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Cash management solutions
Powerful, secure cash management and high-interest savings accounts for investors, companies, trusts and SMSFs.
Open an account
Features and benefits
Your connected cash hub
Connect your Macquarie Cash Management Account (CMA) seamlessly with platforms and systems, including:
Macquarie's term deposits and our high-interest Accelerator account
Macquarie's Wrap platform. 1
Easy, secure and digital
Enjoy the award-winning * Macquarie Mobile Banking App（https://www.macquarie.com.au/digital-banking/macquarie-app.html） and industry-leading digital security with Macquarie Authenticator（https://www.macquarie.com.au/digital-banking/macquarie-authenticator.html）.
Open an account online today, with:
no account keeping or management fees
no minimum or maximum balances.
Visibility and reporting
Macquarie’s CMA puts 10 years of statements at your fingertips. You'll also have the flexibility and control to:
share data and reporting with your accountant or financial adviser, if you have one
categorise and easily search your transactions.
Account options
Looking for an SMSF bank account?
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.
Open an account
Access higher interest with Macquarie Accelerator
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（https://cashonline.macquarie.com.au/initiate.aspx?product=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.
Get started（https://cashonline.macquarie.com.au/initiate.aspx?product=CMA）
Rates and fees
Rates and fees
Interest rates
Macquarie Cash Management Account terms and conditions
Macquarie Cash Management Accelerator Account terms and conditions
Daily transaction limits
Account fees
Additional terms and conditions
Payment cut off and processing times
Interest rates
Interest 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 3.00% p.a.
CMA Accelerator accounts $0-1,999,999.99 4.90% p.a.
$2,000,000 -9,999,999.99 4.40% p.a.
$10,000,000 + 3.25% p.a.
See previous interest rates（https://www.macquarie.com.au/assets/bfs/documents/investing/cash/macquarie-previous-rate-card-cma.pdf）
Interest rates effective from 15 October 2026 and are subject to change.
For the rates applicable to you, please refer to account details in Macquarie Online Banking.
For the interest rates that apply to cash accounts linked to wrap, please visit the wrap page（https://www.macquarie.com.au/investing/macquarie-wrap.html） .
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.
Macquarie Cash Management Account terms and conditions
Need more information before opening our award winning CMA? Check out the:
Document Link
Bank Accounts terms and conditions View conditions（https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html）
Macquarie Cash Management Accelerator Account terms and conditions
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 Bank Accounts terms and conditions（https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html）.
Document Link
Bank Accounts terms and conditions View conditions（https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html）
Daily transaction limits
Visit Help Centre to view and understand transaction limits.（https://www.macquarie.com.au/help/personal/cards-balances-and-limits/account-card-and-atm-limits/understanding-daily-limits-on-payments-and-transfers.html）
Account fees
Fee Type Fee amount
Monthly account fee Free
Online payments
Make internal transfers, pay anyone and BPAY® payments through online banking and mobile banking on an immediate or scheduled basis.
Free
Audit letter Free
Dishonoured payments Free
Transaction investigation Free
Real Time Gross Settlement (RTGS)
Transfer funds within the same Business Day to another Australian financial institution (subject to cut off time below).
Free
Statements 6
6 Historical statements for up to 10 years are available online. For more information, contact us.
Free
Additional terms and conditions
Terms and conditions Link
Macquarie electronic banking terms and conditions View conditions（https://www.macquarie.com.au/digital-banking/electronic-banking-terms-and-conditions.html）
Payment cut off and processing times
See information on payment cut off and processing times（https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/cut-off-and-processing-times-for-payments-and-transfers.html）.
How to apply
Check your eligibility before opening a Cash Management Account (CMA)
Are you new to Macquarie?
Select I’m a new customer if you don’t currently hold a Macquarie account or product, such as a transaction or savings account, cash management account, term deposit, credit card, home loan, car loan or wrap account.