Regulatory obligations

Under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act) we are required to verify your identity before providing you with any financial services. It is an offence under the AML/CTF Act to provide false or misleading information about your identity.

If we are unable to verify your identity either electronically, or through alternate methods, we will not be able to provide you with a financial service.
 

How we verify your identity electronically

Your identity may be verified electronically or through document-based verification.

By continuing with the online application you consent to:

  • your identity being verified electronically, and
  • your information to be disclosed to our selected Credit Reporting Agency who will match it against public and government sources, and against personal information held by them on your credit information file.

The Credit Reporting Agency is obligated to use your information for identity verification only and must keep your information confidential. This identity verification process may involve the use of vetted external organisations which may have their own privacy policies in place.

You may contact the Credit Reporting Agency for further information regarding how your personal information is used.

We will use the details you have provided on your application to electronically verify your identity. We may request additional information, such as a driver's license and/or your passport details as and when required.

If you do not wish for your identity to be verified electronically, please call us on 1300 150 300 to discuss alternate verification options. You will be required to provide identification documents.

What if we cannot verify you electronically?

If we cannot verify your identity electronically, you will be notified of the failed attempt.

If your personal information has changed recently (for example you have moved), you may want to consider if you have updated your details with the relevant bodies. You may also contact the Credit Reporting Agency to enquire whether your details held by them are correct (see the contact details below).

If the electronic verification failed, you may continue your application by uploading certified identification documents. A list of required documentation can be found by viewing 'What documents can we accept?'.

You can find out more about certifying your documents by viewing 'Who can certify your documents?'

What documents can we accept?

If electronic verification fails or you do not consent to have your identity electronically verified, certified copies of your identification documents will have to be provided. Certified copies of your identification documents are to be no more than 12 months old at the time of acceptance by Macquarie.

If you are required to upload documents, you will have to provide certified copies of the following:

  • one primary document, or
  • two secondary documents: one document from Category A AND one from Category B.

To confirm your identity, the documents you provide need to match exactly with the details you have provided in your application form, including:

  • your full name (no initials)
  • your residential address
  • your date of birth.

Files can be uploaded as jpg, tiff, png or pdf.

Primary identification documents

  • Australian Drivers License or Learner Permit (current)
  • Australian Passport (current or expired within the last 2 years)
  • International Passport (current)
  • Proof of Age Card/NSW Photo Card (current and government-issued)

Secondary identification documents

  • Australian Birth Certificate (not an extract) (Category A)
  • Australian Citizen Certificate (Category A)
  • Utility Bill (less than 3 months old) (Category B)
  • Council Rates Notice (less than 3 months old) (Category B)
  • Taxation Notice (less than 12 months old) (Category B)
  • Centrelink Statement (less than 12 months old) (Category B)
  • Centrelink Pension Card (current and must show current address) (Category A)

Who can certify your documents?

In order for documents to meet the certification requirements, the document must clearly be certified as a true copy of the original by an appropriate person. Each certified copy document must be certified separately and must show clearly:

  • the words “certified true copy of the original”
  • the signature of the certifying officer, and
  • the name, address, contact telephone number, provider/ registration number (if applicable) and category (for example, police officer or Justice of the Peace) of the certifying officer, legibly printed below the signature.
  • the date of certification.

A certified copy is defined by paragraph 1.2.1 of the AML/CTF rules as meaning a document that has been certified as a true copy of an original document by one of the following persons:

(1)   a person who, under a law in force in a State or Territory, is currently licensed or registered to practise in an occupation listed in Part 1 of Schedule 2 of the Statutory Declarations Regulations 2018;

Persons prescribed include:

  • Architect
  • Chiropractor
  • Dentist
  • Financial adviser or financial planner
  • Legal practitioner
  • Medical practitioner
  • Midwife
  • Migration agent registered under Division 3 of Part 3 of the Migration Act 1958
  • Nurse
  • Occupational therapist
  • Optometrist
  • Patent attorney
  • Pharmacist
  • Physiotherapist
  • Psychologist
  • Trade marks attorney
  • Veterinary surgeon

 (2)  a person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described);

 (3) a person listed in Part 2 of Schedule 2 of the Statutory Declarations Regulations 2018. For the purposes of the Rules, where Part 2 uses the term ‘5 or more years of continuous service’, this should be read as ‘2 or more years of continuous service’;

 Persons prescribed include:

  • An accountant who is:
    1. a fellow of the National Tax Accountants’ Association; or
    2. a member of any of the following:
      • Chartered Accountants Australia and New Zealand;
      • the Association of Taxation and Management Accountants;
      • CPA Australia;
      • the Institute of Public Accountants 
  • Agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public
  • APS employee engaged on an ongoing basis with 5 or more years of continuous service who is not specified in another item of this Part
  • Australian Consular Officer or Australian Diplomatic Officer (within the meaning of the Consular Fees Act 1955
  • Bailiff
  • Bank officer with 5 or more continuous years of service
  • Building society officer with 5 or more years of continuous service
  • Chief executive officer of a Commonwealth court
  • Clerk of a court
  • Commissioner for Affidavits
  • Commissioner for Declarations
  • Credit union officer with 5 or more years of continuous service
  • Employee of a Commonwealth authority engaged on a permanent basis with 5 or more years of continuous service who is not specified in another item in this Part
  • Employee of the Australian Trade and Investment Commission who is:
    1. in a country or place outside Australia; and
    2. authorised under paragraph 3(d) of the Consular Fees Act 1955; and
    3. exercising the employee’s function at that place
  • Employee of the Commonwealth who is:
    1. at a place outside Australia; and
    2. authorised under paragraph 3(c) of the Consular Fees Act 1955; and
    3. exercising the employee’s function at that place
  • Engineer who is:
    1. a member of Engineers Australia, other than at the grade of student; or
    2. a Registered Professional Engineer of Professionals Australia; or
    3. registered as an engineer under a law of the Commonwealth, a State or Territory; or
    4. registered on the National Engineering Register by Engineers Australia
  • Finance company officer with 5 or more years of continuous service
  • Holder of a statutory office not specified in another item of this Part
  • Judge
  • Justice of the Peace
  • Magistrate
  • Marriage celebrant registered under Subdivision C of Division 1 of Part IV of the Marriage Act 1961
  • Master of a court
  • Member of the Australian Defence Force who is:
    1. an officer; or
    2. a non‑commissioned officer within the meaning of the Defence Force Discipline Act 1982 with 5 or more years of continuous service; or
    3. a warrant officer within the meaning of that Act
  • Member of the Australasian Institute of Mining and Metallurgy
  • Member of the Governance Institute of Australia Ltd
  • Member of:
    1. the Parliament of the Commonwealth; or
    2. the Parliament of a State; or
    3. a Territory legislature; or
    4. a local government authority
  • Minister of religion registered under Subdivision A of Division 1 of Part IV of the Marriage Act 1961
  • Notary public, including a notary public (however described) exercising functions at a place outside:
    1. the Commonwealth; and
    2. the external Territories of the Commonwealth
  • Permanent employee of the Australian Postal Corporation with 5 or more years of continuous service who is employed in an office providing postal services to the public
  • Permanent employee of:
    1. a State or Territory or a State or Territory authority; or
    2. a local government authority; with 5 or more years of continuous service, other than such an employee who is specified in another item of this Part
  • Person before whom a statutory declaration may be made under the law of the State or Territory in which the declaration is made
  • Police officer
  • Registrar, or Deputy Registrar, of a court
  • Senior executive employee of a Commonwealth authority
  • Senior executive employee of a State or Territory
  • SES employee of the Commonwealth
  • Sheriff
  • Sheriff’s officer
  • Teacher employed on a permanent full‑time or part‑time basis at a school or tertiary education institution

 (4)      an officer with, or authorised representative of, a holder of an Australian financial services licence, having 2 or more years of continuous service with one or more licensees.

Accessing your details

In most cases, you can contact us to request access to your information. In normal circumstances we will give you full access to your information. However, if there are any legal or administrative reasons to deny access we will provide you with the reason.

You can also access your details held by our Credit Reporting Agency below:

Equifax
For credit header information: www.mycreditfile.com.au
Privacy Policy: www.equifax.com.au/privacy

Our Privacy Policy

Our Privacy Policy (which can be found here) describes additional ways we may use and treat your information outside of our identity verification obligations and includes information on:

  • how you can access and correct your information, and
  • how you may complain to us about a breach of the Australian Privacy Principles or a registered privacy code and how we will deal with any complaints.

It should be read in addition to these terms and conditions when considering any product or financial service being offered by us.

If you have privacy questions or complaints, please email privacy@macquarie.com and mark communications to the attention of our Privacy Officer or call us on 1800 806 310.
 

How do I provide a statement from a referee?

If you identify as Aboriginal or Torres Strait Islander and you’re unable to confirm your identity through our standard identification procedures, then you can also provide a statement from a referee as an alternative.

The statement by a referee must contain:

  • The referee’s knowledge of your full name(s)
  • The referee’s knowledge of your birth date
  • The referee’s knowledge of your residential address
  • The capacity of the referee's relationship to you and/or how long they've known you (must be greater than 2 years)
  • Office stamp/certification type stamp identifying the referee’s name, capacity in which to sign and date of certification

Persons who may qualify as a referee include:

  • A chairperson, secretary or chief executive officer of an Aboriginal/Torres Strait Islander organisation, or a board
  • A school principal or school counsellor
  • A minister of religion
  • A health professional or manager in Aboriginal/Torres Strait Island medical services
  • A police officer
  • A community leader or recognised Elder (who is not a parent, sibling or child of the customer)
  • Your current employer or manager

 

General enquiries

Monday to Friday 8am - 6pm (Sydney time)

1800 806 310

Contact us

Our client service specialists are ready to discuss your needs.

Help and support

Visit our online Help Centre.