Savings account rates › Macquarie Bank Limited
Macquarie Transaction Account
Macquarie Bank Limited
CDR official
An award-winning everyday transaction account with no fees and free access to every ATM in Australia.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 3.00% | Variable · $0–$250,000 | CDR | 1 Nov 2026 | |
| 3.00% | Variable · $250,000–$2,000,000 | CDR | 1 Nov 2026 | |
| 3.00% | Variable · $2,000,000 or more | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.macquariebank.io/cds-au/v1/banking/products/TX001MBLPLT001- Content hash
sha256 4cefa949dae75e2921d8697d080aa3158af1158eb9b36d5b51ec1f902cf3d306- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_4cefa949dae75e29_086a7e1aShow details
- Checked
- 1 Nov 2026
- URL
https://api.macquariebank.io/cds-au/v1/banking/products/TX001MBLPLT001- Content hash
sha256 4cefa949dae75e2921d8697d080aa3158af1158eb9b36d5b51ec1f902cf3d306- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Online Payments | Transaction | $0.00 |
| Domestic ATM transactions | Withdrawal | $0.00 |
| International ATM transactions | Withdrawal | $0.00 |
| International purchases | Purchase | $0.00 |
| Dishonour fees | Dishonour | $0.00 |
| Monthly account fees | Periodic | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Notifications | Whenever you make a transaction on your Macquarie Debit card, you'll receive a push notification, so you know the correct transaction has been processed either instore or online. | |
| Unlimited txns | No fees, no deposit conditions. No minimum monthly deposit. No international purchase fees. No transaction fees. No dishonour fees. | |
| Other | Enjoy a refund on fees incurred at all ATMs in Australia. | |
| Other | Receive the Mastercard foreign exchange rate, with no additional fees or charges. | |
| Card access | Debit Mastercard | |
| Other | Safe and secure. Securely lock and unlock your Platinum Debit Mastercard in the Macquarie Mobile Banking app. | |
| Digital banking | Online Banking | |
| Digital banking | Mobile Banking | |
| Bill payment | BPAY | |
| Npp enabled | NPP Payments | |
| Other | Internal transfers | |
| Other | Pay anyone payments | |
| Other | Direct credit | |
| Other | Direct debit | |
| Other | International transactions | |
| Offset | ||
| Other | Lost Luggage Return. | |
| Other | Theft and damage protection on eligible purchases and stolen wallet protection. | |
| Other | $100 limit per Mastercard contactless transaction with no PIN. | |
| Other | Daily $2,000 limit for domestic ATM or other cash withdrawals. | |
| Other | Daily Pay Anyone Payment 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 apply. | |
| Other | Daily PayID Payment sub-limit. The $10,000 limit operates as a sub-limit of the daily Pay Anyone limit. | |
| Digital wallet | Apple Pay, Google Pay | More ways to pay. Add your Platinum Debit Mastercard to your mobile or wearable with Apple Pay and Google Pay. |
| Npp payid | Link a PayID to your transaction account to receive and make real time Payments. | |
| Eligibility: residency status | Permanent Australian residential address required. | |
| Eligibility: min age | 12 | Minimum age requirement |
| Eligibility: other | Must have Australian mobile number | |
| Eligibility: other | Must have an email address | |
| Eligibility: other | Only available for individual or joint applications |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $250,000–$2,000,000 | 1 Nov 2026 | Current | 3.00% |
| Variable · $0–$250,000 | 1 Nov 2026 | Current | 3.00% |
| Variable · $2,000,000 or more | 1 Nov 2026 | Current | 3.00% |
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