Macquarie Bank Limited
Every product Macquarie Bank Limited publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 6 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
- Australian credit licence and AFS licence 237502, held by Macquarie Bank Limited; credit licence since 24 December 2010. ASIC register
21 products in 7 categories
Macquarie Bank Limited's rates today
Macquarie Bank Limited's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Macquarie Bank Limited sits among every institution's best
| Rate | Macquarie Bank Limited | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.34%Macquarie Basic Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.64%Macquarie Basic Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 4.60%Macquarie Savings Account | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.40%Macquarie Digital Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 15.95%Macquarie Ratesaver Card | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 4.40%Macquarie Business Savings Account | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
Macquarie Bank Limited home loan repayments
Repayments at Macquarie Bank Limited's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableMacquarie Basic Home Loan6.34%6.36% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
- 1-year fixedMacquarie Basic Home Loan6.54%6.39% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
- 2-year fixedMacquarie Basic Home Loan6.64%6.42% comparison$3,848a month
$785,215 in interest, $1,385,215 repaid in all
- 3-year fixedMacquarie Basic Home Loan6.64%6.45% comparison$3,848a month
$785,215 in interest, $1,385,215 repaid in all
- 5-year fixedMacquarie Basic Home Loan6.69%6.52% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
- Investor variableMacquarie Basic Home Loan6.49%6.52% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Macquarie Bank Limited's own calculator: confirm the rate with Macquarie Bank Limited before you apply.
Macquarie Bank Limited home loan rates
Compare across banks2 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.36%, on its Macquarie Basic Home Loan: 39th lowest of 104 lenders, level with 10 others.
- Macquarie Basic Home Loan
- Variable (owner occ. P&I)
- 6.29%, 6.31% comparison
- Variable (investor P&I)
- 6.39%
- Fixed
- 1 yr 6.49%, 2 yrs 6.59%, 3 yrs 6.59%, 4 yrs 6.64%, 5 yrs 6.64%
- Macquarie Offset Home Loan
- Variable (owner occ. P&I)
- 6.29%, 6.54% comparison
- Variable (investor P&I)
- 6.39%
- Fixed
- 1 yr 6.49%, 2 yrs 6.59%, 3 yrs 6.59%, 4 yrs 6.64%, 5 yrs 6.64%
Macquarie Bank Limited savings and transaction account rates
Compare across banks7 products
Its highest savings rate is 4.60%, on its Macquarie Savings Account: 41st highest of 84 institutions.
- Macquarie Business Banking AccountPriced on application
- Pricing
- Rates on application
- Macquarie Business Banking At Call Investment AccountPriced on application
- Pricing
- Rates on application
- Macquarie Business Savings Account
- Base rate
- 4.40%
- Monthly fee
- $0
- Macquarie Cash Management Accelerator Account
- Base rate
- 3.25%
- Monthly fee
- $0
- Macquarie Cash Management Account
- Base rate
- 3.00%
- Monthly fee
- $0
- Macquarie Savings Account
- Base rate
- 4.60%
- Macquarie Transaction Account
- Base rate
- 3.00%
- Monthly fee
- $0
Macquarie Bank Limited term deposit rates
Compare across banks3 products
Its highest 12-month term deposit rate is 5.40%, on its Macquarie Digital Term Deposit: 11th highest of 65 institutions, level with 6 others.
| Rate | Macquarie Bank Limited | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 5.10%Macquarie Digital Term Deposit | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.25%Macquarie Digital Term Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.40%Macquarie Digital Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 2.00%Macquarie Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 2.00%Macquarie Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
| 5-year term depositBest rate for 5 years | 2.00%Macquarie Term Deposit | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions |
Macquarie Bank Limited credit card rates
Compare across banks3 products
Its lowest credit card purchase rate is 15.95%, on its Macquarie Ratesaver Card: 45th lowest of 51 card issuers.
Macquarie Bank Limited business loan rates
Compare across banks4 products
- CommOnePriced on application
- Pricing
- Rates on application
- Loan size
- $1,000,000 to no maximum
- Fully Drawn AdvancePriced on application
- Pricing
- Rates on application
- Loan size
- $1,000,000 to no maximum
- Macquarie Property VersatilePriced on application
- Pricing
- Rates on application
- Loan size
- $1,000,000 to no maximum
- Revolving Line of CreditPriced on application
- Pricing
- Rates on application
- Loan size
- $1,000,000 to no maximum
Macquarie Bank Limited overdraft rates
Compare across banks1 product
Macquarie Bank Limited trust accounts
Compare across banks1 product
Has Macquarie Bank passed on the RBA's November 2026 rate rise?
Macquarie Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Tue 20 Oct
Macquarie Bank cut 12 variable home loan rates by 0.01 to 0.10 percentage points.
0.01 to 0.10- Macquarie Basic Home Loan (6 rates)
- Macquarie Offset Home Loan (6 rates)
Thu 15 Oct
Macquarie Bank lifted 30 variable home loan rates by 0.25 percentage points.
0.25- Macquarie Basic Home Loan (15 rates)
- Macquarie Offset Home Loan (15 rates)
Macquarie Bank lifted 9 savings rates by 0.05 to 1.85 percentage points.
0.05 to 1.85- Macquarie Business Savings Account (3 rates)
- Macquarie Savings Account (3 rates)
- Macquarie Transaction Account (3 rates)
Thu 24 Sep
Macquarie Bank lifted 100 fixed home loan rates by 0.10 to 0.20 percentage points.
0.10 to 0.20- Macquarie Basic Home Loan (50 rates)
- Macquarie Offset Home Loan (50 rates)
Published by Macquarie Bank Limited under the Consumer Data Right, last changed by them on 6 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.