Powerful, secure cash management and high-interest savings accounts for investors, companies, trusts and SMSFs.
Features and benefitsConnect your Macquarie Cash Management Account (CMA) seamlessly with over 45 other platforms and systems, including:
Enjoy the award-winning Macquarie Mobile Banking App and industry-leading digital security with Macquarie Authenticator.
Open an account online today, with:
Macquarie’s CMA puts 10 years of statements at your fingertips. You'll also have the flexibility and control to:
Control your SMSF cash flow with Macquarie’s Cash Management Account and linked high-interest Accelerator account. Open an account today to access award winning features that will make running your SMSF easy.
The Macquarie Cash Management Accelerator Account (Accelerator) is a high interest savings account linked to the Macquarie CMA.
Open an Accelerator account at the same time you open your CMA to earn more on the cash you're keeping for investment opportunities, or to simply receive a higher return on your savings and access your funds quickly when you need them with real-time transfers between the Accelerator and the CMA.
Our SMSF toolkit will step you through the most important considerations for setting up and managing your SMSF.
Rates and feesInterest on the Macquarie CMA is calculated using stepped interest rates, which means that account holders may be paid a different interest rate for different portions of their balance.
| Product | Balance portion | Interest rate |
| CMA | All | 2.75% p.a. |
| CMA Accelerator accounts | $0-1,999,999.99 | 4.65% p.a. |
| $2,000,000 -9,999,999.99 | 4.15% p.a. | |
| $10,000,000 + | 3.00% p.a. |
Interest rates effective from 8 April 2024 and are subject to change.
For the interest rates that apply to cash accounts linked to wrap, please visit the wrap page.
Interest on cash accounts linked to wrap is calculated differently. However, clients who close their wrap account but decide to keep their CMA will, at that point, then be subject to the stepped interest rates listed above.
Need more information before opening our award winning CMA? Check out the:
| Document | Link |
| Product Information Statement | Download PDF |
To open an Accelerator Account, you must open and link it to a new or existing CMA.
Please note, you will not be able to link your Accelerator to a different CMA after it has been set up.
Need more information before opening a Accelerator Account? Check out the Accelerator Product Information Statement .
| Document | Link |
| Product Information Statement | Download PDF |
There are daily transaction limits associated with the Cash Management Account.
| Daily funds transfer limit* | Daily BPAY limit |
| $100,000 | No limit |
*The $100,000 limit applies if you use the Macquarie Authenticator App and are registered for Electronic Banking. Otherwise, a default limit of $2,000 applies. Your applicable daily limit applies to all of the daily Pay Anyone payments you make across all your eligible accounts linked to your Macquarie ID. If you hold a joint account, click here for information about how this limit applies to you.
Online payments
Make internal transfers, pay anyone and BPAY® payments through online banking and mobile banking on an immediate or scheduled basis.
Real Time Gross Settlement (RTGS)
Transfer funds within the same Business Day to another Australian financial institution (subject to cut off time below).
International funds transfer
Statements 6
6 Historical statements for up to 10 years are available online. For more information, contact us.
| Terms and conditions | Link |
|---|---|
| Macquarie electronic banking terms and conditions | View conditions |
I need a Cash Management Account for a.
Individual or joint account Unregulated trust Incorporated association Sole traderBefore you continue, you'll need:
Before you continue, you'll need:
Before you continue, you'll need:
Before you continue, you'll need:
Before you continue, you'll need:
Before you continue, you'll need:
The Macquarie Cash Management Accelerator Account (Accelerator) is a high interest savings deposit account that links to your Macquarie Cash Management Account (CMA). You can earn more on your cash funds while waiting for investment opportunities or simply get a higher return on your savings. The Accelerator offers you the convenience of having your investment cash hub and your surplus investment cash account in one place.
Accelerator benefits
Most investors use an Accelerator account as a place to keep their excess investment cash due to a higher interest rate than the standard CMA. Please note that interest rates are variable and subject to change. You can view the current Accelerator interest rates here.
You can send real-time payments from your CMA internally (to Macquarie Transaction, Savings, Business Savings, Offset or Cash Management accounts) or externally to other NPP-enabled institutions. Please read Payment cut off and processing times for other types of payment processing times.
You can make a payment into your cash account using these options:
Electronic Funds Transfer (EFT)
You can transfer funds into your account from your Macquarie account or from most other financial institutions by using their online banking services.
Our branch (BSB) number is 182-512*.
Messaging requirements for self-managed superannuation funds (SMSFs):
*Only for accounts listed at the start of the article. For BSBs relating to Macquarie Cash Management Trusts (CMTs) which were transitioned to Macquarie CMAs, please refer to the Product Information Statement or check your account online.
*If you have a Macquarie Investment Accumulator Account, please use the BSB 182-799 and your account number to make EFT payments into your account.
Internal funds transfer
Transfers via an overseas bank
You can transfer funds to your Macquarie CMA from overseas by:
To send funds to your account via BPAY, contact the financial institution holding the funds, which must be a BPAY payer. Use the following details to make the transfer:
If you have a Macquarie Investment Accumulator Account, please use the Biller code 423152 and your account number as the reference number to make BPAY deposits into your account.
Please note BPAY deposits take two business days to clear.
Making direct debits
Direct debits are the easiest way to automate regular deposits into your account.
To set up a direct debit from an account you have with another financial institution, you can elect this on the online application at the time your account is opened and complete the Direct Debit Request form.
This form can also be used to facilitate a one-off direct debit.
The name of the bank account that you're debiting needs to match the name of your Macquarie account.
You’ll need to provide a copy of a recent bank statement (that’s less than six months old) for the account you’re debiting which is used to verify the account details.
In circumstances where the account you’re nominating for direct debits doesn’t issue statements, we’ll accept alternative documents that clearly reflect the account name and details, for example a transaction report or screenshot of the online bank statement.
Receiving payments to your Cash Management AccountTo receive real-time payments directly to your CMA, simply provide your Macquarie BSB and account number to the payer. NPP is a free service and you’ll not be charged for using it. You can check which financial institutions are set up with NPP.
You can also view your transaction history and periodic account statements via Macquarie Online Banking and the Macquarie Mobile Banking app.
