While you can’t deposit notes, coins or third party cheques into a Macquarie Cash Management Account (CMA), there are a number of convenient ways to add funds to your account.

Depositing your salary, dividends and other income

You can have your salary, dividends and other income such as pensions, unit trust distributions and interest paid directly into your Macquarie CMA. There is no minimum amount for these electronic deposits after you have opened the account. To deposit:

  • salary – complete an Income Redirection form and arrange for this to be processed through your employer’s payroll department
  • dividends and interest – contact the instition or registry where your investment is held and provide them with your CMA details. 

Funds transfer

You can transfer funds into your Macquarie CMA from most other financial institutions by requesting them to transfer funds on your behalf and giving them your account details (BSB and account number).

  • Our branch (BSB) number: 182-512*


To send funds to your Macquarie CMA via BPAY®, contact the financial institution holding the funds, which must be a BPAY® payer. Use the following details to make the transaction.

  • Biller code – 667022
  • Reference number – your Macquarie CMA number

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 Macquarie CMA. The minimum direct debit amount is $250 per transaction, which can be set-up as a one-off or set to recur weekly, monthly, quarterly, half-yearly or yearly. The deposits must come from an account(s) in the same name.

To establish a direct debit from an account with another financial institution, you can elect this on the online application and complete the Direct Debit Request form. You will need to provide an account statement (that is less than six months old) for the account you are debiting.

Transfers organised via an overseas bank

You can transmit funds to your Macquarie CMA from overseas by telegraphic transfer, in Australian dollars (AUD), or by bank draft drawn at an Australian bank. When sending in telegraphic transfers please instruct the sending bank to quote our SWIFT code:

  • Macquarie SWIFT code: MACQAU2S XXX

Deposits through National Australia Bank (NAB)

We have arranged for NAB to accept cheque deposits on your behalf provided you use your personalised Macquarie CMA deposit book. Cheques must be for a minimum of $500 and be in Australian dollars (AUD). We usually credit your account the same business day, provided you lodge your deposit at the counter, and not at the express cheque deposit facility. Interest will accrue from that day.

Online deposits from overseas banks

The online International Money Transfer (IMT) service allows you to initiate international transfers to and from your Macquarie CMA in foreign currency. IMT has no hidden fees and gives you full transparency of the foreign exchange rate at the time you make the transaction. Register for this service online or call IMT on 1300 797 494 (Australia) or +61 2 8667 8082 (international).

Lodgement times and interest

Deposits lodged at Macquarie by 4pm (Sydney time) on a business day will start earning interest that day in most instances. Deposits received after 4pm will be processed on the following business day.

Related products

New accounts

Apply for a Macquarie Bank Cash Management Account.

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1800 806 310

Help and support

Visit our online Help Centre.

Additional information

* Only for accounts opened as a Macquarie CMA, 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.

The International Money Transfers ("IMT") service is provided by OzForex Limited, ABN 65 092 375 703 AFSL 226484 ("OzForex"). Before deciding whether to use the service, please consider the OzForex Financial Services Guide and Product Disclosure Statement.

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Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237 492 RSEL L0001281 (MIML) is the operator of Macquarie Investment Manager, Macquarie Investment Manager II, Macquarie Investment Consolidator, Macquarie Investment Consolidator II and Macquarie Investment Accumulator; and is the Trustee of the Macquarie Superannuation Plan.

This information is provided for the use of licensed and accredited brokers and financial advisers only. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products. This information does not take into account any person’s objectives, financial situation or needs. Before making any financial investment decision or a decision about whether to acquire or continue to hold any products mentioned on this page, a person should obtain and review the offer documents relating to that product and also seek independent financial, legal and taxation advice.

Unless stated otherwise, this information has been prepared by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502 (MBL).

Any information on Macquarie Wrap products has been prepared by Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237492 RSEL L0001281 (MIML). The Macquarie Separately Managed Account is issued by Macquarie Investment Services Limited ABN 73 071 745 401 AFSL 237495 (MISL). In deciding whether to acquire or continue to hold a product, a person should consider the PDS, IDPS Guide, or other relevant offer document(s) available on the Macquarie website. Our Target Market Determinations are available at macquarie.com.au/TMD.

Funds invested on your behalf by MIML, or investments in the SMA other than cash on deposit with MBL, are not deposits with or other liabilities of MBL or any other entity of the Macquarie Group and are subject to investment risk, including possible delays in repayment and loss of income and capital invested. None of MBL, MIML, MISL or any other member of the Macquarie Group guarantees any particular rate of return or the performance of the investments, nor do they guarantee the repayment of capital.

Any information on this page in relation to mortgages has been prepared by Macquarie Securitisation Limited ABN 16 003 297 336 AFSL and Australian Credit Licence 237863 (MSL).