, and expected processing times for different types of requests, by viewing the Request Centre user guide .

A rebate of commission means that the benefit of commission fees paid to you as an adviser have been passed to the client.

For CMA, this means that clients will see a monthly credit with a narrative of "rebate of adviser commission."

For Wrap clients, this amount will reduce the administration fees the client pays. The administration fees, net of adviser rebate, will be debited from the client’s account.

These payments are usually considered assessable income for tax purposes. Your client may need to include the rebate amount as income in their tax return.

 

As an adviser, it can be helpful to provide support staff with access to Adviser Online. The products you can provide access to are:
 

• Macquarie Cash Products
• Macquarie Online Trading
• Macquarie Wrap

You can also decide how much control they have. This can range from view only to full transactions. The levels of authority are:
 

• Macquarie Cash
  • Enquiry

 

• Macquarie Wrap
  • Enquiry
  • Limited Transact
  • Transact

 

• Macquarie Online Trading
  • Enquiry
  • Transact

Registering new support staff members

To register a new support staff member, they’ll need to complete a Macquarie support staff registration form. You can download this form from Adviser Tools by searching for support staff registration.

To complete the form and register a new adviser you must:
 

1. Download and print the form
2. Your intended support staff member will need to sign Section 4. Please note, we won’t accept digital signatures
3. Any advisers will need to sign Section 3 to approve the support staff’s ability to view their clients
4. Return the completed form to adviser@macquarie.com 

Please note, if there are a lot of adviser codes to be loaded, you can attach a letter to the registration form that lists out all the adviser codes required. The Director(s) of the business will need to sign this letter and include the required level of support staff authority.

There is also a form to register new advisers. For more information see How do I register new advisers to have access to Adviser Online?
 
Important information

Registering support staff

As you’re granting a support staff access, it’s your responsibility to:

• consider the eligibility of the individual as to their rights to access and their level of transact access; and
• notify Macquarie immediately of any changes to support staff so access can be altered or removed as required.

Please read the terms & conditions before registering and/or granting support staff access.

Request Centre allows you to upload completed forms and see that your requests have been received and processed by us, or if we need further information from you.

This is a faster and more secure way to submit requests to us, and we want to save you time by giving you visibility into the status of each request.

You’ll no longer need to call us to confirm if your request has been received. Once completed forms are uploaded and you’ve submitted the request, you’ll see an on-screen confirmation and be able to track the progress online.



Key information
 

• You can submit requests through Request Centre for both cash and Wrap clients
• Requests sent to us via email will still appear in Request Centre for you to track
• Ensure the form is completed and signed and ensure all the mandatory fields are completed. This will let us proceed with your request without any delay.

How to upload a form to Request Centre
 

1. Log into Adviser Online
2. Select Requests from on the Adviser Online menu beneath the Macquarie icon
3. Select New Request
4. Select the category
5. Select or drag and drop the document(s) you wish to upload
6. Click on Submit.

Learn more about Request Centre

Find out more about Request Centre, and expected processing times for different types of requests, by viewing the Request Centre user guide .

1. Log in to Adviser Online
2. Select Request Centre from the navigation menu
3. Once Request Centre has launched, select the case you want to view. This will open the case window where you can view details for a specific case.

We regularly check in with you and your client to confirm we have the right details about their identity, source of funds, and the reasons for investing with us. This is part of our regulatory obligation due to Anti-Money Laundering / Counter Terrorism Financing (AML/CTF).

If we contact you about updating your client’s information, you’ll need to provide the following information:
 

• FSC Identification Form – Individuals & Sole Traders
• Your client's full legal name
• Any other names your client is known by
• Your client's date of birth
• Your client's residential address: their main place of residence
• Your client's occupation: their main role of employment
• Purpose of your client's account/investment with us: a brief description on the purpose of opening your client's account/s
• Source of funds for the account held with us: a brief description on the origin of funds currently deposited into your client's account/s
• Source of wealth: a brief description on the origin of your client’s overall wealth, not limited specifically to fund deposited with us
• A certified copy of their photo ID.

You can find the ID forms here or by searching for “ID forms” at Adviser Tools.

If you can’t provide a completed FSC Form, you’ll need to send us an original wet ink certified copy of your client’s photo ID.

Where to send this information

Please send your responses along with a certified copy of your client’s photo ID, a completed Financial Services Council (FSC) form, and any other additional documents listed above to adviser@macquarie.com quoting your client’s reference number.

Alternatively, your client can provide an original certified copy of their photo ID and other required documents via mail to:

Macquarie Bank Limited
GPO Box 4023
Sydney NSW 2001

We need to receive your answers to the questions above within seven days.

If you’d like to discuss this further, please call us on 1800 808 508, 9am to 5pm (Sydney time) Monday to Friday.

Adviser Initiated Payments (AIP) allows you to make payments on behalf of your client from their cash account. You can also set up or amend a scheduled or recurring payment. It’s fast and easy for you to make client instructed cash payments using AIP. It also gives your clients control over their transactions while making it easy for them to give their consent.

AIP is available for a number of different payment types including:
 

• PayAnyone, available to any account in Australia with a limit of $100,000 per day
• transfers to any nominated account with no daily limit
• unlimited BPAY® payments (subject to BPAY biller code limits).

Who can use AIP?

Authorised advisers can make AIP for their clients. Clients must have a current mobile number and email address on record, and have account signing instructions as any one or two to sign.

Who can’t use AIP?

AIP is unavailable for clients with signing instructions of more than 2 people. If your client has ‘all to sign’ instructions of more than 2, you can still support them.

They’ll need to complete a withdrawal form.

To make an AIP from the cash account



NOTE: AIP is not available for accounts where the signing instruction is anything other than any one or any two to sign. For accounts that are two to sign, select two signatories to receive the secure code.

1. Log in to Adviser Online
2. Search for the client or account you want to make the payment from in the global account search bar
3. Choose the account
4. Select Make a payment and choose the relevant client
5. The make a payment screen will open. You can choose to make a payment to a saved payee or biller, or a new payee or biller
6. If making a payment to a new payee or biller, choose either Transfer or BPAY
7. Enter the amount to transfer and, if you’d like, a description to appear on the recipient’s statement
8. Select Create request
9. Select the payment schedule: Once off, Future dated, or Recurring payment
   1. For Future dated payment requests, you only need to enter a date in the First payment date field
   2. For a Recurring payment, complete the request details and provide a Payment end date or select Continue until further notice
10. Select the Frequency of the payment
11. Review the details of the payment
12. Select a client to send the secure code to. If there are multiple signatories, you’ll be given a choice
13. Your client will receive an SMS with their secure code. This code must be provided verbally to you
14. Enter the code into the Authorisation code field
15. Tick the box to confirm you received the code verbally
16. If they haven’t received a code and their number is correct, then you can send a new code by selecting Resend SMS
17. Once the code has been verified, the Submit button will change to a green tick. Select Continue
18. Confirm the payment details on the Payment Authorisation screen. If you’re satisfied the details are correct, then click Authorise.

You will be taken to the Payment Summary screen where you can see a summary of your AIP.

Next Steps

Your client will receive a confirmation email and SMS for their records. If you authorised the payment before 5pm on a business day, the payment will be received the next morning. Payments to other Cash Management Accounts during business hours will be received within 20 minutes of being authorised.

If you’re experiencing issues with AIP, see Why is AIP not working?

A complete step by step is also available.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

You can transfer assets into, out of, and between SMAs by completing an SMA Transfer form. You can find this form on the Adviser Tools page by searching for Separately Managed Account transfer.

Please note that you can only transfer out of an SMA if your client holds an IDPS account. You can transfer into and between SMAs within any product. Only full transfers are allowed from one SMA to another.

SMA transfers between accounts

You can only transfer a full SMA from a super account to a pension account.

Multiple SMA transfers

You’ll need to complete a separate form for each SMA you want to transfer to.

Suspended/delisted equities

You can’t transfer suspended or delisted equities into an SMA. For more information see What happens when shares become worthless?

Automatic Income Redirection is independent to the current SMA Income Redirection functionality.

SMA Income Redirection works to redirect income from within your client’s SMA model to the main Wrap cash account.

By setting up Automatic Income Redirection, you’ll be able to direct all income (including SMA Income that has been redirected the Wrap cash account) from the Wrap cash account to their nominated bank account.

You can view the cash transactions associated with your client’s Wrap accounts and their linked Separately Managed Accounts (SMA) and generate reports in Adviser Online:
 

1. Log in to Adviser Online
2. Search for your client’s account name using the global search bar
3. Click their account name
4. Select Cash transactions from the list under the search bar. You’ll see the cash transactions associated with your client’s Wrap account for the last 3 months
5. To view the cash transactions of the linked SMAs, select SMA(s) under View transactions for and select the SMA from the SMA name dropdown
6. Select the Download icon to download the cash transactions in CSV format
7. Select the Print icon to generate and print the cash transactions report.

To register for Macquarie Online Trading, both you and your dealer must be registered. If your dealer is already registered, you only need to provide the adviser requirements below. 

Dealer Registration  

Have your dealer complete the below 2 forms:
 

• Macquarie Online Trading - Dealer Agreement
• Dealer registration ensuring Macquarie Online Trading is selected in Section 4 

We’ll also need a copy of the professional indemnity insurance certificate for your dealer.

Adviser Registration 

Complete the Adviser registration form ensuring Macquarie Online Trading and Macquarie Cash Products is selected in Section 3. 

Once all forms have been completed, they can be emailed to adviser@macquarie.com. We’ll then register you for Macquarie Online Trading.

Important information

Registering as a dealer or adviser

If you’re registering as a dealer or adviser to use our products and services, we generally require the AFSL to have certain licence conditions that enable them to advise and/or deal in the products their clients are seeking to link the AFSL holder to. If your licence conditions change throughout the year and you become ineligible to advise/deal in our products, we may stop your access to client accounts and take other actions depending on individual circumstances.

With Macquarie Online Trading, you can access:
 

• Australian listed stocks
• Exchange Traded Funds (ETFs)
• Exchange Traded Options (ETOs)
• Warrants
• Managed Funds (via mFund)

You can trade with Macquarie Online Trading: Single Order by visiting trading.macquarie.com.au and logging in with your Macquarie ID and Password. 



To buy or sell, click on the buy/sell icon on the left-hand menu. This will bring up the order pad where you can buy and sell shares and managed funds. Complete the order pad with:
 

1. Order Type: Single
2. Client: The account you’d like to trade on 
3. Select Buy or Sell 
4. Type the 3-digit ASX Code that you’d like to buy or sell and select the ASX code from the drop down. You also have the option to view market depth by clicking on the Market Depth hyperlink 
5. Select the Quantity or Value*
6. Select the Price options of either Limit** or Market to Limit***
7. Once you’ve completed the order form and ensured it’s correct, click Next
8. Review the order and input your 4-digit PIN to place the trade. If you don’t know your trading PIN, please call 1800 098 648.

 

*Minimum Order: If you do not have an existing shareholding in the security, the minimum marketable parcel you need to buy is $500 worth of shares, excluding brokerage.
You can then subsequently increase your holding by purchasing less than $500 worth of shares.

**Limit: A limit order is where a maximum price is set in a buy order or a minimum price is set on a sell order. If a buy limit price is placed higher than the current best sell price, the order will execute at the best sell price currently in the market. If a sell limit price is placed lower than the best buy price, the order will execute at the best buy price currently in the market. Please note that if the market doesn’t reach the set limit price, the order won’t trade. Limit orders can be placed at any time but can only be executed when the market is open.

***Market to Limit: A Market to Limit order is placed at the best opposing offer when buying shares, or the best opposing bid when selling shares. If there are insufficient shares in the market to complete your order, the trading balance of your order will remain on the market at the best opposing bid/ask price until more buyers or sellers come in at that price. 

You can trade with Macquarie Online Trading: Managed Funds by visiting trading.macquarie.com.au and logging in with your Macquarie ID and Password. 



To buy or sell, click on the buy/sell icon on the left-hand menu. This will bring up the order pad where you can buy and sell shares and managed funds. Complete the order pad with:

1. Order Type: Managed Funds 
2. Client: The account you’d like to trade on 
3. Select Buy or Sell 
4. Select the fund by choosing the Fund Provider and Managed funds via the drop downs or typing in the ASX Code  
5. Select the Quantity or Value 

Once you’ve completed the order form and ensured it’s correct, click Next. Review the order and input your 4-digit pin to place the trade. 

If you don’t know your trading PIN, please call 1800 098 648.

Yes. Macquarie Online Trading allows both you and your client to trade on their account.

The following articles show how your client can trade online:
 

• How do I trade with Macquarie Online Trading: Single Order
• How do I trade with Macquarie Online Trading: Managed Funds
• How do I trade with Macquarie Online Trading: Multiple Orders

 

Request Centre allows you to upload completed forms and see that your requests have been received and processed by us, or if we need further information from you.

This is a faster and more secure way to submit requests to us, and we want to save you time by giving you visibility into the status of each request.

You’ll no longer need to call us to confirm if your request has been received. Once completed forms are uploaded and you’ve submitted the request, you’ll see an on-screen confirmation and be able to track the progress online.



Key information
 

• You can submit requests through Request Centre for both cash and Wrap clients
• Requests sent to us via email will still appear in Request Centre for you to track
• Ensure the form is completed and signed and ensure all the mandatory fields are completed. This will let us proceed with your request without any delay.

How to upload a form to Request Centre
 

1. Log into Adviser Online
2. Select Requests from on the Adviser Online menu beneath the Macquarie icon
3. Select New Request
4. Select the category
5. Select or drag and drop the document(s) you wish to upload
6. Click on Submit.

Learn more about Request Centre

Find out more about Request Centre, and expected processing times for different types of requests, by viewing the Request Centre user guide .

Adviser Initiated Payments (AIP) allows you to make payments on behalf of your client from their cash account. You can also set up or amend a scheduled or recurring payment. It’s fast and easy for you to make client instructed cash payments using AIP. It also gives your clients control over their transactions while making it easy for them to give their consent.

AIP is available for a number of different payment types including:
 

• PayAnyone, available to any account in Australia with a limit of $100,000 per day
• transfers to any nominated account with no daily limit
• unlimited BPAY® payments (subject to BPAY biller code limits).

Who can use AIP?

Authorised advisers can make AIP for their clients. Clients must have a current mobile number and email address on record, and have account signing instructions as any one or two to sign.

Who can’t use AIP?

AIP is unavailable for clients with signing instructions of more than 2 people. If your client has ‘all to sign’ instructions of more than 2, you can still support them.

They’ll need to complete a withdrawal form.

To make an AIP from the cash account



NOTE: AIP is not available for accounts where the signing instruction is anything other than any one or any two to sign. For accounts that are two to sign, select two signatories to receive the secure code.

1. Log in to Adviser Online
2. Search for the client or account you want to make the payment from in the global account search bar
3. Choose the account
4. Select Make a payment and choose the relevant client
5. The make a payment screen will open. You can choose to make a payment to a saved payee or biller, or a new payee or biller
6. If making a payment to a new payee or biller, choose either Transfer or BPAY
7. Enter the amount to transfer and, if you’d like, a description to appear on the recipient’s statement
8. Select Create request
9. Select the payment schedule: Once off, Future dated, or Recurring payment
   1. For Future dated payment requests, you only need to enter a date in the First payment date field
   2. For a Recurring payment, complete the request details and provide a Payment end date or select Continue until further notice
10. Select the Frequency of the payment
11. Review the details of the payment
12. Select a client to send the secure code to. If there are multiple signatories, you’ll be given a choice
13. Your client will receive an SMS with their secure code. This code must be provided verbally to you
14. Enter the code into the Authorisation code field
15. Tick the box to confirm you received the code verbally
16. If they haven’t received a code and their number is correct, then you can send a new code by selecting Resend SMS
17. Once the code has been verified, the Submit button will change to a green tick. Select Continue
18. Confirm the payment details on the Payment Authorisation screen. If you’re satisfied the details are correct, then click Authorise.

You will be taken to the Payment Summary screen where you can see a summary of your AIP.

Next Steps

Your client will receive a confirmation email and SMS for their records. If you authorised the payment before 5pm on a business day, the payment will be received the next morning. Payments to other Cash Management Accounts during business hours will be received within 20 minutes of being authorised.

If you’re experiencing issues with AIP, see Why is AIP not working?

A complete step by step is also available.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

The information below applies to the following accounts:
 

• Macquarie Cash Management Account (CMA)
• Macquarie Investment Manager (Macquarie Cash Management Account)
• Macquarie Investment Consolidator (Macquarie Consolidator Cash Account)
• Macquarie Vision (Macquarie Vision Cash Account)
• Macquarie Online Trading (Macquarie Cash Management Account)
• Macquarie Wrap Cash Account

Your client can make a payment into their cash account a number of ways:
 

• EFT
• BPAY®
• Direct debit
• Cheque deposits.

Electronic Funds Transfer (EFT)

Your client can transfer funds into their cash account from other financial institutions via their online banking services.

Our branch (BSB) number is 182-512*.

*Only for accounts listed at the start of the article. For BSBs relating to Macquarie Cash Management Trusts (CMTs) which were transitioned to Macquarie CMAs, please refer to the Product Information Statement or check your account online.

Please note:

• Transfers between Macquarie accounts will generally be processed on the same business banking day. This does not include super or pension accounts
• Transfers from other financial institutions are generally made overnight and should reach their account the following business banking day. This means a transfer made on a Friday will generally be deposited the following Monday. Transfers made after business hours, however, will take an additional day to reach your client’s account. For example, a transfer made after business hours on a Monday will generally be deposited on Wednesday.

Where you have an SMSF which uses a Macquarie CMA or your SMSF is administered through a Macquarie Investment Consolidator account, we offer an electronic message service that allows your client’s account to receive employer super contribution payments and related messages electronically. The electronic service address (ESA) is MACQUARIESMSF.
 
Internal funds transfer

Your client can initiate a transfer between their Macquarie accounts.

For more information see How do I make a payment from my bank account using funds transfer or BPAY?

Transfers via an overseas bank

Your client can transfer funds to your Macquarie CMA from overseas by:
 

• bank draft drawn at an Australian bank, or by
• telegraphic transfer in Australian dollars (AUD). Please instruct the sending bank to quote our SWIFT code: MACQAU2S XXX.

BPAY
 
Your client can send funds to their account via BPAY. They’ll need to contact the financial institution holding the funds, which must be a BPAY payer. Use the following details to make the transfer:
 

• Biller code: 667022
• Reference number: their cash account number.

Please note BPAY deposits take up to three business days to clear.
 
Direct debits
 
Direct debits are the easiest way your client can automate regular deposits into their account.

Your client can set up a direct debit from an account they have with another financial institution. They can elect this on the online application at the time their account is opened or complete the Direct Debit Request form.

This form can also be used to facilitate a one-off direct debit. You can find this form for Macquarie Vision and Macquarie Wrap accounts at Adviser Tools by searching for "Direct Debit Request form".

The name of the bank account being debited must match the Macquarie account name, we can't action requests to debit third party accounts. However, you can request a direct debit from your client’s joint bank account into their individual Macquarie account, just ensure the direct debit request is signed by both joint account holders.

Your clients will need to provide a copy of a recent bank statement (that’s less than six months old) for the account they’re debiting which is used to verify the account details.

In circumstances where the account they’re nominating for direct debits doesn’t issue statements, we will accept alternative documents that clearly reflect the account name and details, for example a Transaction Report or screenshot of the online bank statement.

Posting a cheque to us

You can deposit cheques at a Macquarie branch. All cheques must be made payable to:

Macquarie Investment Manager II (full account name)

eg Macquarie Investment Manager II / Macquarie Investment Consolidator II John Citizen

Cheques should be accompanied by either a new application form or a deposit slip (available online) and be sent to us. Cheques take approximately three Business Days to clear and must be cleared before your selected investments can be purchased.

You can also deposit cheques at any participating National Australia Bank (NAB) branch. We will usually credit your Cash Account on the same Business Day, provided you lodge your deposit at the counter on that day. Interest on the deposit then accrues from that day. NAB does not accept cash deposits or third-party cheques on our behalf.

Please do not use the Express Cheque Deposit facility at NAB branches.

1. Write the following depositing account details on the back of each cheque:
 

• Macquarie account name
• Macquarie account number
• BSB 182-512
• a contact number (mobile or landline).

2. Post the cheque(s) to: 

    Macquarie Bank Limited
    GPO Box 4045 
    Sydney NSW 2001
 
Depositing a cheque at a Macquarie branch
 
Visit a Macquarie branch. Our branch locations are:
 

• New South Wales
   1 Shelley Street
   Sydney NSW 2000 

• Queensland
   Level 8, 825 Ann Street
   Fortitude Valley QLD 4006

• Victoria
   Level 32, 80 Collins Street South Tower
   Melbourne VIC 3000

® Registered to BPAY Pty Ltd ABN 69 079 137 518

A rebate of commission means that the benefit of commission fees paid to you as an adviser have been passed to the client.

For CMA, this means that clients will see a monthly credit with a narrative of "rebate of adviser commission."

For Wrap clients, this amount will reduce the administration fees the client pays. The administration fees, net of adviser rebate, will be debited from the client’s account.

These payments are usually considered assessable income for tax purposes. Your client may need to include the rebate amount as income in their tax return.

 

Request Centre allows you to upload completed forms and see that your requests have been received and processed by us, or if we need further information from you.

This is a faster and more secure way to submit requests to us, and we want to save you time by giving you visibility into the status of each request.

You’ll no longer need to call us to confirm if your request has been received. Once completed forms are uploaded and you’ve submitted the request, you’ll see an on-screen confirmation and be able to track the progress online.



Key information
 

• You can submit requests through Request Centre for both cash and Wrap clients
• Requests sent to us via email will still appear in Request Centre for you to track
• Ensure the form is completed and signed and ensure all the mandatory fields are completed. This will let us proceed with your request without any delay.

How to upload a form to Request Centre
 

1. Log into Adviser Online
2. Select Requests from on the Adviser Online menu beneath the Macquarie icon
3. Select New Request
4. Select the category
5. Select or drag and drop the document(s) you wish to upload
6. Click on Submit.

Learn more about Request Centre

Find out more about Request Centre, and expected processing times for different types of requests, by viewing the Request Centre user guide .

Online tax elections let you customise each of your clients' tax reports to suit their individual needs. You have options for managing capital gains and the tax treatment of adviser fees.

Please note that tax elections are only open from mid/late May through to early July. We’ll be in touch when tax elections are open to ensure you don’t miss out.

Tax elections are carried forward from the previous year. Click here to see how to check your current tax elections.

You can select one of three Capital Gains Tax (CGT) / cost base options. The FIFO (first in, first out) option is selected by default.
 

• FIFO – Disposals will be allocated to the earliest open parcel
• Minimum gain – Disposals will be allocated against the open parcel that will generate the lowest gain
• Specific parcel selection – You specify the open parcels against which disposals can be allocated.

If you’re a Macquarie Wrap adviser, you also have the option to select one of three tax elections for your client’s adviser fees. These are for adviser transactions fees and Adviser ongoing fees. The default option in this case is Unallocated.
 

• Unallocated – adviser fees will be unallocated in your clients’ tax reports
• Deductible – adviser fees will appear as deductible in your clients’ tax reports
• Non-deductible – adviser fees will appear as non-deductible in your clients’ tax reports.

Accessing your report

Both you and client will have access to the tax report. For more information about how you and your client can access them, please see Will my clients and I both have access to tax reports online?

Please see below for tax documents from the last few years.

For the most recent information about these topics, please use the Adviser Help Centre search bar or browse the Wrap Tax category

2019 Tax Resources
 

• Tax Guide
• Guide to Member Tax Calculation
• KPMG Independent review report
• Instalment warrants
  • Westpac
  • Citi
  • UBS

 

Independent audit report (2019)	Independent review report (2019)
Investment Manager	Investment Manager
Investment Accumulator	Investment Accumulator
Investment Consolidator	Investment Consolidator

2018 Tax Resources
 

• Tax Guide
• KPMG Independent review report   

 

Independent audit report (2018)	Independent review report (2018)
Investment Manager	Investment Manager
Investment Accumulator	Investment Accumulator
Investment Consolidator	Investment Consolidator

 

2017 Tax Resources
 

• Tax Guide
• KPMG Independent review report  

 

Independent audit report (2017)	Independent review report (2017)
Investment Manager	Investment Manager
Investment Accumulator	Investment Accumulator
Investment Consolidator	Investment Consolidator

 

To access the fee calculator, simply:
 

1. Log on to Adviser Online
2. Under Tools & resources, click on Fee calculator.

When you have opened the fee calculator, follow these steps:
 

1. Select the existing Wrap account(s) you want to use in your fee calculation. You can also select multiple accounts (up to 8) or input a prospective/new client’s details to calculate fees for a group. All accounts you select will be treated as part of a single group
2. If you have adviser codes under multiple dealer codes, we’ll ask you to select the dealer code you wish to price the nominated group of accounts under
3. For existing accounts, you can adjust their current assets if required. For new accounts, you’ll need to enter their recommended assets
4. You’ll then enter your adviser fee structure if you would like an estimate of the adviser fees for the nominated accounts.

Once you’ve entered all the required information, you’ll be able to see a summary of the Wrap fees applicable across each product for your account(s). You can generate a PDF report to print this information, if required.

Select the Product to see a full fee breakdown, as well as an adviser fee estimate for the account. You can also generate a PDF report to print, if required.

The fee calculator has been specifically designed to help you easily assess the suitability of the new products from an indicative fee perspective before you embark on a more in-depth assessment to determine what products best meet your client’s needs.