Checking your account balance

You can view your account balances on the home page once you’ve logged in to the Macquarie Online Banking and Macquarie Mobile Banking app.

In the Macquarie Mobile Banking app, you can also view your account balances via a ‘quick view’ feature that shows you a snapshot of your account balances without having to log into the app.

To set up quick view:

1. Select the three dots at the top of your account list
2. Select Manage quick view accounts
3. Select the accounts you wish to see
4. Select Done. 

You can modify or turn off quick view by repeating this process.

Available balances are impacted by pending transactions, which are payments or transfers that have been authorised but not yet processed. Pending transactions impact balances as follows:

• ‘Balance’ is the amount of money in your account before all pending transactions have been processed.
• ‘Available’ is the amount that will be available after any pending transactions have been processed and is a more reliable reflection of how much you can spend at that time.

For your home loan:

• ‘Balance’ is the loan amount outstanding.
• ‘Available’ is the amount of funds available for redraw (if the account allows).

If you've withdrawn cash from an ATM and noticed that the balance displayed by the ATM doesn't seem to reflect the withdrawal straight away, this could be related to an issue with the ATM display logic, rather than an issue with your account.

For the most up-to-date balance, check your account in Macquarie Online Banking or the Macquarie Mobile Banking app:

• ‘Balance’ is the amount of money in your account before all pending transactions have been processed. 
• ‘Available’ is the amount that will be available after any pending transactions have been processed and is a more reliable reflection of how much you can spend at that time.

Your account doesn’t have an overdraft feature, so it’s important to have enough money in your account to cover your payments.

While we try to decline any payment that would overdraw your account, some transactions can’t be stopped in real time. This can happen with:

• card payments where the final charge is higher than the initial hold on your card (e.g. public transport, hotel or car rental payments)
• some recurring payments (e.g. membership or subscription fees)
• payments where the merchant terminal isn’t connected to the internet (e.g. in-flight purchases).