Making a Pay Anyone payment

We’ve listened to your feedback and have improved the Pay Anyone experience to make it easier to use. A Pay Anyone payment is a funds transfer made via electronic banking from your Macquarie account to another Australian bank account. Watch the video to learn how to make a payment between $20,000 to $100,000 by downloading and using Macquarie Authenticator.

How do I get started with authenticator?

Step 1

Download the Macquarie Authenticator app through the App Store or Google Play.

Step 2

Tap the plus icon to add your account/s. You’ll be prompted to enter your Macquarie ID and password, so have them handy.

Step 3

Once you accept the terms and conditions, we’ll ask you to verify that it’s you setting up Authenticator – we’ll send a secure code to the mobile number you have on file with us.

Step 4

You’re ready to start using Macquarie Authenticator. Log into your online banking account or via the Macquarie Mobile Banking app and transact as you normally would.

How does Macquarie Authenticator work?

Watch the video to learn how the app works.

Frequently asked questions

The daily Pay Anyone limit is $20,000 when making a payment via Electronic Banking from your Macquarie account to another Australian bank account. There’s no daily limit for Pay Anyone payments between your Macquarie accounts with a BSB starting with 182, or to your nominated accounts if applicable.

You can temporarily increase your daily limit to $100,000 by calling us on the following:

  • Bank accounts - 133 174 (+61 8245 4470) 24/7
  • Home loans - 1800 007 722 (+61 8245 4383) from 8am to 7pm (Sydney time) Monday to Friday.

We’ll soon be increasing the daily Pay Anyone payment limit from $20,000 to $100,000 for Electronic Banking customers who've downloaded the Macquarie Authenticator App (Authenticator). This is currently scheduled for mid-November.

If you don’t have Authenticator, the daily limit of $20,000 will remain.

Macquarie Authenticator is our most secure and recommended verification method. It’s a mobile app that sends you actionable push notifications instead of SMS when you’re prompted to verify certain transactions and account changes when using both Macquarie Online Banking and the Macquarie Mobile Banking app.

The Macquarie Authenticator app:
  • sends push notifications for real-time control to approve or deny online transactions made from your account
  • provides rolling codes that are available 24/7 without the reliance of a cellular or data network, overcoming SMS issues when you’re travelling overseas, so no matter where you are in the world, you’ll have complete control over your account activity.

Macquarie Authenticator is available for use with the following products:

  • Macquarie Transaction Account
  • Macquarie Savings Account
  • Macquarie Home Loan
  • Macquarie Credit Card
  • Macquarie Cash Management Account
  • Macquarie Consolidator Cash Account.
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.
The Macquarie Authenticator app is available for Apple iOS and Android devices and is free to download from your app store – just search for Macquarie Authenticator. Once you’ve downloaded the app, follow the on-screen prompts to link your Macquarie ID.

You can download the app by following these links:

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?
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.
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. Select the profile icon in the top banner
  2. Select My security 
  3. Select My connected devices on the left-hand side
  4. Find the device you wish to deactivate Macquarie Authenticator from and select Deactivate app on the right-hand side
  5. Select Confirm.
  6. We’ll send an actionable push notification to your registered device to verify yourself.
  7. Select Approve.

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

Additional information

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