Macquarie Bank Transaction Account

transaction accountstale

Transaction Account is a transaction account from Macquarie Bank. It pays 3.00% p.a. with no bonus conditions. The feed calls it "Macquarie Transaction Account".

Not ranked: a transaction (everyday) account, not a savings account.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

One rate on every balance, with no upper limit.

Conditions

• not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed

Features

card

Debit Mastercard

app

yes

Osko

yes

PayID

yes

BPAY

yes

notifications

yes

transactions

unlimited

wallets

Apple Pay, Google Pay

joint accounts

yes

Other features, in the bank's words:

• Enjoy a refund on fees incurred at all ATMs in Australia.
• Receive the Mastercard foreign exchange rate, with no additional fees or charges.
• Safe and secure. Securely lock and unlock your Platinum Debit Mastercard in the Macquarie Mobile Banking app.
• Internal transfers
• Pay anyone payments
• Direct credit

Fees, limits and who can open it

monthly fee

$0

interest paid

monthly

interest calculated

daily

age

ages 12 and over

open to

personal customers

Who can open it, in the bank's own words:

• residency: Permanent Australian residential address required.
• Must have Australian mobile number
• Must have an email address
• Only available for individual or joint applications

About this account

An award-winning everyday transaction account with no fees and free access to every ATM in Australia.

Data

• Macquarie Bank's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 22 October 2026.
• /au/finance/savings-accounts/v1/brands/macquarie-bank-limited.json: this bank's accounts and every balance band as JSON; Macquarie Bank's page lists them.
• The bank last updated this record on 15 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at Macquarie Bank

• Business Savings Accountstale savings account, 4.90% base at $50,000
• Savings Accountstale savings account, 5.25% base at $50,000
• Cash Management Accelerator Accountstale cash management account, 4.90% base at $50,000
• Cash Management Accountstale cash management account, 3.00% base at $50,000
• Business Banking At Call Investment Accountstale savings account
• Business Banking Accountstale transaction account

All of Macquarie Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.