Everyday banking with extra perks

Deposit your salary, withdraw cash, pay bills and get access to complimentary benefits.
"I love that there’s no ATM fees"
Biancha

Awarded for outstanding value

Our transaction account has been awarded for outstanding value thanks to features like no international purchase fees and refunds on fees incurred at all ATMs in Australia.

No fees, no deposit conditions

  • No minimum monthly deposit.
  • No international purchase fees*.
  • No transaction fees.
  • No dishonour fees.

Fee free ATMs

  • We won’t charge you ATM fees anywhere in the world.
  • Get free access to any rediATM in Australia and enjoy a refund on fees incurred at all other ATMs in Australia.

Platinum perks

  • Receive?the Mastercard foreign exchange rate, with no additional fees or charges.
  • Access our 24/7 Concierge Service1.

Safe and secure

  • Securely lock and unlock your Platinum Debit Mastercard in the Macquarie Mobile Banking app.
  • Get 90-day theft and damage protection on eligible purchases and stolen wallet protection up to $5002.

More ways to pay

Add your Platinum Debit Mastercard to your mobile or wearable with Apple Pay, Google Pay, Fitbit Pay and Garmin Pay.

A graphic of the awards, shown as badges, that Macquarie’s transaction and savings accounts have won.

Open a multi-award winner

Start using our award-winning Macquarie Transaction and Savings Accounts3.

Shopping discounts

Discounts on eGift cards

Discounts on eGift cards

  • Get discounts of up to 10% on eGift cards to use at over 50 leading retailers across Australia with Macquarie Marketplace.
  • Instantly purchase eGift cards from the palm of your hand and access them 24/7 through your account.
  • Get access to Macquarie Marketplace with your transaction account.
A woman with glasses holding a top in a well lit retail shop
Added security

Protect your account and personal information

Protect your account and personal information

  • The Macquarie Authenticator app provides an extra layer of security that helps protect your account and personal information and is our most secure way to authenticate.
  • It's a mobile app that sends actionable push notifications for you to approve or deny online transactions and account activity. There’s also an option to generate a unique one-time rolling code as an alternative authentication method.
A person in a cafe close up shot of their hand holding a phone with the Macquarie authenticator app open
Budgeting and saving

Tools for budgeting and saving

Tools for budgeting and saving

  • Open a Macquarie Savings Account with just one tap in the app.
  • Get to know your spending. Each time you make a transaction, it’s automatically categorised into groups such as groceries, travel, leisure or technology.
  • Create smart budgets for anything in an instant, then see how you're tracking at a glance and over time.
A hand holding a phone (iPhone X) with the Macquarie app open showing the spending and budgeting feature
Track spending

Transaction notifications

Transaction notifications

  • Get the added security of real time notifications – opt in on your device.
  • Whenever you make a transaction on your Macquarie credit or debit card, you’ll receive a push notification, so you know the correct transaction has been processed either instore or online.
  • For foreign currency transactions, the alert shows the spend amount in local currency and Australian dollars.
Shot from over the shoulder, a person is logged into Macquarie eBanking on their laptop in their living room.
Travel assistance

Digital tools for travelling

Digital tools for travelling

  • When you log into the Macquarie Mobile Banking app at your overseas destination, the Travel Mode feature will reflect your location and the local exchange rate.
  • You’ll also have quick access to our international support contact details.
  • Easily lock and unlock your card in the app if your card is lost or stolen.
View of a Manhattan Downtown street during the day, shot from a high angle.

Rates and fees

The Macquarie Platinum transaction account is our basic low fee account.

Interest rates

Information and interest rates are current as at 25 August 2020 and subject to change.

0.35% pa

See previous interest rates

Account fees

Fee type Fee amount

Online payments

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

Free

Domestic ATM transactions

If you’re charged a fee at a non-rediATM, we’ll refund it to your account.?

Free? ?

International ATM transactions

Check your account balance and withdraw cash where your Debit Mastercard is accepted.

We don’t charge fees to use ATMs overseas. You may be charged a fee by international ATM operators.

International purchases

Card purchases or transactions made or processed outside Australia.

Free
Dishonour fees Free

Bank cheque

Request a bank cheque issued by Macquarie with funds drawn immediately from your Transaction Account.

Bank cheques can be requested by phone or at a Macquarie Branch.

Free

Card and transaction limits

Transaction type Limit
Daily limit for domestic ATM or other cash withdrawals $2,000 daily

Daily limit for purchases made by selecting ‘savings’ or ‘EFTPOS savings’ at EFT Terminals, and / or

Cash out transactions made by selecting ‘savings’ or ‘EFTPOS savings’ at EFT Terminals?

$2,000 daily

Daily Debit Mastercard transaction limit

Purchases made online, by telephone or when selecting ‘Mastercard Debit’, ‘credit’ or ‘CR’ in stores? ??

Up to the available balance of your account
Mastercard contactless limit with no PIN $100 per transaction

Daily Funds Transfer limit

For funds transfers between your Macquarie Accounts available via Electronic Banking there is no daily limit.

$20,000 daily

NPP Payment sub-limit? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ??

This limit operates as a sub-limit of the $20,000 Daily Funds Transfer limit.

?$1,000 daily

Daily BPAY limit

Some billers may impose their own limits.

Up to the available balance of your account

Terms, conditions and documents

Terms and conditions Link
Macquarie transaction and savings accounts terms and conditions View conditions
Macquarie electronic banking terms and conditions View conditions
Macquarie variation notice View conditions
Documents Link
Macquarie platinum benefits Download PDF

How to apply

Open your account in just a few minutes.

Open an account if you:

  • are aged 14 years or older,
  • have a permanent Australian residential address, email and mobile number
  • are an individual or joint applicant.

What happens next

  • Your identity will be veri?ed online securely and your account will be set up instantly
  • We will con?rm your bank account details and Macquarie ID by email

Frequently asked questions

We accept cash deposits into Macquarie Transaction and Savings Accounts.

You can make cash deposits in person at the following Macquarie branches only:
?
  • Brisbane: Level 8, 825?Ann Street, Fortitude Valley, QLD
  • Sydney: 1 Shelley Street, Sydney, NSW
  • Melbourne: Level 32, 80 Collins Street South Tower, Melbourne VIC*
*Our Melbourne retail branch has temporarily closed. The wellbeing of our clients and staff is paramount so to help limit the spread of COVID-19, we have decided to temporarily close our Collins Street branch from Monday 17 August 2020.

These branches are open 8am – 5pm (AEST/AEDT), Monday to Friday (excluding public holidays).
The easiest and most efficient way to receive funds is via EFT transfer into your account. If you need to deposit a cheque, it can be deposited into the following accounts:
?
  • Macquarie Transaction Account
  • Macquarie Savings Account
  • Macquarie Home Loan
  • Macquarie Home Loan Offset Account
  • Macquarie Cash Management Account
  • Macquarie Vision Cash Account
  • Macquarie Consolidator Cash Account.
?
Posting a cheque to us
?
  • Post the cheque/s with a completed deposit slip?to Macquarie Bank Limited, GPO Box 2520, Sydney, NSW 2001.
?
Depositing a cheque at a Macquarie branch
?
You can deposit a cheque by visiting one of our branch locations listed below. These branches are open 8am – 5pm local time, Monday to Friday (excluding public holidays):
?
  • Brisbane: Level 8, 825 Ann Street, Fortitude Valley, QLD
  • Sydney: 1 Shelley Street, Sydney, NSW
  • Melbourne: Level 32, 80 Collins Street South Tower, Melbourne VIC*
*Our Melbourne retail branch has temporarily closed. The wellbeing of our clients and staff is paramount so to help limit the spread of COVID-19, we have decided to temporarily close our Collins Street branch from Monday 17 August 2020.

Depositing a cheque at a NAB branch
?
Deposits at NAB branches are available for the following accounts only:
?
  • Macquarie Cash Management Account
  • Macquarie Consolidator Cash Account.
?
Please note:
?
  • Deposits require a deposit slip from your pre-encoded deposit book. NAB can’t accept hand-printed deposit slips or NAB branch deposit slips
  • Deposit books can be requested by calling us on 1800 806 310 (+61 7 3233 8111), 8am to 7pm (Sydney time) Monday to Friday, or by visiting a Macquarie branch
  • We don’t offer encoded deposit books for our Vision Cash Account. Simply visit a Macquarie branch to deposit cheques or post the cheque with a completed?deposit slip
  • Foreign cheques can be posted to us using our Foreign Currency Cheque Deposit form?or deposited at a Macquarie branch
  • It generally takes three business days for Australian dollar cheques, including bank cheques, to clear.
Funds transfers
?
A daily payment limit of $20,000 applies to online funds transfers and?payments from your Macquarie bank account to another Australian bank account. You can temporarily increase your daily limit to $100,000 by calling us on 133 174 (+61 2 8245 4470), 24/7.

If you have a Macquarie Cash Management Account or Macquarie Consolidator Cash Account, you can nominate an account by calling us on 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday.?Once this is loaded, you can transfer with no daily limit to the nominated account
?
There is no daily limit for electronic banking transfers between your Macquarie accounts.?
?
BPAY?
?
Typically there is no limit on BPAY payments. Please be aware that some billers impose their own limits on the amount that they will accept in a single transaction or day.
?

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

You can’t change the daily ATM withdrawal limit for a Macquarie Debit Mastercard or a Macquarie Cashcard.
The daily ATM withdrawal limit applies for each of these products.
?
Lost or stolen card

If your card is lost or stolen, please let us know right away and we’ll cancel your card to protect your account and send you a replacement card as quickly as possible. In most cases, your new card will arrive in 5-10 business days.

Once you’ve reported your card lost or stolen, the card will be locked and you won’t be able to use it for transactions until you receive and activate your new card. You will need to update your direct debits with your new credit card number. Any additional cardholders on your account can continue using their card.

Call us to report a lost or stolen card and order a new one:
?
  • Debit Mastercard: 133 174 (+61 2 8245 4470), 24/7
  • Cash Card: 1800 800 521 (+61 2 8245 4384), 24/7.
?
Misplaced Debit Mastercard
?
If you misplace your Debit Mastercard or Visa credit card, you can apply a temporary lock on your card to protect your account. This prevents new payments being made on your card, and in some cases may result in existing direct debits or authorised payments to be declined. You’ll need to review all direct debits and authorised payments connected to the account. You can unlock your card at any time.
?
To place a temporary lock on your card in Macquarie Online Banking:
?
  1. Select Accounts?from the side menu; or first click on the??icon in top left-hand corner to display the side menu
  2. Select the account
  3. Select the?Lost or stolen card tab
  4. Toggle to Lock card.
?You can unlock your card by following the steps above and selecting Unlock card.
?
To place a temporary lock on your card in the Macquarie Mobile Banking app:
?
  1. Select the card icon in the left side menu
  2. Scroll to the relevant card account
  3. Select Lock card
  4. Select Lock on the pop-up message.
You will need to add your new card to Apple Pay or Google Pay once you receive it.
?
If your card is lost or stolen, please let us know right away and we’ll cancel your card to protect your account.
?
Misplaced Cashcard
?
If you misplace your Cashcard, call us on 1800 800 521 (+61 2 8245 4384), 24/7.
?
If your card is lost or stolen, please let us know right away and we’ll cancel your card to protect your account. In most cases, your new card will arrive in 3–5 business days.
Please contact us to close your account:
?
  • Macquarie Cash Management Account: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday or send in a signed request to?transact@macquarie.com
?
  • Macquarie Consolidator Cash Account: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday or send in a signed request to?transact@macquarie.com
?
  • All other bank accounts: 133 174 (+61 2 8245 4470), 24/7
?
  • Macquarie Credit Card: 1300 150 300 (+61 2 8232 1684) or via Macquarie Online banking, 24/7, by following the below steps:
?
  1. Click on your credit card account
  2. Select Account Details?at the top of the screen
  3. Select Close Account. This appears on the right of the screen next to Account Summary.
???????
  • Macquarie Home Loan: 1800 007 722 (+61 2 8245 4383), 8.30am to 5.30pm (AEST/ADST) Monday to Friday
?
  • Macquarie Wrap: Please contact your financial adviser for assistance. Your adviser will need to cancel any automated plans that you may have in place
? ?
?

At Macquarie, we empower people to innovate and invest for a better future.

We take our obligations as a responsible lender and a signatory to the Banking Code of Practice seriously, and we’re proud to?reward our savers and borrowers with award-winning products including great rates, choice and an exceptional experience.??

Deposits held by Macquarie Bank?support?our lending to Australian households?and businesses, including home loans, vehicle loans and loans to support local small to medium sized businesses.

Macquarie’s environmental, social and governance (ESG) commitment reflects our responsibility to our clients, shareholders and the communities in which we operate.

"I love the [push] notifications that tell you how much you've spent and when people deposit money."

Biancha

Contact us

24 hours a day, 7 days a week

13 31 74

Open an account

Open a transaction account and savings account in just a few minutes.

Help and support

Visit our online?Help Centre.

?

Additional information

This information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, ?nancial situation or needs. You should consider whether it is appropriate for you.

Government Guarantee: The Australian Government guarantees aggregated deposits with Australian authorised deposit-taking institutions, including Macquarie Bank, of up to $A250,000. In September 2011 the Australian Government announced a number of changes to the Financial Claims Scheme (Government Guarantee). From 1 February 2012, a guarantee cap of $250,000 per account holder per institution will apply, subject to the continued advice of financial regulators that this remains appropriate. Further information about the Government Guarantee can be obtained from the APRA website at www.fcs.gov.au

Macquarie transaction and savings accounts are issued by MBL.

*

We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.

Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Pay, Google Chrome and the Google Logo are trademarks of Google LLC.

Fitbit, Fitbit Pay and the Fitbit Pay logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Garmin, Garmin Pay and the Garmin Pay logo are all trademarks of Garmin Ltd. or its subsidiaries, registered in the USA and other countries.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

We don’t charge any fees in connection with our transaction and savings account products but others, such as other financial institutions, may. We will refund fees charged to you by domestic ATM operators in connection with domestic ATM transactions, but you’ll need to pay any other fee that you’re charged.

1

Concierge Services are provided by Aspire Lifestyles (Australia) Pty Ltd. Accessing concierge services is free but you must pay for the goods or services that you purchase through the service.

2

Wallet Guard and Purchase Security Cover are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687) (Chubb) and are subject to the terms, conditions, excesses and exclusions contained in the Card Insurance Master Policy between Macquarie Bank and Chubb. This information does not take into account your objectives, financial situation or needs. It is important for you to read the Macquarie platinum benefits and consider the appropriateness of the insurances in relation to your individual requirements.

3

Our debit card is 5-star Canstar rated for Outstanding Value Travel Debit Card for 2019/2020.

成网站人电影亚洲国产在线,亚洲亚洲人成综合网站图片,亚洲一日韩欧美中文字幕在线