Open a Macquarie Transaction Account in 3 minutes.

Then, simply transfer money into your account and add your debit card to your mobile wallet to pay on the go, instantly.

 

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A much loved digital experience

 

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Elevate your everyday banking

Experience award winning digital banking* with the Macquarie Mobile Banking app, designed to make your life easier:

  • Create smart budgets, categorise your spending and attach receipts to make tax time simple.
  • Add your debit card to your mobile wallet and pay on-the-go from the moment you open your account.
     

Security that moves with you

Macquarie Authenticator is our two-factor authentication app designed to keep your savings secure, while also providing a beautiful banking experience.

  • Receive detailed alerts directly to your device when there is account activity needing your attention.
  • Review transaction details upfront, so you have all the​ information you need to authorise activity on your account before it happens.
     


 

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Get discounts of up to 10% on eGift cards to use at over 65 leading retailers across Australia, including Woolworths, Amazon and IKEA.
 

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Set your savings in motion

Conditions are catching out Australians on their savings accounts. Learn how you can join the Australians who are getting the most out of every dollar, every day.
 

 

Experience award-winning banking

Enjoy great value and award-winning* banking every day with our transaction and savings account, cash management account, and term deposit.
 

Frequently asked questions

To open a Macquarie Transaction Account you’ll need to download the Macquarie Mobile Banking app or complete our online application. We’ve designed this process to be as quick and easy as possible, so that you can start using your account straight away. Before we can open your account, we’ll need to verify your identity and may ask you for some additional information. We recommend reading our terms and conditions before applying.

To apply for a Macquarie Transaction Account:

  1. Go to macquarie.com.au and select Everyday banking
  2. Under Transaction Account, click Find out more
  3. Select Open an account.

Or

Download the Macquarie Mobile Banking app from the app store.

If you need to pause your application partway through, we’ll send you an email so you can resume it when you’re ready.

Once you open a Macquarie Transaction Account, you can link a savings account in online banking by selecting Accounts and clicking Open an account in the menu.

A Macquarie Savings Account is available if you hold a Macquarie Transaction Account.

You can add one or more Macquarie Savings Accounts to your Macquarie Transaction Account during the application process, or in real time once the Macquarie Transaction Account has been opened.

For more information, please read our terms and conditions.

To add a Macquarie Savings Account once you’ve logged into Macquarie Online Banking:

  1. Click on the Open an account button on the right, above your accounts table
  2. Find the Savings Account option and click Open an account
  3. Select Account type (single or joint)
  4. Select Linked account
  5. Add your tax file number if required, and select Open account.

 

Alternatively, you can:

  1. Hover over the Transaction account on the accounts table
  2. Click on I want to
  3. Click on Open a savings account


To add a Macquarie Savings Account from the Macquarie Mobile Banking app:

 

  1. Select the menu icon in the icon bar from the bottom right corner
  2. Select Open an account
  3. Select Let's do it
  4. Select Account type (single or joint)
  5. Select Linked account
  6. Add your tax file number if required and select Open savings.


Alternatively, you can:

  1. Select your Transaction account from the account list
  2. Select the I want to button
  3. Click on Open a savings account.

We don’t charge fees on Transaction Accounts, Offset Accounts or Savings Accounts.

We provide a refund on fees incurred at all ATMs in Australia.

We don’t charge fees to withdraw cash overseas or make international purchases. Other financial institutions, such as the banks of international merchants and international ATM operators, may charge you fees for these transactions.

We don’t have any deposit requirements on Transaction Accounts or Savings Accounts to get access to our great benefits and earn interest.

For example, you don’t need to make a minimum monthly deposit to use the platinum benefits or make ATM withdrawals without Macquarie fees.

To open a joint or shared Savings account, first you’ll need to open a joint Macquarie Transaction Account.

On the last step of the application form you’ll be asked if you want the Macquarie Transaction Account to be a single or joint account.

If you select joint account, you can either invite a second applicant to complete the application in their own time or complete the application together.

If the second applicant is already a Macquarie customer, they’ll receive a push notification in mobile or online banking and an email to approve or deny the application.

Yes. The Australian Government guarantees aggregated deposits with Australian authorised deposit-taking institutions, including Macquarie Bank, of up to $A250,000.

The Financial Claims Scheme (FCS) is an Australian Government scheme that was established during the 2008 global financial crisis to provide financial protection for consumers in the unlikely event of a failure of a bank, credit union, building society or general insurer.

The FCS provides protection for depositors of banks, credit unions and building societies that are incorporated in Australia (also known as authorised deposit-taking institutions or ADIs), for deposits up to $250,000 per account holder per ADI. The scheme aims to return deposits to account holders within seven days of activation of the FCS.

The FCS can be activated by the Australian Government in the unlikely event that an ADI or general insurer fails.

Once activated, the FCS will be administered by APRA.

The objectives of the FCS are to:

  • protect depositors of ADIs, and claimants of general insurers, from potential loss in the unlikely event of the failure of these institutions;
  • provide depositors with prompt access to their deposits that are protected under the FCS; and
  • support the stability of the Australian financial system.

Further information about the Government Guarantee can be obtained from the APRA website at www.fcs.gov.au.

Already have a bank account with us?

Download the app

Download the Macquarie Mobile Banking app to start managing your banking on the go.

Download on the App StoreGet it on Google Play

 

Additional information

This information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply.

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Macquarie Bank has been awarded Money Magazine's Bank of the Year 2023/2024/2025.

Government Guarantee: The Australian Government guarantees aggregated deposits with Australian authorised deposit-taking institutions, including Macquarie Bank, of up to $A250,000. Further information about the Government Guarantee can be obtained from the APRA website at www.fcs.gov.au

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