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Your connected cash hub

Connect your Macquarie Cash Management Account (CMA) seamlessly with over 45 other platforms and systems, including:

  • Macquarie's term deposits and our high-interest Accelerator account
  • Macquarie's Wrap platform.1

Easy, secure and digital

Enjoy the award-winning* Macquarie Mobile Banking App and industry-leading digital security with Macquarie Authenticator.

Open an account online today, with:

  • no account keeping or management fees
  • no minimum or maximum balances.

Visibility and reporting

Macquarie’s CMA puts 10 years of statements at your fingertips. You'll also have the flexibility and control to:

  • share data and reporting with your accountant or financial adviser, if you have one
  • categorise and easily search your transactions.

Looking for an SMSF bank account?

Control your SMSF cash flow with Macquarie’s Cash Management Account and linked high-interest Accelerator account. Open an account today to access award winning features that will make running your SMSF easy. 

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Access higher interest with Macquarie Accelerator

The Macquarie Cash Management Accelerator Account (Accelerator) is a high interest savings account linked to the Macquarie CMA. 

Open an Accelerator account at the same time you open your CMA  to earn more on the cash you're keeping for investment opportunities, or to simply receive a higher return on your savings and access your funds quickly when you need them with real-time transfers between the Accelerator and the CMA.

Get started

Set your SMSF up for success

Our SMSF toolkit will step you through the most important considerations for setting up and managing your SMSF.

View the toolkit

Rates and fees

Interest rates

Interest on the Macquarie CMA is calculated using stepped interest rates, which means that account holders may be paid a different interest rate for different portions of their balance.

ProductBalance portionInterest rate
CMA
All2.00% p.a.
CMA Accelerator accounts$0-1,999,999.993.90% p.a.
$2,000,000 -9,999,999.993.40% p.a.
$10,000,000 +2.25% p.a.

See previous interest rates 

Interest rates effective from 15 August 2025 and are subject to change.

 


For the interest rates that apply to cash accounts linked to wrap, please visit the wrap page.

Interest on cash accounts linked to wrap is calculated differently. However, clients who close their wrap account but decide to keep their CMA will, at that point, then be subject to the stepped interest rates listed above.

Macquarie Cash Management Account terms and conditions

Need more information before opening our award winning CMA? Check out the:

    DocumentLink
    Bank Accounts terms and conditionsView conditions

    Macquarie Cash Management Accelerator Account terms and conditions

    To open an Accelerator Account, you must open and link it to a new or existing CMA. 

    Please note, you will not be able to link your Accelerator to a different CMA after it has been set up. 

    Need more information before opening a Accelerator Account? Check out the Bank Accounts terms and conditions.

    DocumentLink
    Bank Accounts terms and conditionsView conditions

    Daily transaction limits

    Visit Help Centre to view and understand transaction limits.

    Account fees

    Fee TypeFee amount
    Monthly account feeFree

    Online payments

    Make internal transfers, pay anyone and BPAY® payments through online banking and mobile banking on an immediate or scheduled basis.

    Free

    Audit letterFree
    Dishonoured paymentsFree
    Transaction investigationFree

    Real Time Gross Settlement (RTGS)

    Transfer funds within the same Business Day to another Australian financial institution (subject to cut off time below).

    Free

    Statements6

    6Historical statements for up to 10 years are available online. For more information, contact us.

    		Free

    Additional terms and conditions

    Terms and conditionsLink
    Macquarie electronic banking terms and conditionsView conditions

    Payment cut off and processing times

    See information on payment cut off and processing times.

    Open a Cash Management Account

    To open a Macquarie Cash Management Account and a linked high-interest Accelerator account online, you'll need to: 

    • Be at least 18 years old.
    • Have a permanent Australian residential address, email and mobile number.
    • Share some information with us, digitally. We've listed the requirements below.
    • Check you’ve chosen to opt in to open a linked, high-interest Accelerator account, linked to your CMA, as part of the account opening process.
    • Apply online with swift account opening if you provide all the required information. 

     

    I need a Cash Management Account for a...

     

    Before you continue, you'll need: 

    • A valid passport or driver licence for all account holders

    • The ABN of the Trust (note that the SMSF must have a complying or registered status) 

    • A certified copy of the trust deed.

    Apply now

    Before you continue, you'll need: 

    • A valid passport or driver licence for all account holders.

    Apply now

    Before you continue, you'll need: 

    • A valid passport or driver licence for all account holders

    • A verification form completed by a solicitor or qualified accountant that confirms the name of the Trust, Trustee(s), Settlor, Beneficiaries or Class(es) of beneficiaries and Appointors/protectors (if any)

    • Details of the trustees or beneficial owners of the trust

    • If the trust has a corporate trustee, the ACN of the corporate trustee.

    Apply now

    Before you continue, you'll need: 

    • A valid passport or driver licence for all account holders

    • The ACN of the company

    • Details of the directors and benefical owners of the company.

    Apply now

    Before you continue, you'll need: 

    • A valid passport or driver licence for all account holders

    • the name of the body responsible for registration

    • The registration or incorporation number.

    Apply now

    Before you continue, you'll need: 

    • A valid passport or driver licence for all account holders.

    Apply now

    Frequently asked questions

    The Macquarie Cash Management Accelerator Account (Accelerator) is a high interest savings deposit account that links to your Macquarie Cash Management Account (CMA). You can earn more on your cash funds while waiting for investment opportunities or simply get a higher return on your savings. The Accelerator offers you the convenience of having your investment cash hub and your surplus investment cash account in one place.

    Accelerator benefits

    • higher interest rates
    • no fees
    • no minimum or maximum balances
    • real-time transfers to and from your linked CMA during a business day
    • covered by the Government Guarantee under the Financial Claims Scheme.

    Most investors use an Accelerator account as a place to keep their excess investment cash due to a higher interest rate than the standard CMA. Please note that interest rates are variable and subject to change. You can view the current Accelerator interest rates here.

    You can send payments from your CMA to other internal Macquarie accounts (Transaction, Savings, Business Savings, Offset or Cash Management accounts) or externally to other institutions.

    For more detailed information on cut off and processing times for other types of payments, see Cut-off and processing times for payments and transfers.

    For a list of ways to fund your Cash Management Account, see Making a payment into your cash account. 

     

    The Cash Management Account (CMA) cannot be linked to a debit card. You can send real-time payments from your CMA internally to Macquarie Transaction, Savings, Business Savings, Offset or Cash Management accounts or externally to other NPP-enabled institutions.

    The Business Transaction Account (BTA) is an account designed to help you run your business online and achieve your business goals. In addition to the capabilities of our Cash Management Account, the BTA helps you:​

    • Manage multiple payments efficiently. 

    • Integrates with business management software.

    • Access to Macquarie Business Online (MBO). ​

    • Access Business Banking specialists available to assist with your banking needs. ​

    For more help and support topics, visit Macquarie Help Centre

    Support for customers

    Do you have a financial adviser or accountant?

    Our CMA is designed to work with your financial professionals. Contact your adviser or accountant today to discuss connecting with them to manage your account.

    Help and support

    Quickly search and find the answer to common questions.

    Visit Help Centre

    Get in touch

    Contact us if you have a question about your account.

    Contact us

    Additional information

    This information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. Before making any financial investment decision or a decision about whether to acquire a product mentioned on this page, a person should obtain and review the terms and conditions and/or relevant offer document relating to that product and also seek independent financial, legal and taxation advice.

    1

    The Macquarie Wrap products referred to on this page are issued by Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237 492 (MIML). Consider the Product Disclosure Statement (and/or other applicable offer documents) available on the Macquarie Wrap website, to decide if our products are right for you and whether you should acquire or continue to hold a product.

    *

    Our digital banking platforms are part of why we were awarded Money Magazine’s Bank of the Year 2023/2024.