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Business Savings Account
A high interest online-only savings account with no fees - because everything counts in business.
Earn up to
4.90
% p.a.
Standard variable rate *
Open an account
Resume application（https://online.macquarie.com.au/personal/#/resume-application）
Resume application（https://online.macquarie.com.au/personal/#/resume-application）
Open an account
Features & Benefits
High interest rate
Earn an ongoing variable rate of up to 4.90% p.a.
Easy account opening
With our fast digital-only application process and instant account opening for eligible businesses.
No fees, no catches
No monthly fees. Earn interest, no matter how often you withdraw.
Eligibility
Find the best product for your business
Are you new to Macquarie?
You are a new customer if you do not hold a Macquarie product including transaction, savings, online trading, wealth or cash management accounts, term deposits, credit cards, home or car loans.
Yes, I'm a new customer
No, I'm an existing customer
What is your business structure?
Sole trader
Private company
Trust, SMSF, other
Great! It looks like you may be eligible for a Macquarie Business Savings Account.
Have your ID ready for digital verification (Australian driver licence or passport)
Make sure your business details are up to date with ASIC and that you have an active ABN
Applications will be saved after ID verification, so you can come back to it later if needed.
Open online（https://signup.macquarie.com.au/business/）
Does your company meet all of the following criteria?
You are a director of the company.
No shares are held on behalf of a trust.
No non-director individuals hold 25% or more of ownership shares.
Yes, my company meets all of these criteria
No, my company is structured differently
Great! It looks like you may be eligible for a Macquarie Business Savings Account.
Have your ID ready for digital verification (Australian driver licence or passport)
Make sure your business details are up to date with ASIC and that you have an active ABN
Applications will be saved after ID verification, so you can come back to it later if needed.
Open online（https://signup.macquarie.com.au/business/）
Good news! We have accounts for other company structures.
The Macquarie Cash Management Accelerator Account (Accelerator) is a savings account linked to the Macquarie Cash Management Account (CMA) which you might want to consider.
Earn a great interest rate
No minimum balances
No fees.
Continue to CMA（https://www.macquarie.com.au/investing/campaign/cma-accelerator.html）
The Macquarie Business Savings Account, Macquarie Cash Management Account and Macquarie Cash Management Accelerator Account are deposit products issued by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. The above information doesn't take into account your objectives, financial situation or needs - please consider whether it's right for you.
Good news! We have accounts for other company structures.
The Macquarie Cash Management Accelerator Account (Accelerator) is a savings account linked to the Macquarie Cash Management Account (CMA) which you might want to consider.
Earn a great interest rate
No minimum balances
No fees.
Continue to CMA（https://www.macquarie.com.au/investing/campaign/cma-accelerator-trusts-smsf.html）
The Macquarie Business Savings Account, Macquarie Cash Management Account and Macquarie Cash Management Accelerator Account are deposit products issued by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. The above information doesn't take into account your objectives, financial situation or needs - please consider whether it's right for you.
Good news! We have accounts for other company structures.
The Macquarie Cash Management Accelerator Account (Accelerator) is a savings account linked to the Macquarie Cash Management Account (CMA) which you might want to consider.
Earn a great interest rate
No minimum balances
No fees.
Continue to CMA（https://www.macquarie.com.au/investing/campaign/cma-accelerator.html）
The Macquarie Business Savings Account, Macquarie Cash Management Account and Macquarie Cash Management Accelerator Account are deposit products issued by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. The above information doesn't take into account your objectives, financial situation or needs - please consider whether it's right for you.
Rates and features
Rates and features
Interest rates
Account fees
Account features
Transaction limits
Terms and conditions
Interest rates
4.90
% p.a.
Standard variable rate *
*On balances up to $2,000,000
Stepped interest is payable on deposits in Macquarie Business Savings Accounts based on your balance as follows:
Rate Balance
4.90% p.a. Up to $250,000
4.90% p.a. $250,000.01 – $2,000,000
4.40% p.a. $2,000,000.01 and above
See previous interest rates（https://www.macquarie.com.au/assets/bfs/documents/business-banking/business-savings-account/macquarie-previous-rate-card-bsa.pdf）
The above interest rates are current as at 15 October 2026, are variable and subject to change. For more information on how interest is calculated click here（https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/understanding-interest-rates-and-fees/understanding-interest-rates-and-fees-for-tsa-and-bsa.html）.
Account fees
Fee type Fee amount
Mobile and online payments Free
Transaction Free
Account keeping Free
Make payments using BPAY ® and PayID ® through secure online and mobile banking on an immediate or scheduled basis.
Account features
What is included with the Business Savings Account?
A competitive savings rate
Quick and easy access to your savings
No monthly fees
Multiple ways to pay
Award-winning mobile app and online platform
Industry-leading digital security
Link your account（https://xero5440.partnerlinks.io/cfj8e6r577ql） with Xero and receive 90% off for 6 months*
*New customers to Xero only.
What is not included with the Business Savings Account?
A debit card
Eftpos facilities
A dedicated relationship manager
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）