There are two types of pending transactions for your accounts:

  • Transactions requiring authorisation by another person on your account
  • Payments or transfers that have been authorised but not yet processed.

Transactions requiring authorisation by another person on your account

For some accounts with us like the Macquarie Cash Management Account, you are able to set up the account to be "two to sign" - this also applies to online payments. If your account is setup in this way, you will be informed on screen after you initiate the payment. Simply arrange for the other person authorised on the account to confirm the payment by logging into Macquarie Online Banking or Macquarie Mobile Banking app under their own Macquarie ID.

For the other person authorised on the account to confirm the payment using:

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 Scheduled payments
  3. Click Authorise on the payment you want to confirm or click Cancel to cancel the payment.

Macquarie Mobile Banking app:
  1. Scroll down the home screen to the Payment approval tile
  2. Click Authorise to confirm the payment or click Deny to cancel the payment.


Please note that these payments will only remain as a pending payment for that day. The payment will be removed at midnight. You'll need to restart the process if this happens.

Payments or transfers that have been authorised but not yet processed

This includes transactions such as:
  • Point of sale (POS) purchases
  • ATM withdrawals
  • Cash deposits
  • Direct deposits.

Pending transactions may also be the result of a merchant applying a pre-authorisation (for example, deposits for car hire or hotel accommodation where the authorisation may be cancelled on return of the vehicle or at the end of your stay).

Pending transactions adjusts the balance and available amounts displayed in accounts.
Was this helpful? Yes or No

Thank you. If you’d like to provide further feedback about your recent experience, please head to our Feedback and Complaints page.

Thank you. If you’d like to provide further feedback about your recent experience, please head to our Feedback and Complaints page.

Experiencing financial difficulty?

Where you feel you may not be able to meet your regular repayments or some other financial obligation, please contact us to see how we can work together towards a solution for you. 

Feedback and complaints

Everyone at Macquarie is commited to providing our clients with the highest standard of products and services available. If you have feedback we would like you to tell us about it. 

Help and support 

Have a question that hasn’t been answered?