Registering for Macquarie ID+

Macquarie ID+ is a security feature that uses your unique facial features (biometrics) to confirm your identity, and approve banking activities that require higher security in real-time.

Examples of when you might use Macquarie ID+ include:

• when you’re opening an account with us
• if you’ve lost access to your old device.

Macquarie ID+ is only available to clients who can access Macquarie Online Banking or the Macquarie Mobile Banking app.

Macquarie ID+ offers a secure and convenient way to confirm your identity and help protect you from identity theft. Since your facial features are unique to you, this is our most secure way to verify your identity. This means you can action banking activities requiring higher security digitally, without having to contact us. It makes managing your accounts simpler and more secure.

Macquarie ID+ and Face ID are different features. Face ID is an iOS feature which allows you to log in to your device, and any apps (e.g. Macquarie Mobile Banking or Macquarie Authenticator), by scanning your face. See more information on setting up Face ID.

Before you register for Macquarie ID+:

• you’ll need to have your current, physical Australian driver licence or Australian passport ready
• if you're an existing customer, you’ll first need to download and set up the Macquarie Authenticator app on your device
• your mobile device will need to be updated to either Android 8.0 or iOS 15.0, or above. You can check this in your device settings.

To set up Macquarie ID+, follow the four steps below:

• Step 1: Register using Macquarie Authenticator
• Step 2: Scan your Australian ID document
• Step 3: Review and edit your details
• Step 4: Scan your face

In some cases we may be unable to verify your identity  through Macquarie ID+. You will receive an error message after attempting to register along with instructions to retry in some instances. 

Below are some of the reasons why you may not be able to register for Macquarie ID+:

• We couldn’t match your details to your ID. This error can occur if your ID is damaged, dirty or there is light causing reflections on the document. You may need to order a replacement, or you can try again with a different ID.
• We’re having trouble verifying your identity. This error can occur if: 
  • you haven’t provided your full middle name
  • you only have initials on your licence, or 
  • you haven’t updated your personal details with the relevant organisational bodies. 
• We’re unable to verify your identity. This error can occur when your face scan does not match the photo on your ID. In this case you will need to order a replacement ID with an up-to-date picture of your face and retry.

If you’re unable to register to Macquarie ID+ with either your Australian driver’s licence or passport, please contact us via live chat or call us on +61 2 8550 5666, 24/7 if you need assistance.

If you have multiple Macquarie IDs, Macquarie ID+ will be associated to all the Macquarie IDs under your name. Please note this security feature is only available to customers who can access the Macquarie Online Banking app and Macquarie Mobile Banking.

We collect, use and disclose your facial biometric data for the purpose of validating your identity. We do this when you first register for Macquarie ID+ and at each instance we require you to do three-factor authentication (e.g. when you set up your new device using Macquarie ID+). 

Your facial biometric data is collected, processed and stored by Macquarie and our third party provider, Incode Australia Pty Ltd ACN 685 699 521, on Macquarie's behalf. We handle your data in line with our Privacy Statement.

If you don’t consent to your biometric data being collected and used by us, we may not be able to verify your identity. If we cannot verify your identity, you:

• can’t open an account with us, and/or
• won’t be able to proceed with the action you’re trying to do that requires biometric verification (e.g. register a new device).       

Also, if you close all your accounts, we’ll destroy any biometric information previously collected/created. However, we may need to retain copies of your identity documents and photos for regulatory and record-keeping purposes.