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 platform1
  • Macquarie Online Trading.2

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.
SMSF award winner

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.

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Set your SMSF up for success

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

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
All2.75% p.a.
CMA Accelerator accounts$0-1,999,999.994.65% p.a.
$2,000,000 -9,999,999.994.15% p.a.
$10,000,000 +3.00% p.a.


Interest rates effective from 8 April 2024 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.

Cash Management Account offer documents

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

    Product Information StatementDownload PDF

    Cash Management Accelerator Account offer documents

    To open an Accelerator Account, you must open and link it to a new or existing CMA. Need more information before opening a Accelerator Account? Check out the Accelerator Product Information Statement.

    Product Information StatementDownload PDF

    Daily transaction limits

    There are daily transaction limits associated with the Cash Management Account.

    Daily funds transfer limit*Daily BPAY limit
    $100,000No limit

    *The $100,000 limit applies if you use the Macquarie Authenticator App and are registered for Electronic Banking. Otherwise, a default limit of $5,000 ($2,000 from Monday 22 July 2024. Learn more.) applies. Your applicable daily limit applies to all of the daily Pay Anyone payments you make across all your eligible accounts linked to your Macquarie ID. If you hold a joint account, click here for information about how this limit applies to you.

    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.


    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).


    International funds transfer



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


    Additional terms and conditions

    Terms and conditionsLink
    Macquarie electronic banking terms and conditionsView conditions

    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: 

    • 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 license 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.

    Before you continue, you'll need: 

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

    Before you continue, you'll need: 

    • A valid passport or driver license for all account holders

    • A certified copy of the trust deed

    • Details of the trustees or beneficial owners of the trust

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

    Before you continue, you'll need: 

    • A valid passport or driver license for all account holders

    • The ACN of the company

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

    Before you continue, you'll need: 

    • A valid passport or driver license for all account holders

    • the name of the body responsible for registration

    • The registration or incorporation number.

    Before you continue, you'll need: 

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

    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 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. Please read Payment cut off and processing times for other types of payment processing times.

    You can make a payment into your cash account using these options:

    • EFT
    • BPAY®
    • direct debit
    • cheque deposits (this service may not be available from 1 November 2024)

    Electronic Funds Transfer (EFT)

    You can transfer funds into your account from your Macquarie account or from most other financial institutions by using their online banking services.

    Our branch (BSB) number is 182-512*.

    Please note:

    • Transfers from Macquarie accounts will generally reach your account on the same business banking day. This does not include super or pension accounts.
    • Transfers from other financial institutions are normally made overnight and generally reach your account the following business banking day. This means a transfer made on a Friday will generally be deposited the following Monday. Transfers made after business hours, however, will take an additional day to reach your account. For example, a transfer made after business hours on a Monday will generally be deposited on Wednesday.

    Messaging requirements for self-managed superannuation funds (SMSFs):

    • Where you have an SMSF, we offer an electronic message service that allows your account to receive employer super contribution payments and related messages electronically. The electronic service address (ESA) is MACQUARIESMSF.
    • For SuperStream rollovers, you’ll need an active ESA that provides for rollover SuperStream services. To find an ESA provider for rollovers, we recommend referring to the ATO’s register of SMSF messaging providers.

    *Only for accounts listed at the start of the article. For BSBs relating to Macquarie Cash Management Trusts (CMTs) which were transitioned to Macquarie CMAs, please refer to the Product Information Statement or check your account online.

    *If you have a Macquarie Investment Accumulator Account, please use the BSB 182-799 and your account number to make EFT payments into your account.

    Internal funds transfer

    To initiate a transfer between your Macquarie accounts, please see How do I make a withdrawal or payment from my investment or SMSF account using funds transfer or BPAY?

    Transfers via an overseas bank

    You can transfer funds to your Macquarie CMA from overseas by:

    • bank draft drawn at an Australian bank, or by
    • telegraphic transfer in Australian dollars (AUD). Please instruct the sending bank to quote our SWIFT code: MACQAU2S XXX.


    To send funds to your account via BPAY, contact the financial institution holding the funds, which must be a BPAY payer. Use the following details to make the transfer:

    • Biller code: 667022
    • Reference number: your cash account number

    If you have a Macquarie Investment Accumulator Account, please use the Biller code 423152 and your account number as the reference number to make BPAY deposits into your account.

    Please note BPAY deposits take two business days to clear.

    Making direct debits

    Direct debits are the easiest way to automate regular deposits into your account.

    To set up a direct debit from an account you have with another financial institution, you can elect this on the online application at the time your account is opened and complete the Direct Debit Request form.

    This form can also be used to facilitate a one-off direct debit.

    The name of the bank account that you're debiting needs to match the name of your Macquarie account.

    You’ll need to provide a copy of a recent bank statement (that’s less than six months old) for the account you’re debiting which is used to verify the account details.

    In circumstances where the account you’re nominating for direct debits doesn’t issue statements, we’ll accept alternative documents that clearly reflect the account name and details, for example a transaction report or screenshot of the online bank statement.

    To receive real-time payments directly to your CMA, simply provide your Macquarie BSB and account number to the payer. NPP is a free service and you’ll not be charged for using it. You can check which financial institutions are set up with NPP.

    You can also view your transaction history and periodic account statements via Macquarie Online Banking and the Macquarie Mobile Banking app.

    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.

    Get in touch

    Contact us if you have a question about your account.

    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.


    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.


    Macquarie Online Trading is a service provided by Third Party Platform Pty Ltd (TPP) ABN 74 121 227 905 AFSL 314341, at the request of MBL. TPP is a Participant of the ASX and Cboe Australia. Neither TPP nor MBL are representatives of each other. Some of the fees paid to TPP for the provision of its services will be remitted to MBL. TPP and MBL do not provide personal financial advice in relation to Macquarie Online Trading.