Macquarie Authenticator

The Macquarie Authenticator app is available for Apple iOS and Android devices and is free to download from your app store – search ‘Macquarie Authenticator’ – or visit your app store via the buttons on this page.

To get started, you’ll need a registered Australian mobile number, your Macquarie ID and password.

Once you’ve downloaded the app, follow the on-screen prompts to link your Macquarie ID.

You can find step-by-step instructions here.

For security purposes you may be prompted to verify yourself through a push notification in the Macquarie Authenticator app when making certain transactions or account changes in Macquarie Online Banking. In all likelihood, this will happen infrequently.

When you are prompted to verify through a push notification on your Macquarie Authenticator, you can:

• Approve or
• Deny the transaction.

To approve the verification:

1. Open the push notification on your Macquarie Authenticator
2. Review the details
3. Click Approve
4. Enter your PIN (or fingerprint / facial recognition if you have set it up).

To deny the verification:

1. Open the push notification on your Macquarie Authenticator
2. Review the details
3. Click Deny
4. If you believe there was unauthorised access to your account, please:
   a. Change your password
   b. Call us on 133 174 (+61 2 8245 4470), 24/7.

If you don’t receive a push notification when being prompted, you can choose to verify another way. See I didn’t receive my Macquarie Authenticator push notification. What should I do?

The Macquarie Mobile Banking app and the Macquarie Authenticator app are separate apps, and you will need to download both on your phone.

The Macquarie Mobile Banking app is our cutting-edge digital app that makes managing your money simple and convenient.

The Macquarie Authenticator app is an extra layer of security for your Macquarie ID that helps protect your account and personal information on Macquarie Online Banking and the Macquarie Mobile Banking app.

The reason why they are separate apps is that it allows clients who own more than one Macquarie ID to register them on the Macquarie Authenticator app.

For your security, we register all your devices that have installed the Macquarie Authenticator app and can be managed in My connected devices in Macquarie Online Banking. You may wish to deactivate a device when you upgrade your mobile device or if you’ve lost your device or had it stolen.

To deactivate Macquarie Authenticator in Macquarie Online Banking:

1. Hover over the Settings icon on the side menu then click on Security Settings
2. Scroll down to Connected Devices
3. Click Manage
4. Find the device you wish to deactivate Macquarie Authenticator from and click Deactivate app
5. We’ll send an actionable push notification to your registered device to verify yourself
6. Select Approve.

If your Macquarie Authenticator app is completely unavailable (lost your phone?), for security reasons, give us a call on 133 174 (+61 2 8245 4470), 24/7.

A rolling code is a one-time 6-digit Secure Code available on your Macquarie Authenticator app. This code updates every 30 seconds and is one of Macquarie’s secure verification methods. The code is available anytime, anywhere, without needing an active internet connection or mobile coverage and can be used as an alternative to push notifications.

To view your rolling code:

1. Log on to your Macquarie Authenticator app
2. View your rolling code on the home screen.

You can use this rolling code to verify a transaction or other actions from Macquarie Online Banking. Remember to take Macquarie Authenticator with you when travelling.

A daily payment limit applies to Pay Anyone payments made via Macquarie Online Banking or the Macquarie Mobile Banking app from your Macquarie accounts to other Australian bank accounts.

• With Macquarie Authenticator, your daily transfer limit is $100,000 across all your eligible accounts linked to your Macquarie ID

• Without Macquarie Authenticator, your daily transfer limit is $2,000 across all your eligible accounts linked to your Macquarie ID.

To transfer more than $2,000 per day, you’ll need to download and set up the Macquarie Authenticator app. 

See more information about payment limits.