{
  "brand": "Macquarie Bank Limited",
  "brand_label": "Macquarie Bank",
  "brand_slug": "macquarie-bank-limited",
  "legal_entity_abn": "46008583542",
  "public_base_uri": "https://api.macquariebank.io",
  "logo_uri": "https://www.macquarie.com.au/assets/bfs/global/macquarie-logo_black.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-01T00:01:00Z",
  "at_a_glance": {
    "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"ongoing","rate_pct":5.25,"base_rate_pct":5.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":5.25,"base_rate_pct":5.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":5.25,"base_rate_pct":5.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":true},
      {"segment":"smsf","kind":"ongoing","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management Accelerator Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":true},
      {"segment":"smsf","kind":"intro","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management Accelerator Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":true},
      {"segment":"smsf","kind":"base","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management Accelerator Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":true},
      {"segment":"business","kind":"ongoing","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"intro","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"base","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}
    ],
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        "not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Must have Australian mobile number",
        "Must have an email address",
        "Only available for individual or joint applications",
        "hold a Macquarie Transaction Account (opened first)"
      ],
      "k2": [
        "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",
        "the feed lists several base rates for one balance; the lowest is shown, up to 4.40% (CMA non-advised accounts)",
        "Must have Australian mobile number",
        "Must have an email address",
        "Must hold a Cash Management account",
        "also open to self-managed super funds (SMSFs): the bank's own words are \"Control your SMSF cash flow with Macquarie’s Cash Management Account and linked high-interest Accelerator account.\""
      ],
      "k3": [
        "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",
        "Must have an Australian mobile phone number",
        "Must have a valid email address",
        "Only available for eligible businesses. Sole Traders and Australian Propietary Companies",
        "not for existing Macquarie personal banking customers holding a Macquarie account, loan, card or wealth product"
      ]
    },
    "unranked": {
      "products": 3,
      "transaction_account": 2,
      "no_rate": 1
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category",
  "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
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      "product_name": "Macquarie Business Savings Account",
      "product_label": "Business Savings Account",
      "product_slug": "business-savings-account",
      "page": "/au/finance/savings-accounts/accounts/macquarie-bank-limited/business-savings-account/",
      "product_url": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html",
      "fees_url": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
      "eligibility_url": "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
      "account_type": "savings",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "A high-interest online business savings account with no fees",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
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          "intro_pct": null,
          "base_pct": 4.9
        },
        "50000": {
          "ongoing_pct": 4.9,
          "intro_pct": null,
          "base_pct": 4.9
        },
        "250000": {
          "ongoing_pct": 4.9,
          "intro_pct": null,
          "base_pct": 4.9
        }
      },
      "rankings": [
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 6,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 6,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 6,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 10000,
          "rank": 8,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 8,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 8,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 4,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 4,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
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          "rank": 4,
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        }
      ],
      "features": {
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        "digital_wallets": [],
        "osko": true,
        "payid": false,
        "payto": true,
        "bpay": true,
        "app": true,
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        "linked_account_required": false,
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        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Pay Anyone Payments",
          "Direct Credit",
          "Direct Debit",
          "Internal Transfer",
          "Daily Pay Anyone Payment limit. The $100,000 limit is applicable for customers who use th…",
          "Daily PayID Payment sub-limit. The $10,000 limit operates as a sub-limit of the daily Pay…"
        ]
      },
      "feature_tags": [
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        "Osko",
        "PayTo",
        "BPAY",
        "notifications"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 15,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
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        "groups": [],
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      },
      "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",
        "Must have an Australian mobile phone number",
        "Must have a valid email address",
        "Only available for eligible businesses. Sole Traders and Australian Propietary Companies",
        "not for existing Macquarie personal banking customers holding a Macquarie account, loan, card or wealth product"
      ],
      "eligibility": [
        "residency: An Australian residential address required",
        "Must have an Australian mobile phone number",
        "Must have a valid email address",
        "Only available for eligible businesses. Sole Traders and Australian Propietary Companies",
        "business: Must have an ABN"
      ],
      "record_stale": true,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/BS001MBLBSA001",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/macquarie-bank-limited/BS001MBLBSA001.json",
      "snapshot_at": "2026-10-22T13:25:16Z",
      "bank_last_updated": "2026-10-15T00:01:00.001Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.macquarie.com.au/business-banking/business-accounts/savings-account.html",
          "https://www.macquarie.com.au/help/personal/business-savings-account/opening-an-account/opening-a-business-savings-account.html"
        ]
      }
    },
    {
      "product_id": "CM001MBLXLR001",
      "product_name": "Macquarie Cash Management Accelerator Account",
      "product_label": "Cash Management Accelerator Account",
      "product_slug": "cash-management-accelerator-account",
      "page": "/au/finance/savings-accounts/accounts/macquarie-bank-limited/cash-management-accelerator-account/",
      "product_url": "https://www.macquarie.com.au/investing/cash-management-account.html",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html",
      "fees_url": "https://www.macquarie.com.au/investing/cash-management-account.html#tab-panels-0-account-fees",
      "eligibility_url": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html",
      "account_type": "cash_management",
      "segments": [
        "personal",
        "smsf"
      ],
      "segment": "personal",
      "description": "Our Cash Management Accelerator Account offer you and your clients award-winning functionality to enable control, transparency and speed.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
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          "intro_pct": null,
          "base_pct": 4.9
        },
        "50000": {
          "ongoing_pct": 4.9,
          "intro_pct": null,
          "base_pct": 4.9
        },
        "250000": {
          "ongoing_pct": 4.9,
          "intro_pct": null,
          "base_pct": 4.9
        }
      },
      "rankings": [
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 10,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 10,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 11,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 10000,
          "rank": 12,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 50000,
          "rank": 12,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 250000,
          "rank": 13,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 10000,
          "rank": 3,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 50000,
          "rank": 3,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 250000,
          "rank": 4,
          "of": 35
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Real-time transfers to and from your linked CMA during a business day",
          "The Cash Account is a retail deposit with Macquarie and is eligible for coverage under th…",
          "Deposits and withdrawals available via funds transfer. Withdrawals can only be to your li…",
          "Your Financial Services Professional can view your Cash Account online and help you act q…"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "unlimited transactions",
        "linked account required"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 18,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null,
        "open_to": [
          {
            "segment": "smsf",
            "who": "self-managed super funds (SMSFs)",
            "quote": "Control your SMSF cash flow with Macquarie’s Cash Management Account and linked high-interest Accelerator account.",
            "url": "https://www.macquarie.com.au/investing/cash-management-account.html",
            "checked": "2026-11-06",
            "citation": {
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              "url": "https://www.macquarie.com.au/investing/cash-management-account.html#:~:text=Control%20your%20SMSF%20cash%20flow,and%20linked%20high%2Dinterest%20Accelerator%20account.",
              "document_sha256": "a184db6b8c01560b1add674e8e55151519717f5ab4ac247e6eaef13922ff57f6",
              "confirmed": "2026-11-13"
            }
          }
        ]
      },
      "conditions": [
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        "the feed lists several base rates for one balance; the lowest is shown, up to 4.40% (CMA non-advised accounts)",
        "Must have Australian mobile number",
        "Must have an email address",
        "Must hold a Cash Management account",
        "also open to self-managed super funds (SMSFs): the bank's own words are \"Control your SMSF cash flow with Macquarie’s Cash Management Account and linked high-interest Accelerator account.\""
      ],
      "eligibility": [
        "residency: Permanent Australian residential address required.",
        "Must have Australian mobile number",
        "Must have an email address",
        "Must hold a Cash Management account"
      ],
      "record_stale": true,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/CM001MBLXLR001",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/macquarie-bank-limited/CM001MBLXLR001.json",
      "snapshot_at": "2026-10-22T13:25:16Z",
      "bank_last_updated": "2026-10-15T00:01:00.001Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 3,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.macquarie.com.au/investing/cash-management-account.html",
          "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html"
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    },
    {
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      "product_label": "Cash Management Account",
      "product_slug": "cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/macquarie-bank-limited/cash-management-account/",
      "product_url": "https://www.macquarie.com.au/investing/cash-management-account.html",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html",
      "fees_url": "https://www.macquarie.com.au/investing/cash-management-account.html#tab-panels-0-account-fees",
      "eligibility_url": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html",
      "account_type": "cash_management",
      "segments": [
        "personal",
        "smsf"
      ],
      "segment": "personal",
      "description": "The Macquarie Cash Management Account is the centre of your wealth ecosystem and benefit from transparency, detailed reporting and zero account keeping fees.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
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      "intro_conditions": [],
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      "notice_days": null,
      "rates_at_reference_balances": {
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          "base_pct": 3.0
        },
        "50000": {
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          "intro_pct": null,
          "base_pct": 3.0
        },
        "250000": {
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          "base_pct": 3.0
        }
      },
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      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": true,
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        "bpay": true,
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        "linked_account_required": false,
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        "joint": null,
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        "other": [
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          "The Cash Account is a retail deposit with Macquarie and is eligible for coverage under th…",
          "Deposits and withdrawals available through funds transfers.",
          "Daily funds transfer limit. The $100,000 limit is applicable for customers who use the Ma…",
          "Daily Adviser initiated payments limit of $500,000",
          "Flexibility and control for you and your adviser, including capability for advisers to ma…"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "BPAY",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 18,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
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        "groups": [],
        "open_note": null,
        "open_to": [
          {
            "segment": "smsf",
            "who": "self-managed super funds (SMSFs)",
            "quote": "Control your SMSF cash flow with Macquarie’s Cash Management Account and linked high-interest Accelerator account.",
            "url": "https://www.macquarie.com.au/investing/cash-management-account.html",
            "checked": "2026-11-06",
            "citation": {
              "quote": "Control your SMSF cash flow with Macquarie’s Cash Management Account and linked high-interest Accelerator account.",
              "url": "https://www.macquarie.com.au/investing/cash-management-account.html#:~:text=Control%20your%20SMSF%20cash%20flow,and%20linked%20high%2Dinterest%20Accelerator%20account.",
              "document_sha256": "a184db6b8c01560b1add674e8e55151519717f5ab4ac247e6eaef13922ff57f6",
              "confirmed": "2026-11-13"
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        ]
      },
      "conditions": [
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