Macquarie’s CMA gives me confidence

I bank with Macquarie

Why our cash management account?

SMSF connectivity

Simplifies opening an account, your SMSF accounting and tax returns.

Digital smarts

Smarter banking that allows you to categorise your purchases, identify trends in your spending, and easily search your transactions

Full visibility

Flexibility and control for you and your adviser, including capability for advisers to make payments on your behalf.

Detailed reporting

Macquarie CMA puts 10 years of statements at your fingertips.


No ongoing fees

No account-keeping fees or management fees.

How a Macquarie CMA could benefit you

SMSF trustee

The chosen cash hub for 1 in 3 SMSFs*

By using a Macquarie CMA as your SMSF cash hub, you and your financial services professional can streamline your super fund accounting, as well as tax returns, auditing and end-of-financial-year reporting. Macquarie is also SuperStream friendly. 

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Online trader

Fast access to your capital

Act on trading opportunities immediately with Macquarie Online Trading, using cash from your Macquarie CMA so no time is lost making an account transfer. Cost per trade for online trading is $19.95 or 0.12% of the value of the trade (whichever is greater).

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Manage your investments

Effortlessly manage and track the movement of money in and out of your Macquarie CMA, with the option of adding detailed narratives to help keep comprehensive records of income and profits. Designed for you to take control of cash flow.

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Product information

Interest on the CMA is calculated using stepped interest rates, which means that you’ll be paid a different interest rate for different portions of your balance.

Balances between $0 and $4,999.99 will not earn interest and any balance above $5,000 will earn the interest rate as set out in the table below

Balance portionCash Management Account
interest rate (pa)^
Interest rate
0.00% pa
$5,000 +
Interest rate
0.55% pa

^ Interest rates effective from 4 October 2019 and are subject to change.

For the interest rates applicable to you, please contact your financial services professional or check your statement.

For the interest rates that apply to cash accounts linked to wrap, please visit the wrap page.

Need more information before opening our award winning CMA? Check out the:

You’ll need a financial adviser to open our Cash Management Accelerator Account. For more information or the latest interest rate, please contact your adviser.

The Australian Government guarantees aggregated deposits with Australian authorised deposit-taking institutions, including Macquarie Bank, of up to A$250,000.2

Is this cash management account for me?

What is a cash management account?

Need a consolidated view of your cash? Learn how a cash management account can help streamline your finances.

How to open a Cash Management account

Opening a Macquarie Cash Management Account in three easy steps.

Best wrap, cash and term deposit accounts

Award winning solutions for SMSFs, year after year

We're proud to be named Best Cash and Term Deposit Provider at both the SMSF Adviser Awards and Core Data Awards. We were also named Best Investment Platform - Macquarie Wrap* by SMSF members at the Core Data Awards.

Ready to apply? Get started today

Get the added security of real time notifications

Each time you make a transaction on your Macquarie credit or debit card, the mobile banking app will alert you with 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.

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