Active Banking - Help Index

1. Go to the web address macquarie.com/activebanking

2. Enter your alias or your 8 digit Macquarie Access Code (MAC) in the Macquarie ID field.

3. Tab to the Password field and enter the password you have been provided with. Passwords are case sensitive and must be 6 to 256 characters in length. 

4. Click the Login button.

•  If you have forgotten your password, you can reset it online if you have an Australian mobile number recorded in Active Banking.

1. Go to the web address macquarie.com/activebanking

2. Click on the link to Reset password. This is located under the Login button.

3. Enter your 8 digit Macquarie Access Code (MAC) in the Macquarie Access Code field.

4. Tab to the Mobile phone number field and enter your mobile number. The mobile number entered must be the same as the mobile number recorded in Active Banking.

5. Click the Submit button.

6. A SafeCode will be sent to you by SMS to your mobile phone, enter this in the SafeCode field.

7. Click the Submit button.

8. You will be prompted to create a new password.

9. Enter your new password in the space provided next to New Password.

10. Re-enter your new password in the space provided next to Confirm New Password.

11. Click the Submit button.

12. You will be prompted to log in to Active Banking, using the new password you just created. 

• NOTE: If you are unable to reset your password using the forgotten password steps, you will need to call Client Support on 1800 620 673 (overseas +61 2 8245 4177). Client Support will provide you with a temporary password which you can use to access Active Banking and reset your password. 
   
  Once you are successfully logged in to Active Banking, go to My Details and Preferences to check your mobile number is correct. Update your mobile number if needed, so that next time you want to reset your password you can do this online.

1. To logout of Active Banking, click Logout.

2. To close the browser window, click the X in the top right hand corner of the screen.

1. From the navigation tool bar click the Account Summary tab.
2. To expand or collapse the Facility information (i.e. display the associated accounts), click the + symbol on the left hand side of the facility. Where facility access is not provided, click the + symbol next to accounts without facility level access.
3. To view the Account Details of an account, click the Account Name.
4. To return to Account Summary page, click the Back button located at the bottom of the Account Details page.

1. From the navigation tool bar click the Account Summary.
2. To view the Facility Details of a facility, click the Facility Number and Name.
3. To return to the Account Summary page, click the Back button located at the bottom of the Facility Details page.

1. From the navigation tool bar click the Accounts & Statements tab.
2. Use the search functionality to reduce the list of accounts in view. From the drop down selection menu next to Search, select either Account name, Account number or Show all 
   • Account name: Limits your search to accounts which contain all or part of the search criteria you have entered.
   • Account number: Limits your search to accounts which start with the search criteria you have entered.
   • Show all: Displays every account that you have access to in the Account List.
   • You may need to use the navigation functionality to page through the list.
3. Once you have made your selection, tab across to the blank field next to Search and enter your search criteria.
4. Click the Go button.
5. Use the ascending or descending functionality to change the sort of the list of accounts.
6. Use the navigation functionality to navigate through the Account List page.

1. From the navigation tool bar click the Accounts & Statements tab.
2. To view the Account Details of a specific account, click the Account name.
3. To return to the Account List page, click the Back button located at the bottom of the Account Details page.

• New how to guide: How to find and view transactions
• Transaction list is not a statement of account, only actual bank account statements should be relied upon for details of your account transaction history and balances. Transactions that have their date highlighted in the Transaction List are transactions generated today. These are not finalised until overnight processing has been completed.

1. From the navigation tool bar click the Accounts & Statements tab.

2. Select the account/s you wish to search on, click the check box next to the specific account/s located on the left had side of the Account List. To select all of the accounts from the list being displayed click the check box next to the Account name. You cannot select individual accounts from different pages.

3. To view the transactions for the selected accounts, click Find & view transactions.

4. You can narrow your search by entering specific search criteria. You can select one or more search criteria from the options available:-

• Date Period: Enter a “from” and “to” date in the format dd/mm/yy
  • Active Banking will default the Date Period “to” date as today’s date and the “from” date to a week prior to today’s date.
  • You may enter 'to' and 'from' dates spanning a maximum period of three years.
  • You may enter a 'from' date no longer than 10 years prior to the current date.
• Transaction description: Enter part or all of a transaction description.
• Amount range: Enter a "from" dollar amount and / or a "to" dollar amount.
• Transaction type: Use the drop down menu to limit your search to Debits and credits, Credits only or Debits only.
• Reference / Cheque Number: Enter part or all of a reference or cheque number.

5. Once you have entered your search criteria, click the Find transactions button.

6. Use the ascending or descending functionality to change the sort of the list of transactions.

7. Use the navigation functionality to navigate through the Transaction List page.

8. To change the accounts you are searching on, either click the Back button located under Search criteria or click the Change selection button.

9. Select the accounts that you wish to search on.

10. Click the Find & view transactions button.

• You have the ability to generate, print and save bank statements on a specific account or a group of accounts.
• You have the ability to save your generated statement/s. All statements generated in the same enquiry will be saved together; you do not have the ability to save statements individually. To do this you will need to generate statements individually.
• Download Adobe Acrobat Reader, if it is not already installed on your computer.

1. From the navigation tool bar click the Accounts & Statements tab.

2. Select the account/s you wish to view the statement/s for, click the check box next to the specific account/s located on the left hand side of the Account List. To select all of the accounts from the list being displayed click the check box next to the Account name. You cannot select individual accounts from different pages.

3. To view the statements for the selected accounts, click Generate statement/s.

4. Enter the date period of the statement/s you would like to view in the format dd/mm/yy. Active Banking defaults the “from” and “to” date period to the previous working day.

• You may enter 'to' and 'from' dates spanning a maximum period of three years.
• You may enter a 'from' date no longer than 10 years prior to the current date.

5. Click the Generate statement button. If you have generated multiple statements as part of your search the account number associated with each statement is displayed in the Bookmarks tab on the left hand side of the screen.

6. Click the account number to view, print or save the statement/s.

7. To print the statement/s you are currently viewing, click the Print button.

8. To save the statement/s you are currently viewing, click the Save button.

9. To change the accounts you are viewing statements for click the Change selection button.

10. Select the accounts you wish to view statements for.

11. Click the Generate statement/s button.

12. Enter the date period for the statement/s you would like to view.

13. Click the Generate Statement button.

If you are having trouble with this function, please ensure your internet browser security settings are set up to allow this function.

• New how to guide: How to access statement files

1. From the navigation bar click on the Accounts & Statements tab.
2. From the navigation bar click on the Statement Files tab.
3. Locate the statement you wish to download and click Download statement file.
4. Depending on your browser settings you may be able to save, open or print the file.
5. The screen is updated to show the the most recent date the file was downloaded and the name of the last user who downloaded the file. 

If you are having trouble with this function, please ensure your internet browser security settings are set up to allow this function.

• Export transactions allows the production of a file containing a list of transaction details for a chosen account and time period, that can be read by numerous software packages in varying formats.
• The resultant CSV File is not a statement of account, and only actual bank account statements should be relied upon for details of your account transaction history and balances.

1. From the navigation bar, click on the Accounts & Statements tab.
2. To select the account/s you wish to export transactions from, click the check box beside the specific account/s. To select all of the accounts from the list displayed, click the top check box next to Account.
3. Once you have entered your search criteria, click Export Transactions on the right hand menu.
4. Enter the date period of the transaction/s you would like to export in the format dd/mm/yy. Active Banking defaults the “from” and “to” date period to the previous working day.
   • You may enter 'to' and 'from' dates spanning a maximum period of three years.
   • You may enter a 'from' date no longer than 10 years prior to the current date.
   Click the Export CSV button.
5. You will prompted to either Open or Save the file in the most appropriate software available on your system.

To change the account you are searching within:

1. Click either the Back button below the date fields, or the Change Selection button below the ‘Selected account/s’ list.
2. Select the account you would like to export transactions from.
3. Follow Steps 3-5 above.

If you are having trouble with this function, please ensure your internet browser security settings are set up to allow this function.

• How to guide: How to switch to online statements
• If you want to switch to online statements for all accounts within a facility, simply choose one of the accounts under that facility from the Select Account page.
• If you choose to switch to online statements for an account linked to a multi-facility, you can only choose to switch to online statements for all accounts within that facility, and not for individual accounts.
• Some accounts are not eligible for online statements. If this is the case you will be presented with an error message.
• NOTE: Switching to online statements will replace all paper statements currently being sent for the selected account or accounts. If you have statements being sent to multiple addresses, all of these will be replaced with online statements. If an existing recipient of a paper statement still requires access to this information, please contact us and we will arrange to have a paper statement sent to them.

How to switch to online statements

1. Select Open & Manage Accounts.
2. Choose the account you want changed to online instead of paper statements, then click Switch to online statements.
3. Choose whether you want to switch to online statements only for the account selected (unless you selected an account linked to a multi-facility), or for all accounts associated with the facility of the account you selected.
4. Choose your preferred sort order for online statements then click Next. The sort order selected is important as this determines the order of individual account statements within the statement file. A single statement file will be delivered to Active Banking, but the individual account statements within the file will be in the order you select here. There are three different sort orders to choose from:
   • by account name - the account statements within the statement file will be sorted by the name of the account
   • by account number - the account statements within the statement file will be sorted by the account number
   • by strata plan number - the account statements within the statement file will be sorted by the strata plan number
5. The Preview Switch to Online Statements Request page will display. Check the details are correct, if you need to modify the request click Back, or click Submit.
6. The Switch to Online Statements Request Submitted page will display.

• New how to guide: How to close an account
• When accessing Open & Manage Accounts the default page will be Manage Accounts.  
• You can use the Close Account page to close At Call, Cheque and Term Deposit accounts that are held on behalf of your clients.
• If you don't provide us with alternative instructions, on maturity, your Term Deposit will automatically roll over for the same term at the applicable interest rate offered on the maturity date. Please be aware that subsequent terms may have a lower interest rate. 
• If you wish to close a Term Deposit and access any funds before the maturity date, you will need to provide us with 31 days' notice (except in limited hardship related circumstances).
  
  Please note:
  • The 31 days' notice period only applies to Term Deposits invested for terms greater than 30 days.
  • If you have less than 31 days remaining on your Term Deposit, the earliest you can access funds is at maturity.
  • After 31 days, your Term Deposit will be closed and subject to a reduction in interest.
  • You will not be able to add or withdraw funds throughout the term.

What do you need to get started?

To take advantage of online account closure functionality you will need to consider the required system access permissions.

How to close an account

1. Select Open & Manage Accounts. When accessing Open & Manage Accounts the default page will be Manage Accounts.  To close a Term Deposit you will need to select the Term Deposits page before moving on.  For all other accounts, proceed on the Manage Accounts page.

2. Select the account you would like to close.

3. Select Close Account.

TFN, ABN or exemption details section

4. Select Yes or No to indicate if you would like to provide TFN, ABN or exemption details as part of the account closure request. If you do not want to enter TFN, ABN or exemption details select No and then select Next.

5. Enter the Beneficiary details. Use the drop down menu to select the Type. If Type Exemption is selected the TFN or ABN is not required, but you will need to provide an Exemption reason. If Under 16 years of age is selected as the exemption reason a Date of birth is required.

6. Enter the TFN or ABN of the beneficiary.

7. Enter the Full name of the beneficiary.

8. Enter the Address of the beneficiary, including City or suburb, State, Postcode and Country.

9. Select Next.

Closure information section

10. The Closure information section provides a summary of the account being closed, this includes:

• Current balance. The current balance is the account balance before any final accrued interest, fees and withholding tax adjustments are made.
• Accrued interest. Since last paid. Accrued interest is any credit interest accrued on the account since last payment or capitalisation. This amount will be added to the current balance.
• Other fees. Other fees are a total of any fees applicable to the account at closure. This amount will be deducted from the current balance.
• Withholding tax. Withholding tax is deducted when no TFN, ABN or exemption details have been provided for the account. This amount will be deducted from the current balance.
• Closing balance. Closing balance is the final balance of the account being closed taking into consideration any applicable accrued interest, fees and withholding tax. This is the final amount to be paid to the nominated beneficiary or beneficiaries.
• Total credit interest. The total credit interest amount is the amount of total accrued and capitalised credit interest earned for the account since it was originally opened.

Note: Not all of the above fields will appear for all account closure types.

Distribute closing balance section

11. Select Single Closing transaction or Multiple Closing transactions to indicate how you would like to distribute the closing balance of the account:

• Selecting Single Closing transaction will provide you with the ability to pay funds to a single payee.
• Selecting Multiple Closing transactions will provide you with the ability to pay funds to multiple payees. For Term Deposits this option is only available on the date of maturity.

The Single Closing transaction option allows you to pay the closing balance of the account to a single payee:

12. Use the drop down menu to select Type. You can select Transfer, RTGS or Bank Cheque:

• For Transfer or RTGS enter the To account name, BSB number and the Account number. The Amount will default to the closing balance of the account and cannot be amended.
• For Bank Cheque enter the Payee name. The Amount will default to the closing balance of the account and cannot be amended. Any applicable Bank cheque fee will be automatically deducted from the payment amount. If the Bank cheque fee states Redirect, the bank cheque fee will be redirected and debited from the account previously provided. 

13. If Bank Cheque has been selected as the Type, use the drop down menu to select Bank cheque delivery. You can select By express post or Hold for collection - Sydney, Melbourne, Brisbane, Western Sydney, Perth, Adelaide, Newcastle, Gold Coast or Canberra.

• For Hold for collection enter the Desired date for bank cheque collection (optional) and the Desired time for bank cheque collection (optional). This information is optional.

The Multiple Closing transactions option allows you to pay the closing balance of the account to multiple payees:

14. Use the drop down menu to select Type. You can select a combination of Transfer, RTGS or Bank Cheque:

• For each Transfer or RTGS enter the To account name, BSB number, Account number and the Amount.
• For each Bank Cheque enter the Payee name and the Amount. Any applicable Bank cheque fee will be automatically deducted from the payment amount. If the Bank cheque fee states Redirect, the bank cheque fee will be redirected and debited from the account previously provided.

• If Bank Cheque has been selected as the Type, use the drop down menu to select Bank cheque delivery. You can select By express post or Hold for collection - Sydney, Melbourne, Brisbane, Western Sydney, Perth, Adelaide, Newcastle, Gold Coast or Canberra.

• For Hold for collection enter the Desired date for bank cheque collection (optional) and the Desired time for bank cheque collection (optional). This information is optional.

15. To enter the details for additional payees select the Add another row link.

Contact details section

16. Contact details are required in case we need to contact you in relation to the account closure request. The Contact name, Daytime contact number or Mobile number are defaulted base on the Macquarie Access Code (MAC) details of the user currently logged in to Active Banking.

17. Select Save.

18. The Close Account – Closure Saved and Pending Authorisation page is presented. From this page you can:

• Authorise the account closure request if you have the correct level of authorisation access. For further information on authorisation, please refer to Open & Manage Accounts, Pending Authorisation
• Modify the account closure request. Select Modify. For further information on modifying account closures, please refer to How to modify an account closure request.
• Delete the account closure request. Select Delete. From the Confirm Deletion page select Yes or No to either confirm the deletion or to return to the page you were previously on.
• Arrange to close another account. Select Close another account.

How to modify an account closure request

• You can modify an account closure request that has not been fully authorised for processing
• You can modify an account closure request from the Close Account Details or Pending Authorisation pages. If you modify an account closure request with a status of partially authorised the request will need to be re-authorised.  To modify an account closure request from Pending Authorisation, please refer to the Open & Manage Accounts, Pending Authorisation page. 

Modify from Close Account Details

1. From the Close Account Details page, select Modify. Make the required changes to the account closure request.
2. Select Save.

• New how to guide: How to open an account
• When accessing Open & Manage Accounts the default page will be Manage Accounts.
• You can use Open Account to:
  • Open At Call, Term Deposit and Cheque accounts that are held on behalf of your clients.
• A new account number for the account being opened will be provided once the opening request has been submitted for processing. The new account number will be included as part of the Open Account – Opening Submitted confirmation page.

What do you need to get started?

To take advantage of online account opening you will need to consider the following:

How to open an account

New account details section

1. Select Open & Manage Accounts.

2. Select Open Account.

3. Enter the New account details. Use the drop down menu to select the Facility.

4. Use the drop down menu to select the Account type. The account type options available for selection are determined by the facility selected.

• If an investment facility is selected the account type options available are At Call or Term Deposit. If you selected Term Deposit, you will need to provide additional Term Deposit details.
• If a cheque facility is selected the account type options available are Cheque.

5. Enter the Account name of the account. Include any matter or reference numbers you want included as part of the account name.

• Please note, the account name must clearly identify all the beneficiaries of the account. For example Company A for the benefit of John Cameron Smith and Sally Anne Jones, should read "Company A ATF/ITF/FTB Cameron Smith & Sally Anne Jones". In the event beneficiaries are not clearly identified withholding tax will be charged. 

Term Deposit details section (if applicable)

6. Use the drop down menu to select the Investment term. You can select one of the standard investment terms 1 month, 2 months, 3 months, 4 months, 6 months, 8 months, 9 months, 1 year or 2 years or Specify term deposit maturity date. If the Specify term deposit maturity date option is selected, a Term deposit maturity date will need to be provided.

7. Use the drop down menu to select the Maturity instructions.

• Selecting Reinvest for same term will ensure the Term Deposit is reinvested for the same term at maturity
• Selecting Move to at call will ensure the Term Deposit is rolled to an At Call account at maturity

TFN, ABN or exemption details section

8. Select Yes or No to indicate if you would like to provide TFN, ABN or exemption details as part of the account closure request. If you do not want to enter TFN, ABN or exemption details select No and then select Next. 

NOTE: To complete this section of the account opening request you will need to provide the full name and then either the address or the TFN, ABN or exemption details. You do not need to provide all of the information to open the account if it is not available. It is not a legal requirement to provide a TFN, ABN or exemption reason. You can also provide TFN, ABN or exemption details at a later date by navigating to Open & Manage Accounts, selecting the account and clicking Provide TFN, ABN or Exemption.

9. Enter the Beneficiary details. Use the drop down menu to select the Type. If Exemption is selected the TFN or ABN is not required, but you will need to provide an Exemption reason. If Under 16 years of age is selected as the exemption reason a Date of birth is required.

10. Enter the TFN or ABN of the beneficiary.

11. Enter the Full name of the beneficiary. This is your full name as recorded with your TFN with the Australian Tax Office.

12. Enter the Address of the beneficiary, including City or suburb, State, Postcode and Country. You can add the TFN, ABN or exemption details for up to six beneficiaries on the same account opening request. To add the details for more beneficiaries select the Add another beneficiary link.

Opening deposit section

13. Select Yes or No to indicate if you would like to include a funds transfer with the account opening request. If you select No, then please proceed to the Additional information section. 

14. Select Direct debit  or Internal transfer to indicate where the funds transfer amount is to be debited from.

• For Direct debit enter the From account name, BSB number, Account number and the Amount.
• For Internal transfer enter the From account number and the Amount.

Additional information section

15. Enter the Purpose of account. The purpose of account should describe the main reason for opening the account. The following are some examples that may be used and have been provided as a guide only:

Insolvency

• Administrator appointed
• Bankrupt estate
• Liquidator appointed
• Receivers and managers

Strata

• Admin fund
• Levy collection
• Normal course of business

Real Estate

• Growth
• Business
• Income
• Legislative requirements
• Savings

Legal

• Growth
• Business
• Income
• Legislative requirements
• Savings

Investment (other)

• Growth
• Business
• Income
• Legislative requirements
• Savings

16. Enter the Source of funds. The source of funds should describe the primary source of the funds being credited to the account. The following are some examples that may be used and have been provided as a guide only:

Insolvency

• Asset sale
• Existing personal or business accounts
• Future deposits from trading accounts

Strata

• Owner monies
• Owner levy payments

Real Estate

• Asset sale
• Business proceeds
• Deposit on property purchase
• Rental bonds
• Savings

Legal

• Asset sale
• Estate monies
• Litigation fees

Investment (other)

• Asset sale
• Business proceeds
• Deposit on property purchase
• Gift
• Rental bonds
• Savings

17. Select Reinvest to this account or Transfer to another account to indicate where you would like any credit interest to be paid:

• Selecting Reinvest to this account will ensure any credit interest is paid to the new account being opened.
• Selecting Transfer to another account will ensure any credit interest paid is the account nominated.  The Account name, BSB number and Account number will need to be provided when selecting this option.

18. Contact details are required in case we need to contact you in relation to the account opening request. The Contact name, Daytime contact number or Mobile number are defaulted base on the Macquarie Access Code (MAC) details of the user currently logged in to Active Banking.

Account opening terms and conditions section

19. Select the Deposit Products and Non cash Payments Facilities Product Disclosure Statement (PDS) link to view our current PDS.

20. Select the Account Opening Terms and Conditions link to view the terms and conditions that govern the operation of the account being opened.

21. Once the account opening request details have been completed select Next.

How to submit an account opening request

22. If the account opening request includes a funds transfer the Open Account – Account Opening Saved and Pending Authorisationpage is presented. From this page you can:

• Authorise the account opening request if you have the correct level of authorisation access. Once the account opening request has been submitted for processing the account number for the new account will be issued. For further information on authorisation, please refer to Open & Manage Accounts, Pending Authorisation.
• Modify the account opening request. Select Modify. For further information on modifying account closures, please refer to How to modify an account opening request.
• Delete the account opening request. Select Delete. From the Confirm Deletion page select Yes or No to either confirm the deletion or to return to the page you were previously on.
• Arrange to open another account. Select Open another account

23. If the account opening request does not included a funds transfer the Open Account – Preview Account Opening Detailspage is presented.

• If the account opening details are correct, select Submit. Once the account opening request has been submitted for processing the account number for the new account.
• If the account opening details are incorrect and need to be amended, select Back. Make the required changes and select Next. 

How to modify an account opening request

• You can modify an account opening request that has not been submitted for processing
• You can modify an account opening request from the Open Account – Preview Account Opening Details, Open Account Details or Pending Authorisation pages. If you modify an account opening request with a status of partially authorised the request will need to be re-authorised. To modify an account opening request from Pending Authorisation, please refer Open & Manage Accounts, Pending Authorisation.

 Modify from the Open Account - Preview Account Opening Details page

1. Select Back. Make the required changes to the account opening request.
2. Select Next.

Modify from Open Account Details

1. From the Open Account details page, select Modify. Make the required changes to the account opening request.
2. Select Next.

Account Opening and Closure

• You can use Pending Authorisation to:
  • Authorise account opening requests (that include a funds transfer) and closure requests.
  • View details of account opening requests (that include a funds transfer) and closure requests created which require authorisation.
  • Modify account opening requests (that include a funds transfer) and closure requests that have not been authorised and submitted for processing.
  • Delete account opening requests (that include a funds transfer) and closure requests that have not been authorised and submitted for processing  
  • Once an account opening request (that includes a funds transfer) or closure request has been authorised and submitted for processing it cannot be deleted or stopped.
• Account opening requests (that include a funds transfer) and closure requests will require either sole or dual authorisation:
  • Account opening:
    • If the request includes a direct debit (debiting an account external to Macquarie Relationship Banking) the user or users authorising the request will require authorisation access to the facility the new account is being established under.
  • If the request includes an internal transfer (debiting another Macquarie Relationship Banking account) the user or users authorising the request will require authorisation access to the account being debited for the funds transfer
  • Account closure:
    • The user or users authorising the request will require authorisation access to the account being closed.
• Account opening requests (that include a funds transfer) and closure requests requiring authorisation will be displayed on the Account Requests tab.
• Unauthorised or Partially Authorised account opening requests (that include a funds transfer) and closure requests will remain visible in Pending Authorisation and History for five business days from today’s date if created prior to 3.00pm (AEST/AEDT), after which the request status will be change to Expired. If the request was created after 3.00pm (AEST/AEDT) it will remain visible for six business days from today’s date before the status is changed to Expired.
  • For further information on account opening and closure statuses please refer to Statuses.
  • For further information on account opening and closure cut-off times, please refer to Cut-off times.   
• Account opening requests (that include a funds transfer) and closure requests with a status of Expired will need to be re-created and fully authorised.
• Account opening requests (that include a funds transfer) and closure requests with a status of Expired are only be displayed in History

How to authorise a request

1. Select Open & Manage Accounts.
2. Select Pending Authorisation.
3. Select the account opening or closure request or requests you would like to authorise.
4. Enter your Macquarie Access Code (MAC) and Password.
5. Select Authorise.

How to view the details of a request from Pending Authorisation

1. Select Open & Manage Accounts.
2. Select Pending Authorisation.
3. Select the account opening or closure request you want to view the details of.
4. Select View details.

How to modify a request from Pending Authorisation

1. Select Open & Manage Accounts.
2. Select Pending Authorisation.
3. Select the account opening or closure request you want to modify.
4. Select Modify. Make the required changes to the account opening or closure request.
5. Select Next for account opening. Select Save for account closures.

How to delete a request from Pending Authorisation

1. Select Open & Manage Accounts.
2. Select Pending Authorisation.
3. Select the account opening or closure request or requests you would like to delete.
4. Select Delete.
5. From the Confirm Deletion page select either Yes or No.
   • Selecting Yes will ensure the account opening or closure request or requests are deleted and will not be submitted for processing.
   • Selecting No will cancel the deletion request and you will be returned to page you were previously on.

• You can use History to view current and historical account opening and closure request details, including the status of the request and other audit information.
• Historical account opening and closure request details may be viewed for up to seven years prior to today’s date. However you can only search results in the seven year period in blocks of six months.
• You cannot authorise, modify or delete from History. For further information on authorisation, please refer to Open & Manage Accounts, Pending Authorisation.

How to view History

1. Select Open & Manage Accounts.

2. Select History.

3. Enter the Date from and to dates to indicate the search period. Any dates entered must be in the format dd/mm/yy. Active Banking will default the Date from to seven days prior to today’s date and the to date to today’s date.

4. Select Go.

• To view the details of an account opening or closure request select the link to the Request ID. To print from the details select Print.
• To view the audit information of an account opening or closure request click the + or – to expand or collapse the section. For further information on the status of your account opening and closure request, please refer to Statuses.   

• New how to guide: How to update Term Deposits Maturity
• When accessing Term Deposits the default page will be Select Account.
• You can use Term Deposits to:
  • Provide alternative maturity instructions for any Term Deposit you have Create level of access to.
  • Provide instructions to close any Term Deposit at maturity that you have Create level access to.
  • Provide instructions to partially withdraw funds at maturity where you have Create level access.
• You can provide alternative maturity instructions via Active Banking before 8.00pm (AEST/AEDT) each day, up to and including the day of maturity.
• You can only provide one partial withdrawal or account closure instruction per account via Active Banking.  For further requests or modifications you can email us at business@macquarie.com, call 1800 620 673 or contact your relationship manager.
• If you provide alternative maturity instructions, at the end of the current term, the Term Deposit will be automatically reinvested in accordance with your instruction at the prevailing interest rate.
• If you wish to change the term of a Term Deposit that has rolled over, you have five business days from and including the reinvestment date.  You can provide instructions by emailing us at business@macquarie.com, calling 1800 620 673 or contacting your relationship manager
• If you provide instructions to close an account or partially withdraw funds, these will be actioned at the end of the current term.
• You will need to provide us with 31 days' notice to access the funds in your Term Deposit before the maturity date (except in limited hardship related circumstances). This applies to Term Deposits invested for terms greater than 30 days. After 31 days your Term Deposit will be closed and subject to a reduction in interest. If you have less than 31 days remaining on your term, the earliest you can access your funds is the maturity date. See Close an account for more information.

How to update Term Deposit Maturity

1. Select Open & Manage Accounts.

2. Select Term Deposits.

3. Select the account you would like to provide alternative maturity instructions for.

4. Select Update term deposit maturity.

5. Use the drop down menu to select the Term deposit maturity option. You can select one of the standard investment terms presented or Std At Call Investment. If the Std At Call Investment option is selected the Term Deposit account will be changed to a standard At Call account at maturity.

6. Select Save.

How to withdraw partial funds from a Term Deposit at maturity    

• See How to request a partial withdrawal from a Term Deposit at maturity

How to close a Term Deposit at maturity

• See Close an account for more information.

How to close a Term Deposit before maturity

• You will need to provide us with 31 days' notice to access the funds in your Term Deposit before the maturity date (except in limited hardship related circumstances). This applies to Term Deposits invested for terms greater than 30 days. After 31 days your Term Deposit will be closed and subject to a reduction in interest. If you have less than 31 days remaining on your term, the earliest you can access your funds is the maturity date.
• For closures before maturity you will need to select the Forms link and complete the applicable Account Closure form.  See Close an account for more information.

• You can provide one or more Tax File Numbers (TFN), Australian Business Numbers (ABN) or exemption reasons for an account.
• No authorisation is required.
• For privacy and regulatory reasons, upon submission the actual digits of the TFN or ABN will no longer be displayed in Active Banking. You will still be able to see the other details that were included in the request, such as the name and address that was entered.

How to provide TFN, ABN or exemption details

1. Select Open & Manage Accounts.
2. Choose the account you want to add details for, then select Provide TFN, ABN or exemption.
3. Enter the details.
   • To add additional details, simply select Add another beneficiary to add up to 6 beneficiaries in the same request.
4. Enter Contact details then click Save. 
5. The Preview TFN, ABN or Exemption Details page will display. Check the details are correct, if you need to modify the request click Back, or click Submit.
6. The TFN, ABN or Exemption Details Submitted page will display.

• How to guide: How to transfer funds

1. From the navigation tool bar click on the Transfers & Payments tab.

2. Within the Create Payment tab select an account you wish to make a payment from. If you have multiple accounts you can use the filter option at the top of the list to narrow your search.

3. Select Funds transfer from the action box on the right.

4. On the Create Funds Transfer page enter the amount you wish to transfer.

5. Complete the payee account details or select from Find existing payee.

• You can also click Find BSB to search for a list of valid BSB numbers.

6. If you wish to save this account to your payee list then check the Save detail to payee list box.

• If you entered details for a new payee, the payment will need to be authorised before the payee appears in your payee list.
• If you selected a payee from the list and modified the BSB and/or account number, the payment will need to be authorised before a new payee with the modified details appears in your payee list.
• If you selected a payee from the list and modified the account name, the payee you originally selected is not updated with the modification.
• See Managing payees for more information.

7. Complete the optional description fields.

8. Select the timing either current payment date, future payment date or recurring:

• If recurring then select frequency and day / timing.
• Select whether you want payments that are due to be paid on a weekend or public holiday to occur on the previous or next working day.
• Future dated payments are once-only payments that can be paid up to 12 months in advance. These payments can be authorised up until 6:30pm (AEST/AEDT) on the fifth business day from the set payment date.
• Recurring payments: Enter the first or last transfer date, or select pay until further notice. Recurring payments can be authorised up until 6:30pm (AEST/AEDT) on the fifth business day from the first payment date.
• Please note, with recurring payments, you have the ability to skip the next scheduled payment.

9. Click Save.

10. Enter authorisation details on the Funds Transfer Pending Authorisation page or from the Pending Authorisation.

Note: Funds transfers cannot be made to credit cards. Please use BPAY to do this.

• How to guide: How to pay BPAY® bills

1. From the navigation tool bar click on the Transfers & Payments tab.

2. Within the Create Payment tab, select an account you wish to make a payment from. If you have multiple accounts you can use the filter option at the top of the list to narrow your search.

3. Select BPAY from the action bar on the right.

4. On the Create BPAY page, enter the amount you wish to transfer.

5. Complete the Biller code and customer reference number details or select a pre-saved biller from Find existing biller link.

6. If you wish to save the details to your biller list then check the Save detail to biller list box.

7. Complete the optional description fields.

8. Select the timing of either current payment date, future payment date or recurring:

• Future dated payments are once-only payments that can be paid up to 12 months in advance. These payments can be authorised up until 6:30pm (AEST/AEDT) on the fifth business day from the set payment date.
• If recurring then select frequency and day / timing. Recurring payments can be authorised up until 6:30pm (AEST/AEDT) on the fifth business day from the first payment date.
• Select whether you want payments that are due to be paid on a weekend or public holiday, to occur on the previous or next working day.
• Recurring payments: Enter the first and final payment dates.
• Please note, with recurring payments, you are able to skip the next scheduled payment.

9. Click Save.

10. Enter authorisation details on the BPAY Pending Authorisation page or from the Pending Authorisation .

• If the Biller you are paying issues variable customer reference numbers (CRN), the CRN details cannot be saved or stored against the Biller record. A new CRN must be entered each time a payment is made to the Biller.

• How to guide: How to make group payments

1. From the navigation tool bar click on the Transfers & Payments tab.

2. Within the Create Payment tab select which account you wish to make a payment from. If you have multiple accounts you can use the filter option at the top of the list to narrow your search.

3. Select Group Payment from the action bar on the right.

4. A list of templates available for your account will be displayed. To use an existing template, choose the template and select Create payment using template otherwise select Create new payment.

5. Enter the description you would like to see on your statement in the Description of transfer field and then select either Payment or Salary as most correctly reflects your payment type.

6. For each payee enter the To account name, BSB number, Account number, Description to payee and Amount. You can search your payee list by clicking on the magnifying glass to the right of the To account name, or search the BSB list by clicking on the magnifying glass to the right of the BSB number. Entering a Description to Payee is optional, and reflects what the payee will see on their statement.

7. The Add more rows button can be used to add additional rows to your payment if required.

8. Once you have finished entering the payment details, you have the option of saving the details as a template that can be used again in the future. Simply click Save as template and using the dropdown select either Include amounts or Exclude amounts . This option determines whether the individual payment amounts are stored in the template.

9. The option to Hide details from others ( Private ) if selected ensures that no other individual is ever able to see the details of the group payment.

• Note: if you created the payment from a template and modified any details, and if the authoriser is not you, the authoriser will not be able to view details of the payees that have been added or modified in this payment.

10. Select the timing for your payment to be either current payment date, future payment date or recurring: 

• Future dated payments are once-only payments that can be paid up to 12 months in advance. These payments can be authorised up until 6:30pm (AEST/AEDT) on the fifth business day from the set payment date.
• If recurring then select frequency and day / timing. Recurring payments can be authorised up until 6:30pm (AEST/AEDT) on the fifth business day from the first payment date.
• Select whether you want payments that are due to be paid on a weekend or public holiday, to occur on the previous or next working day.
• Recurring: Enter the first and last transfer dates, or select pay until further notice.
• Please note, with recurring payments, you are able to skip the next scheduled payment.

11. Select Save.

12. Enter authorisation details from the Group Payment Pending Authorisation page or from the Pending Authorisation.

• You can use the Domestic Telegraphic Transfer payment option to create Domestic Telegraphic Transfers. Domestic Telegraphic Transfers are intra-day electronic payments to nominated Australian bank accounts. Domestic Telegraphic Transfers are sometimes referred to as RTGS payments. 
  
• Domestic Telegraphic Transfers authorised prior to the 3.00pm (AEST/AEDT) cut-off time will be credited to the beneficiary during the same processing day. Domestic Telegraphic Transfers authorised after the 3.00pm (AEST/AEDT) cut-off time will be credited to the beneficiary on the next business day. 
  • If the 3.00pm (AEST/AEDT) cut-off time has been missed and the payment is urgent, consider creating and authorising a Funds Transfer request. Funds Transfers created and authorised prior to 6.00pm (AEST/AEDT) will be processed today. If you choose to create and authorise a Domestic Telegraphic Transfer after the 3.00pm (AEST/AEDT) this will not be received by the beneficiary until the following business day.     

• Special fees apply; please refer to the Fees and Charges. 
• Domestic Telegraphic Transfers submitted online via Active Banking are subject to the availability of funds. If there are insufficient funds available to process the request, the originator of the request will be contacted.  

1. From the navigation tool bar click on the Transfers & Payments tab. 

2. Within the Create Payment tab select an account you wish to make a payment from. 

• If you have multiple accounts you can use the filter option at the top of the list to narrow your search. 

 3. Select Domestic Telegraphic Transfer from the Choose an action box on the right. 

4. On the Create Domestic Telegraphic Transfer page enter the amount you wish to transfer, the Account name, BSB number, Account number and to payee. Entering the Description to payee is optional and reflects what the payee will see on their statement 

• You can also click Find BSB to search for a list of valid BSB numbers. Please ensure BSB and account numbers are correct.  Account name is used as a reference only.  It may not be possible to recover funds from an unintended recipient. 

 5. Select how you would like the Domestic Telegraphic Transfer fee to be paid. Either: Deduct fee from account, Deduct fee from the transfer amount prior to processing, or Deduct fee from the following Macquarie Business Banking account.

• If you select Deduct fee from account, any applicable fee for the Domestic Telegraphic Transfer will be deducted from the account as indicated. Please note: If there is a fee re-direction loaded against the account indicated, any applicable fee will be automatically re-directed. 
• If you select Deduct fee from the transfer amount prior to processing, any applicable fee will be deducted from the transfer amount prior to the transfer being processed. The transfer amount will be reduced by the applicable fee. 
• If you select Deduct fee from the following Macquarie Business Banking account, enter the account number the fee is to be deducted from. Any applicable fee will be deducted from this account. 

6. Check the defaulted Contact name, Daytime contact number and Mobile number details are correct. If necessary amend the defaulted details. 

• If the contact details have defaulted incorrectly you can update these permanently via My Details and Preferences. 

7. Click Save. 

• You can also select the Back button to return to the Transfers & Payments, Create Payment page. Please note: if you select the Back button the information you have entered on the Create Domestic Telegraphic Transfer page will be deleted. 
• You can also select the Clear button to clear the information you have entered on the Create Domestic Telegraphic Transfer page. 

• You can use the International Telegraphic Transfer payment option to create International Telegraphic Transfers. International Telegraphic Transfers are electronic payments to nominated overseas bank accounts. International Telegraphic Transfers are sometimes referred to as FX payments.
• International Telegraphic Transfers authorised prior to the 3.00pm (AEST/AEDT) cut-off time will be processed on the same day. Telegraphic Transfers authorised after the 3.00pm (AEST/AEDT) cut-off time will be processed on the next business day.
• Special fees apply; please refer to the Fees and Charges.
• International Telegraphic Transfers submitted online via Active Banking are subject to the availability of funds. If there are insufficient funds available to process the request, the originator of the request will be contacted.

1. From the navigation tool bar click on the Transfers & Payments tab.

2. Within the Create Payment tab select an account you wish to make a payment from.

• If you have multiple accounts you can use the filter option at the top of the list to narrow your search.
  

3. Select International Telegraphic Transfer from the Choose an action box on the right.

4. On the Create International Telegraphic Transfer page enter the currency you wish to transfer (you can send either Australian dollars or foreign currency). If you select foreign currency, you will need to select the Currency type from the drop down box. When sending foreign currency, you can elect to enter either the Australian dollar or foreign currency amount you wish to transfer.

5. Select the Beneficiary’s Bank name, Beneficiary account number, SWIFT CODE / BIC Code, Branch Code / ABA Routing / Sort Code / Transit number, and Bank address. You also are required to provide the Correspondent Bank’s name or SWIFT Code. If you do not know this, please select the tick box and Macquarie will source this on your behalf.

• If you elect to send foreign currency, you will also be required to provide the Beneficiary name, and the Beneficiary address.
  

6. Select how you would like the International Telegraphic Transfer fee to be paid. Either: Deduct fee from account, Deduct fee from the transfer amount prior to processing, or Deduct fee from the following Macquarie Business Banking account.

• If you select Deduct fee from account, any applicable fee for the Domestic Telegraphic Transfer will be deducted from the account as indicated. Please note: If there is a fee re-direction loaded against the account indicated, any applicable fee will be automatically re-directed. 
• If you select Deduct fee from the transfer amount prior to processing, any applicable fee will be deducted from the transfer amount prior to the transfer being processed. The transfer amount will be reduced by the applicable fee.
• If you select Deduct fee from the following Macquarie Business Banking account, enter the account number the fee is to be deducted from. Any applicable fee will be deducted from this account.

7. Check the defaulted Contact name, Daytime contact number and Mobile number details are correct. If necessary amend the defaulted details.

• If the contact details have defaulted incorrectly you can update these permanently via My Details and Preferences.

8. Click Save

• You can also select the Back button to return to the Transfers & Payments, Create Payment page. Please note: if you select the Back button the information you have entered on the Create International Telegraphic Transfer page will be deleted.
• You can also select the Clear button to clear the information you have entered on the Create International Telegraphic Transfer page.

You can only modify a payment if it has one of the following statuses:

• Auth Recurring
• Pending Auth
• Partially Auth.

For Funds transfer payments you can modify the following information:

• payment amount
• description of transfer
• account name
• BSB number
• account number
• timing:
  • current payment date
  • future payment date
  • recurring transfer
    • frequency
    • day 
    • alternative day if the payment falls on a non-business day (previous or next)
    • next payment date (within a 12 month period)
    • last transfer on date (within a 12 month period)
    • pay until further notice (default).

For BPAY payments you can modify the following information:

• payment amount
• description of BPAY
• biller name
• biller code
• customer reference number
• timing:
  • current payment date
  • future payment date
  • recurring transfer
    • frequency
    • day
    • alternative day if the payment falls on a non-business day (previous or next)
    • next payment date (within a 12 month period)
    • final payment date (within a 12 month period).

For Group payments you can modify the following information:

• description of transfer
• payment type - payment or salary
• BSB number
• account number
• description to payee
• amount
• timing:
  • current payment date
  • future payment date
  • recurring transfer
    • frequency
    • day 
    • alternative day if the payment falls on a non-business day (previous or next)
    • next payment date (within a 12 month period)
    • final payment date (within a 12 month period)
    • pay until further notice (default).

For Telegraphic transfer payments you can modify the following information:

• amount
• account name
• BSB number
• account number
• description to payee
• payment method for Telegraphic Transfer fee
• contact name
• daytime contact number
• mobile number.

Please note that you cannot modify a same day payment that has been fully authorised and that any modifications to a future dated payment will require the payment to be authorised again.

Uploading ABA files

• How to guide: How to upload direct entry files 
• Use the Uploads page to upload Australian Banking Association (.aba) standard direct entry files. ABA files are industry standard files and must be created using independent software.
• You will be unable to upload any file/s if you do not have sufficient account access.
• You have the ability to select the payment date for ABA files you upload. Files can be processed on the current payment date or a future payment date that you nominate. If you select a future payment date, the file will not be processed until the nominated payment date is reached.
• The selected payment date will be applied to all of the files included in the upload. Different payment dates cannot be selected for different files included as part of the same upload. If you would like to process files on different dates a separate upload will need to be created for the individual file or groups of files.
• Future dated uploads are once-only payments that can be future dated for up to 12 months from the upload date.
• Current payment date and future dated uploads will remain visible in Pending Authorisation and Audit List for five business days from the set payment date, after which the status will change to Expired. (See payment statuses ).

Upload process

1. From the navigation tool bar click the Transfers & Payments tab.
2. From the navigation tool bar click the ABA Uploads tab.
3. Select the direct entry (aba) file/s you would like to upload using the Browse buttons. You may select up to 10 files per upload. Files must be in .aba file format:
   • If you wish to restrict view access to the file/s being uploaded you can click the Private check box.
4. Select either a Current payment date or Future payment date. If Future payment date is selected you can either enter a date in the field or use the calendar icon to select a date.
5. To view the details of the file/s that have been uploaded click View details.
6. If you wish to only view the debit and credit totals of the file/s that have been uploaded click View totals. You can also view the file details from here by clicking View details.
7. To upload the selected files click the Upload button. Upload Validation in Progress will be displayed:

• Upload Errors or Upload Warnings may be displayed at this stage of the upload process. If you have upload errors, these will need to be corrected before continuing. If there are warnings, the system will propose the changes that need to be made. To continue you will need to accept these changes.
• If there are no errors and you have accepted the warnings (if any) the Validation List page will be displayed. The file/s are now ready for authorisation.

 Uploading BPAY® files

• How to guide: How to upload BPAY® files
• Use the Uploads page to upload bulk BPAY files. Bulk BPAY files must be created using independent software. Your software provider must have the file specifications enabled.
• You will be unable to upload any file/s if you do not have sufficient account access.
• You have the ability to select the payment date for bulk BPAY files you upload. Files can be processed on the current payment date or a future payment date that you nominate. If you select a future payment date, the file will not be processed until the nominated payment date is reached.
• The selected payment date will be applied to all of the files included in the upload. Different payment dates cannot be selected for different files included as part of the same upload. If you would like to process files on different dates a separate upload will need to be created for the individual file or groups of files.
• Future dated uploads are once-only payments that can be future dated for up to 12 months from the upload date.
• Current payment date and future dated uploads will remain visible in Pending Authorisation for five business days from the set payment date, after which the status will change to Expired. (See payment statuses ).

Upload process

1. From the navigation tool bar click the Transfers & Payments tab.
2. From the navigation tool bar click the Upload tab, select the BPAY Uploads tab.
3. Select the bulk BPAY file/s you would like to upload using the Browse buttons. You may select up to 10 files per upload. Files must be in the bulk BPAY specified file format.
4. Select either a current payment date or future payment date. If future payment date is selected you can either enter a date in the field or use the calendar icon to select a date.
5. To view the details of the file/s that have been uploaded click View details.
6. To upload the selected files click the Upload button. Upload Validation in Progress will be displayed:

• Upload Errors or Upload Warnings may be displayed at this stage of the upload process. If you have upload errors, these will need to be corrected before continuing. If there are warnings, the system will propose the changes that need to be made. To continue you will need to accept these changes.
• If there are no errors and you have accepted the warnings (if any) the Validation List page will be displayed. The file/s are now ready for authorisation.

Authorising files

• Files may be authorised from the Validation List or Pending Authorisation  (Uploads tab).
• You will be unable to authorise any file/s if you do not have the required access.
• Payments authorised after 6:30pm (AEST/AEDT), where a Current payment date has been selected will not be processed until the following business day.
• Once a file has been fully authorised it cannot be deleted or stopped.

To authorise files from the Validation List page:

1. Select the file/s you wish to authorise by selecting the check box located on the left hand side of the Validation List. To select all of the files from the list click the check box next to Payment date.
2. Enter your Macquarie Access Code (MAC) and Password in the spaces provided.
3. Click the  Authorise button. 
4. A Confirmation Page will be displayed indicating failures and successes. 

• How to guide: How to authorise pending transactions
• Payments in the Pending Authorisation page are divided into Payments, ABA Uploads and BPAY® Uploads.
• Payees in Pending Authorisation appear on the Payees tab.
• You can use Pending Authorisation to:
  • Authorise payments and payees.
  • View details of payments created and not yet fully authorised or expired.
  • View your Daily Payment Authorisation Limit (if you have one) - see Daily Payment Authorisation Limit for more information.
  • Modify payments that are yet to be fully authorised. Uploads cannot be modified from Pending Authorisation.
  • Delete payments that are yet to be fully authorised. Uploads can be deleted from Pending Authorisation - Uploads tab.
  • Once a file has been fully authorised it cannot be deleted or stopped.
• Payments will require either sole or dual authorisation.
• Payees only require a single authorisation. A user with either sole or dual authorisation can authorise payee changes.
• Payments requiring authorisation will appear in the Payments tab. Uploaded files requiring authorisation will appear in either the ABA or BPAY Upload tabs.
• Unauthorised or Partially Authorised payments:
  • Payments will remain visible in Pending Authorisation for five business days from the set payment date, after which the status will change to Expired. This is regardless of whether the payment date is the current day or a date in the future. (See payment statuses )
  • Where applicable, the five business day period includes the payment date.
  • Payments that have expired will need to be re-created and fully authorised.
  • Payments in a status of Expired will only appear in the Audit List.
• Pending MBL Auth payments:
  • Payments in Pending MBL Auth will remain visible in the Pending Authorisation page until 6:30pm (AEST/AEDT) on the current business day, after which the payment  status will change to Expired if no MBL Authorisation is received. You will need to contact Client Support for payments with a status of Pending MBL Authorisation.
  • Upload files (ABA or BPAY) in Pending MBL Auth will remain visible in the Pending Authorisation page until 6:30pm (AEST/AEDT) the next business day, after which the file status will change to Expired if no MBL Authorisation is received. You will need to contact Client Support for payments with a status of MBL Authorisation.
• Unauthorised payees:
  • Payees will remain visible in Pending Authorisation for six business days from the creation date, after which the status will change to Expired.
  • Where applicable, the six business day period includes the creation date.
  • New payees that have expired will need to be re-created and fully authorised.
  • Modified payees that have expired will need to be re-modified and fully authorised.
  • Payees in a status of Expired will only appear on the Audit List.
  • Payees must be authorised before they will appear on your payee list for use in payments.

To authorise payments:

1. From the navigation tool bar click the Transfers & Payments tab.
2. From the navigation tool bar click the Pending Authorisation tab.
3. From the navigation tool bar the Payments tab will appear by default.
4. Select the payment you wish to authorise by clicking the check box next to the payment. More than one payment may be selected.
   • You may also View details, Modify or Delete payments from the Payments tab.
5. Enter your Macquarie Access Code (MAC) and Password in the spaces provided.
6. Click the Authorise button.
7. A Confirmation Page will be displayed.

Once a payment has been fully authorised, it cannot be deleted or stopped.

To authorise payees:

If a payee has been created or the BSB and/or account number of an existing payee has been modified as part of a Funds Transfer or Group Payment, the payee is authorised as part of the payment.

If a payee has been created or the BSB and/or account number of an existing payee has been modified outside of a payment, you can authorise them separately.

1. From the navigation tool bar click the Transfers & Payments tab.
2. From the navigation tool bar click the Pending Authorisation  tab.
3. From the navigation tool bar click the Payees tab.
4. Select the payee/s you wish to authorise, click the check box  next to the payee located on the left hand side of the Payees tab page. More than one payee may be selected.
   • You may also View details, Modify or Delete payees from the Payees tab.
5. To authorise the selected payee/s enter your Macquarie Access Code (MAC) and Password in the spaces provided, click the Authorise button.
6. A Confirmation Page  will be displayed.
7. To print the confirmation click the Print button.

To authorise uploads:

1. From the navigation tool bar click the Transfers & Payments tab.
2. From the navigation tool bar click the Pending Authorisation  tab.
3. From the navigation tool bar click the Uploads tab.
4. Select the upload/s you wish to authorise, click the check box  next to the upload located on the left hand side of the Uploads tab page. More than one upload may be selected.
   • You may also View details or Delete uploads from the Uploads tab.
5. To authorise the selected upload/s enter your Macquarie Access Code (MAC) and Password in the spaces provided, click the Authorise button. Upload Authorisation in Progress will be displayed.
6. A Confirmation Page  will be displayed. Note: the uploaded file/s may require additional authorisation. (See statuses)
7. To print the confirmation click the Print button.

MBL authorisation

At the time of authorising, some payments will be returned with a message asking you to contact your Relationship Manager. Please note at this stage the payment has not been processed.

It is also recommended to check the Pending Authorisation on days that payments are due. Some payments (e.g. future dated or recurring payments) may not have passed our system checks and are listed in the Pending Authorisation with a status of Pending MBL Auth. Please contact Client Support or your Relationship Manager to discuss these payments.

• Payments will expire at 6:30pm (AEST/AEDT) of the current business day, after which the payment status will change to Expired if no MBL Authorisation is received. You will need to contact Client Support for payments with a status of Pending MBL Authorisation.
• Upload files (ABA or BPAY) will expire at 6:30pm (AEST/AEDT) the next business day, after which the file status will change to Expired if no MBL Authorisation is received. You will need to contact Client Support for payments with a status of Pending MBL Authorisation.

To view details of a payment:

1. Select the payment you wish to view, click the check box next to the payment located on the left hand side of the Pending Authorisation page.
2. Click the View details button.
   • Only one payment at a time can be viewed.
3. To return to Pending Authorisation click the Back button.
4. To print the payment detail, click the Print button.

To modify a payment:

1. Select the payment you wish to modify by clicking the check box located to the left of the specific payment in the Pending Authorisation.
2. Click the Modify button.
   • Only one payment at a time can be modified.
3. Enter the changes and click the Save button.
   • Please note, if you click Save without amending any fields, the payment will still need to be authorised again.
4. To return to Pending Authorisation click the Back  button.

To delete payment/s:

1. Select the payment/s you wish to delete by clicking the check box next to the specific payment in the Pending Authorisation. You can select multiple payments to delete.
2. Click the Delete button.
3. A warning will be displayed. To continue with the deletion of the selected payment/s click the Yes button. To cancel the deletion and return to the Pending Authorisation, click the No button.

To view any associated upload warnings:

1. Click the status link in the Status column. There are a number of different statuses which may be displayed.
2. To print the warning/s click the Print button.  

• You can use Payment List to:
  • view details of fully authorised payment/s that are to be paid today or are awaiting processing.
  • modify payment/s that are future dated or recurring. Uploads cannot be modified from Payment List.
  • delete payment/s that are future dated or recurring.
  • if applicable, view any associated warnings for payment/s created today.
• Once a payment has been fully authorised it cannot be deleted or stopped. Only future dated or recurring payments may be modified or deleted.
• Only one payment may be selected when viewing or modifying the details of a payment.
• Multiple payments may be selected when deleting payments.
• Once a payment has been processed, it is removed from the Payment List and details of the payment can be viewed in the Audit List.

1. From the navigation tool bar click the Transfers & Payments tab.
2. From the navigation tool bar click the Payment List tab.
   • You can use the sort arrows to change the sorting of the Payment List.

To view details of a payment

1. Select the payment you wish to view, click the check box next to the payment located on the left hand side of the Payment List page.
2. Click the View details button.
   • Only one payment at a time can be viewed.
3. To return to Payment List click the Back button.
4. To print the payment details click the Print button.

To modify a payment

1. Select the payment you wish to modify by clicking the check box next to the payment located on the left hand side of the Payment List page.
2. Click the Modify button.
   • Only one payment at a time can be modified.
3. To save the changes click the Save button.
   • Please note, if you click Save without amending any fields, the payment will still need to be authorised again.
4. To return to Payment List click the Back button.

To delete payment/s

1. Select the payment/s you wish to delete by clicking the check box next to the payment located on the left hand side of the Payment List page. More than one payment may be selected
2. Click the Delete button.
3. A warning will be displayed. To continue with the deletion of the selected payment/s click the Yes button. To cancel the deletion and return to the Payment List, click the No button.

To view any associated upload warnings:

1. Click the status link in the Status column. There are a number of different statuses which may be displayed.
2. To print the warning/s click the Print button. 
3. To return to Payment List click the Back button.

• You can use Audit List to view all of your current and historical payments. Historical payments may be viewed for up to 45 days.
• From Audit List you can also view payment details, any associated warnings (uploads only) and different Audit statuses for Payments and Uploads.
• You can not authorise, modify or delete payments from the Audit List. To do either of these use Pending Authorisation or the Payment List.

1. From the navigation tool bar click the Transfers and Payments tab.
2. From the navigation tool bar click the Audit List tab.
3. Enter the date period of the payment/s you would like to view in the format dd/mm/yy:
   • Active Banking defaults the “from” date to seven days prior to today’s date and “to” date to today’s date.
4. Click the Go button:
   • Use the ascending or descending functionality to change the sort of the Audit List.
   • Use the navigation functionality to navigate through the Audit List.  
5. To expand or collapse the payment history click the + symbol on the left hand side next to the date and time.
6. To view totals and payment details click the Payment ID number listed in the Payment ID column:
   • To return to the Audit List click the Back button.
7. To view any associated warnings (uploads only), click the status link listed in the Status column. There are a number of different statuses which may be displayed:
   • To return to the Audit List click the Back button.
   • To print the Warnings page click the Print button.

Overnight Payments

• The online payment cut-off time for Funds Transfers, Group Payments, BPAY® and Uploads is 6:30pm (AEST/AEDT).
• Funds Transfers, Group Payments, BPAY® and Uploads fully authorised before 6:30pm (AEST/AEDT) Monday to Friday will be available to recipients no later than the next business day. Authorisations after this time will be credited within two business days. Payments made on weekends or national public holidays will be credited within two business days.

Telegraphic Transfers and Bank Cheque Requests

• The Active Banking cut-off time for Telegraphic Transfers and Bank Cheque Requests is 3:00pm (AEST/AEDT).
• Telegraphic Transfers fully authorised before 3:00pm (AEST/AEDT) Monday to Friday will be credited to recipients on the same business day.  Authorisations that occur after this time will be credited the following business day.
• Bank Cheque Requests fully authorised before 3:00pm (AEST/AEDT) Monday to Friday will be processed on the same business day. Requests authorised after this time will be processed the following business day.

Active Banking Account Opening and Closure Requests

• The online cut-off time for account opening and closure requests is 3:00pm (AEST/AEDT).
• Account opening and closure requests submitted before 3:00pm (AEST/AEDT) Monday to Friday will be actioned on the same business day. Account opening and closure requests received after this time will be actioned on the following business day. Account opening and closure requests made on weekends or national public holidays will be actioned on the next business day.
• Authorisation of account closure requests containing multiple transactions is not permitted after 3:00pm (AEST/AEDT) as additional interest may accrue on the account overnight. If additional interest has accrued overnight the closure request will need to be modified and the distribution amounts amended to incorporate the additional interest. The request will then need to authorised and submitted prior to 3.00pm (AEST/AEDT).

BPAY® Registered to BPAY Pty Ltd ABN 69 079 137 518

• How to guide: How to request a bank cheque
• NOTE: Queensland Law Society clients should not submit bank cheque requests online. Please continue to use the form available from the Forms page.

How to request a bank cheque 

1. Select Transfers & Payments.
2. Select the account you want to fund the cheques from, and then click Bank cheque.
3. Choose either single or multiple bank cheques.
4. Enter the payee name and amount for each cheque. The fee for each cheque is automatically displayed. 
5. Choose a delivery method. Select Delivery address from the drop down menu to have the cheque(s) express posted to the address you enter, or Hold for collection to pick up the cheque(s) from a Macquarie Bank branch.
   • If you select Hold for collection, you have the option to choose a date and time for collection.
6. If needed, enter any additional information for the request in the Special instructions field. 
7. Select how you want the bank cheque fees to be paid.
8. Enter Contact details then click Save.
9. The Bank Cheque Pending Authorisation page will display. From this page you can Authorise the bank cheque request if you have access, Modify the request or Delete the request. You can also Create new payment, which is in addition to the bank cheque request that you have just created.

• If you wish to authorise the bank cheque request at a later date, or the request needs dual authorisation, find it on the Pending Authorisation page under the Payments tab.
• You can modify a bank cheque request that has not been submitted for processing. If you modify a bank cheque request with a status of partially authorised the request will need to be re-authorised. 

Hold for collection addresses

Adelaide
151 Pirie Street
Adelaide SA 5000

Brisbane
Level 16a
345 Queen Street
Brisbane QLD 4000

Canberra 
Level 7 Canberra House
40 Marcus Clarke Street
Canberra ACT 2601

Gold Coast
Level 10, Niecon Tower
19 Victoria Avenue
Broadbeach Mall
Broadbeach QLD 4218

Melbourne
Level 23
101 Collins Street
Melbourne VIC 3000

Newcastle
Suite 1 / Level 3
19 Honeysuckle Drive
Newcastle NSW 2300

Perth
Level 3
235 St Georges Terrace
Perth WA 6000

Sydney
1 Shelley Street
Sydney NSW 2000

Western Sydney - Parramatta
Suite 2 / Level 6
9 George Street
Parramatta NSW 2150

• A limit can be set on the value of payments a user can authorise in Active Banking. The limit applied is a daily limit that resets at 12:00am (AEST/AEDT) of the next business day, and is called a Daily Payment Authorisation Limit (DPAL). The DPAL can only be applied to users with Sole or Dual Authorisation access. 
• The DPAL is an optional limit.
• If a user has a DPAL applied, they will be able to see both their DPAL amount and also their Available Daily Payment Authorisation Limit (ADPAL) amount, which is their daily limit less any payments they have authorised today.

How to set a Daily Payment Authorisation Limit (DPAL)

1. To set, change or remove a DPAL for a new or existing Active Banking user, either the Active Banking User Application or Amend Active Banking Access form will need to be completed and submitted by email, fax or post.  The forms are available from the Forms page. 
2. An authorised signatory to the account must sign the form to authorise any addition, change or removal to a DPAL limit.
3. Once the request to add a DPAL has been completed, the user will see an Authorisation Limits panel on all Pending Authorisation pages and on the Pending Authorisation Payments, ABA Uploads, BPAY Uploads and Account Requests tabs.

Using the Daily Payment Authorisation Limit (DPAL)

• If a DPAL has been applied to your Macquarie Access Code (MAC), you will see an Authorisation Limits panel on all Pending Authorisation pages and on the Pending Authorisation Payments, ABA Uploads, BPAY Uploads and Account Requests tabs.

• You will only see the Authorisation Limits panel if you have had a DPAL set for your MAC. If your DPAL is removed, you will no longer see the Authorisation Limits panel
• All payment types are included in the calculation of the Available Daily Payment Authorisation Limit (ADPAL) figure.
• On the Pending Authorisation page that lists all payments pending authorisation, the ADPAL figure will dynamically update as payments are selected or deselected. If you select payments that total more than your daily limit, the ADPAL figure will turn red. You will not be able to authorise any payments until the payments selected are within your ADPAL.
• If a payment or file requires Dual Authorisation, the full payment or file value will be deducted from your DPAL, and the full payment value will also be deducted from the second authoriser's DPAL.
• If you have reached your limit for the day or have an insufficient ADPAL amount available to continue to authorise payments, you have the following options:
  • Wait until after 12:00am (AEST/AEDT) the next business day to authorise the payments. You have up to five business days from the set payment date to authorise payments.
  • Find another Active Banking user with authorise access to authorise the payments.
• If the DPAL set for you continues to be insufficient for the value of transactions you normally process, the DPAL can be changed. An authorised signatory to the account will need to complete, sign and submit by email, fax or post the Amend Active Banking Access form which is available from the Forms page.

1. From the navigation toolbar, select Open & Manage Accounts and click on Cheque Stops, which opens the Select Account screen.
2. From the account list select the account from which the cheque was drawn and select View cheque stops.
3. You can search for a cheque stop by using the search toolbar or by sorting the columns using the arrow buttons.

1. To modify details of a cheque stop, select the cheque stop from the above list and click Modify.
2. The following details may be modified:
   • Date written
   • Payee
   • Amount

1. From the navigation toolbar, select Open & Manage Accounts and click on Cheque Stops, which opens the Select Account screen.
2. From the account list select the account from which the cheque was drawn that you wish to stop and select Create Cheque Stop.
3. Enter the following details:
   • Cheque Number (mandatory)
   • Date written
   • Payee
   • Amount
4. Select Save.
5. You will be presented with the Cheque Stop Confirmation screen, which you can print for your records.

1. Select DEFT References from the navigation toolbar, which opens the Select Account screen.
2. From the account list select the account you wish to order DEFT Reference Number for and click Order DEFT reference numbers.
3. Indicate how many DEFT reference numbers you would like ordered and select Save.
4. You will be presented with a Confirmation of Order page which you can print for your records.

Some business software packages use the Primary and/or Secondary ID to reconcile their accounts.

Please note, if no Primary ID is supplied, your download file will use the DEFT reference number as the primary ID.

1. Select DEFT References from the navigation toolbar, which opens the Select Account screen.
2. From the account list select the account and click Maintain DEFT reference numbers.
3. Enter the DEFT reference number and the relevant Primary and/or Secondary ID and select Save. Note: Should you require additional rows to maintain more DEFT  reference numbers on the same page you can choose to Add more rows prior to selecting Save.
4. You will be presented with a DEFT Reference Number Confirmation page which you can print for your records.

You may choose to export a list of DEFT Reference numbers linked to a particular account.

1. Select DEFT References from the navigation toolbar, which opens the Select Account screen.
2. From the account list select the account and click Export DEFT reference numbers.
3. The information will be produced in a .csv file format which will contain the following information for each DEFT reference number linked to the particular account:
   • Account number - The account number that the DEFT reference number is linked to.
   • Account name - The account name that the DEFT reference number is linked to.
   • DEFT reference number - The DEFT reference number in question.
   • Primary ID - The Primary ID of the DEFT reference number. If there is no Primary ID this field will be blank.
   • Secondary ID - The Secondary ID of the DEFT reference number. If there is no Secondary ID this field will be blank.
   • Date last modified - The date of the most recent amendment to the DEFT reference number.
   • Last modified by - The Macquarie Access Code of the last user to amend DEFT reference number details. 

If you are having trouble with this function, please ensure your internet browser security settings are set up to allow this function.

To generate a one-time password: 

1. Turn on your Active Banking password token by pressing the  button. Four dashes are displayed on the screen

2. Enter the token PIN using the numeric keypad. A token PIN will have been provided to you, so you will need to enter this PIN. If you have subsequently changed your PIN, enter the PIN you picked

3. The one-time password number is displayed on the screen. Enter this number into the calculator password field on the authorisation page in Active Banking. 

• When you are provided with authorisation access to Active Banking, you are issued with a token PIN. This is used in conjunction with the password token to generate a one-time password
• You also have the option of changing the initial PIN provided to a PIN that you are familiar with or may be easier for you to remember
• To change the token PIN you will still need the initial PIN that was provided to you
• Note: please ensure you memorise your token PIN and don’t share the PIN with anyone. Your PIN must remain confidential.

To change the token PIN:

1. Turn on your Active Banking password token by pressing the  button. Four dashes are displayed on the screen
2. Enter the current token PIN
3. Press and hold the  button for approximately two seconds. You will be prompted to enter a new PIN
4. Enter your new four digit PIN. You will be prompted to re-enter the new PIN again
5. Re-enter the same four digit PIN to confirm the new PIN. Your PIN has been updated and should be used when generating a one-time password.

Security measures brochure

• You can use My Details and Preferences to update your contact details and preferences or change your Active Banking password.

• Make sure you enter or update your mobile number. If you have an Australian mobile number recorded here, it will allow you to reset your password online if ever you forget it. Read more about Forgotten password.

Update Your Contact Details / Preferences

1. Click My Details and Preferences.

2. Amend your details or personal preferences as required. You have the ability to:-

   1. Update or add your email address.

   2. Update or add your Daytime Contact Number.

   3. Update or add your Mobile Number.

   4. Update your Preferred Contact method. Select either Email, Phone or Mobile.

   5. Select your preferred Start page. Each time you login to Active Banking, your preferred start page will be displayed.

   6. Select the preferred number of items that you would like displayed when carrying out certain enquiries. You may select from 5, 10, 20, 50, 75 or 100 items which will apply to enquiries on Transaction List and Account List.

3. Click the Save button to save your changes.

Change Your Password

1. Click My Details and Preferences.

2. Click the Change Password button.

3. Enter your current password in the space provided next to Current Password. Passwords are case sensitive and must be 6 to 8 characters in length and should not be the same as your previous password.

4. Enter your new password in the space provided next to New Password.

5. Re-enter your new password in the space provided next to the Confirm New Password.

6. Click the Login button.

Please refer to the Product Disclosure Statement for a complete listing of all fees and charges

To ensure the best possible experience when using Active Banking, the following information may assist with resolving some common issues that may occur.

Optimum browser versions

• Internet Explorer (IE) v9 or above
• Chrome latest version (at least v41 or above)
• Safari latest version (at least v7 or above)
• Firefox latest version (at least v37 or above)

Optimum browser settings

Active Banking uses 'pop-ups' to enable the downloading of transaction files (download files) and statements.  Some internet browsers block pop-ups to protect users from unwanted pop-ups.

In addition, Active Banking uses code called 'JavaScript' throughout the site to perform various functions. Depending on your security settings, your internet browser may block this script from running – resulting in Active Banking not displaying or functioning correctly.

To address these issues please refer to the below set of optimum settings for your browser. Please note that the changes suggested here will only affect the levels of access to and from the Macquarie websites. It will not affect any security settings or access to and from other sites.

• Pop-ups enabled (if pop-ups are blocked, turn off any pop-up blocker for the site 'www.macquarie.com.au')
• JavaScript enabled (if not enabled, the option to enable is usually found in the tools or settings area for your browser)
• Both 'www.macquarie.com.au' and 'secure.macquarie.com.au' are added to your browser's list of 'allowed sites' or 'trusted sites'. This reduces risk of errors.

Troubleshooting

Browsers often 'cache' content so that they can present the same information quickly on subsequent occasions instead of re-loading the information each time. This can sometimes cause issues with opening transaction files and statements. If you have such issues, clearing the cache can be a solution.

The steps to clear cache can vary slightly depending on the type and version of browser you have. Find the 'Help' or '?' in your browser menu and search for 'clear cache'. Follow the steps given.