MacquarieMacquarie Cash Management Account
The Macquarie Cash Management Account is the centre of your wealth ecosystem and benefit from transparency, detailed reporting and zero account keeping fees.
At a glance
- Base rate
- 3.00%
- Monthly fee
- $0
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 3.00% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 20th highest of 61, level with 4 others |
Rates
Every rate Macquarie publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableCMA non-advised accounts | - | - | - | 3.00% | - | paid every 1 mo |
| VariableRate is available to accounts with a primary financial services professional that is licensed to give financial product advice. | - | - | - | 3.00% | - | paid every 1 mo |
Fees
7 fees published, grouped by when they're charged.
While you hold it1
- Monthly account feeNo fee
When you make a transaction2
- Online payments
Make internal transfers, pay anyone and BPAY payments through online banking and mobile banking on an immediate or scheduled basis.
No fee - Real Time Gross Settlement (RTGS)
Transfer funds within the same Business Day to another Australian financial institution (subject to cut off times).
No fee
When particular things happen4
- Audit letterNo fee
- Dishonoured payments (including cheques)No fee
- Statements
Viewed/printed online. Historical statements for up to 10 years are available online.
No fee - Transaction InvestigationNo fee
Features
- Macquarie CMA puts 10 years of statements at your fingertips
- The Cash Account is a retail deposit with Macquarie and is eligible for coverage under the Australian Government's Financial Claims Scheme (Government Guarantee).
- Deposits and withdrawals available through funds transfers.
- Daily funds transfer limit. The $100,000 limit is applicable for customers who use the Macquarie Authenticator App and are registered for Electronic Banking. Otherwise, a default limit of $2,000 will…
- Daily Adviser initiated payments limit of $500,000
- Flexibility and control for you and your adviser, including capability for advisers to make payments on your behalf.
- Your Financial Services Professional can view your Cash Account online and help you act quickly on investment opportunities as they arise. Give your accountant viewing access to your Cash Account so…
- The perfect companion for your self managed super fund (SMSF).The Cash Account is an ideal cashflow management system for your SMSF, providing the flexibility and control to help you manage your fund…
Eligibility and limits
- Minimum age 18
- Residency: Permanent Australian residential address required.
- Must have Australian mobile number
- Must have an email address
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Published by Macquarie Bank Limited under the Consumer Data Right, last changed by them on 15 Oct 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.