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ple-pay-and-google-pay/apple-pay-setup-and-cards.html</loc><lastmod>2026-01-19T04:28:52.902Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/apple-pay-and-google-pay/apple-pay-payments-and-returns.html</loc><lastmod>2025-03-06T02:52:36.293Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/apple-pay-and-google-pay/Google-Pay-setup-and-cards.html</loc><lastmod>2025-03-06T02:52:59.329Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/apple-pay-and-google-pay/apple-pay-and-google-pay.html</loc><lastmod>2025-03-06T02:53:20.155Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/apple-pay-and-google-pay/manage-devices-that-have-access-to-your-accounts.html</loc><lastmod>2025-07-11T01:27:19.048Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/egift-cards.html</loc><lastmod>2025-07-25T06:06:08.729Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/egift-cards/buy-an-eGift-card-on-Macquarie-Marketplace.html</loc><lastmod>2025-07-17T06:34:38.741Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/egift-cards/view-spend-or-archive-purchased-eGift-cards.html</loc><lastmod>2025-03-06T02:54:36.905Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payid.html</loc><lastmod>2025-07-25T06:06:26.775Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payid/What-is-PayID-and-how-it-works.html</loc><lastmod>2025-08-07T00:50:37.502Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payid/How-to-send-and-receive-PayID-payments.html</loc><lastmod>2025-07-23T01:52:56.5Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payid/Launching-real-time-payments-on-the-cma.html</loc><lastmod>2025-07-24T04:36:47.983Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payid/setting-up-or-closing-a-payid.html</loc><lastmod>2025-07-10T04:25:28.706Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers.html</loc><lastmod>2025-07-25T06:06:43.879Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/confirmation-of-payee.html</loc><lastmod>2025-09-01T06:43:55.481Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/understanding-cryptocurrency-payments.html</loc><lastmod>2025-07-08T05:46:38.233Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/what-is-a-pending-transaction.html</loc><lastmod>2025-03-06T03:01:51.874Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/What-is-DEFT-Auction-Pay-and-how-it-works.html</loc><lastmod>2025-03-06T03:02:10.702Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/What-are-Adviser-Initiated-Payments.html</loc><lastmod>2025-09-15T06:55:56.749Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/manage-your-payee-and-biller-list.html</loc><lastmod>2025-08-07T06:13:06.992Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html</loc><lastmod>2026-07-07T07:45:26.217Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/why-has-my-payment-been-denied.html</loc><lastmod>2025-03-06T03:05:33.293Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/why-has-my-card-transaction-been-declined.html</loc><lastmod>2025-09-18T01:25:25.428Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-a-payment-or-transfer-from-your-transaction-or-savings-account.html</loc><lastmod>2026-05-18T05:55:15.894Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/cut-off-and-processing-times-for-payments-and-transfers.html</loc><lastmod>2026-03-02T05:26:59.075Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/managing-your-scheduled-payments-and-direct-debits.html</loc><lastmod>2025-03-06T03:13:48.34Z</last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ount-info-and-profile/client-preferences/update-payee-or-biller-on-adviser-online.html</loc><lastmod>2025-05-21T22:18:05.523Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/client-preferences/turn-off-cash-management-account-push-notifications.html</loc><lastmod>2025-05-22T02:43:25.94Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/find-and-link-accounts.html</loc><lastmod>2025-05-22T08:34:25.278Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/find-and-link-accounts/link-a-margin-loan-to-a-wrap-investment-account-or-cma.html</loc><lastmod>2025-05-21T12:01:17.265Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/authority-to-access-client-accounts.html</loc><lastmod>2025-05-22T08:30:44.3Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/authority-to-access-client-accounts/third-party-authority-to-access-client-accounts.html</loc><lastmod>2025-05-21T10:45:09.899Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/authority-to-access-client-accounts/enquiry-authority-and-how-it-works.html</loc><lastmod>2025-05-21T10:44:59.04Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/authority-to-access-client-accounts/authority-to-perform-actions-on-my-clients-accelerator-account.html</loc><lastmod>2025-05-21T10:44:29.245Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/account-info-and-profile/authority-to-access-client-accounts/view-client-correspondence.html</loc><lastmod>2025-05-22T01:28:33.394Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers.html</loc><lastmod>2025-05-22T02:15:36.326Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers.html</loc><lastmod>2025-05-22T08:38:48.892Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/transfer-into-super-and-pension-accounts-from-an-external-source-rollover.html</loc><lastmod>2025-05-22T02:29:34.384Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/internal-transfers-between-macquarie-wrap-accounts.html</loc><lastmod>2025-05-22T02:25:31.649Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/internal-transfer-of-seperately-managed-accounts-assets.html</loc><lastmod>2025-05-21T12:15:12.433Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/transfer-into-investment-accounts-from-external-source.html</loc><lastmod>2025-05-22T02:30:28.209Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/transfer-out-of-an-investment-account-to-an-external-source.html</loc><lastmod>2025-05-22T02:31:19.053Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/how-long-does-an-asset-transfer-take.html</loc><lastmod>2025-05-22T00:19:16.507Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/glossary-of-asset-transfer-terms.html</loc><lastmod>2025-05-22T02:59:58.688Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/requirements-to-transfer-assets-in-or-out-of-my-clients-macquarie-wrap-account.html</loc><lastmod>2025-05-22T03:01:09.772Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/transfer-into-super-and-pension-accounts-from-an-external-source-as-a-contribution.html</loc><lastmod>2025-05-22T02:29:34.378Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/manage-asset-transfers/transfer-suspended-delisted-or-terminating-assets.html</loc><lastmod>2025-05-22T02:32:05.191Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/transferring-assets-in-and-out.html</loc><lastmod>2025-05-22T02:15:36.326Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/transferring-assets-in-and-out/transferring-in-broker-sponsored-securities-to-idps.html</loc><lastmod>2025-05-20T22:28:23.903Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/transferring-assets-in-and-out/transferring-in-issuer-sponsored-securities-to-idps.html</loc><lastmod>2025-05-20T22:28:23.902Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/asset-transfers/transferring-assets-in-and-out/transferring-in-broker-sponsored-securities-from-an-external-platform-or-custodian.html</loc><lastmod>2025-07-15T23:14:27.287Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers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hority/managing-third-party-authority-on-client-accounts.html</loc><lastmod>2025-05-21T21:24:10.479Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/third-party-authority/managing-third-party-authority-on-client-accounts/becoming-a-servicing-adviser-and-transferring-clients.html</loc><lastmod>2026-07-03T03:59:07.322Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/third-party-authority/managing-third-party-authority-on-client-accounts/understanding-third-party-authority-for-fsps-and-fscs.html</loc><lastmod>2026-04-21T06:07:48.08Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/third-party-authority/managing-third-party-authority-on-client-accounts/understanding-power-of-attorney.html</loc><lastmod>2025-07-03T00:17:22.288Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/third-party-authority/managing-third-party-authority-on-client-accounts/changing-signatory-on-an-account.html</loc><lastmod>2026-06-23T06:25:04.429Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/third-party-authority/managing-third-party-authority-on-client-accounts/understanding-third-party-authority-for-individuals.html</loc><lastmod>2025-11-28T05:18:25.801Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online.html</loc><lastmod>2025-05-21T21:44:31.291Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/accessing-and-using-adviser-online.html</loc><lastmod>2025-05-21T21:43:59.707Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/accessing-and-using-adviser-online/accessing-and-navigating-adviser-online.html</loc><lastmod>2026-07-27T04:50:00.493Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/accessing-and-using-adviser-online/managing-security-settings-in-adviser-online.html</loc><lastmod>2025-11-09T23:00:20.751Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/accessing-and-using-adviser-online/using-esi-codes-and-data-feeds.html</loc><lastmod>2026-04-21T06:05:02.266Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/accessing-and-using-adviser-online/submitting-requests-that-cant-be-completed-digitally.html</loc><lastmod>2025-08-18T03:19:44.721Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/accessing-and-using-adviser-online/using-adviser-request-centre.html</loc><lastmod>2025-11-10T04:20:04.909Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/accessing-and-using-adviser-online/understanding-processing-times-for-adviser-requests.html</loc><lastmod>2025-07-01T01:36:01.68Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/getting-support-in-adviser-online.html</loc><lastmod>2025-05-21T21:44:21.336Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/getting-support-in-adviser-online/using-live-chat-in-adviser-online.html</loc><lastmod>2026-02-16T04:34:43.388Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/adviser-online/getting-support-in-adviser-online/receiving-screen-sharing-assistance.html</loc><lastmod>2025-11-07T00:06:45.895Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator.html</loc><lastmod>2025-05-21T21:49:25.513Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator/macquarie-authenticator-for-advisers.html</loc><lastmod>2025-05-22T02:56:11.789Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator/macquarie-authenticator-for-advisers/understanding-macquarie-authenticator.html</loc><lastmod>2026-02-19T07:36:55.554Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator/macquarie-authenticator-for-advisers/requesting-client-authorisation-via-macquarie-authenticator.html</loc><lastmod>2026-02-19T07:43:21.765Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator/macquarie-authenticator-for-advisers/stop-using-macquarie-authenticator.html</loc><lastmod>2026-02-19T08:17:37.384Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator/macquarie-authenticator-for-your-clients.html</loc><lastmod>2025-05-21T21:51:42.515Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator/macquarie-authenticator-for-your-clients/having-trouble-authorising-via-macquarie-authenticator.html</loc><lastmod>2026-02-19T04:54:59.727Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/macquarie-authenticator/macquarie-authenticator-for-your-clients/preparing-clients-to-use-macquarie-authenticator.html</loc><lastmod>2026-05-12T00:05:21.676Z</lastmod></url><url><loc>https://www.macquarie.com.au/help/advisers/deceased-estates.html</loc><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