{
  "snapshot_at": "2026-10-22T13:25:16Z",
  "brand": "Macquarie Bank Limited",
  "brand_slug": "macquarie-bank-limited",
  "product_id": "CM001MBLXLR001",
  "cdr_url": "https://api.macquariebank.io/cds-au/v1/banking/products/CM001MBLXLR001",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.macquariebank.io/cds-au/v1/banking/products/CM001MBLXLR001'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "productId": "CM001MBLXLR001",
    "lastUpdated": "2026-10-15T00:01:00.001Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Macquarie Cash Management Accelerator Account",
    "description": "Our Cash Management Accelerator Account offer you and your clients award-winning functionality to enable control, transparency and speed.",
    "brand": "Macquarie Bank Limited",
    "isTailored": false,
    "additionalInformation": {
      "eligibilityUri": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html",
      "feesAndPricingUri": "https://www.macquarie.com.au/investing/cash-management-account.html#tab-panels-0-account-fees",
      "overviewUri": "https://www.macquarie.com.au/investing/cash-management-account.html",
      "termsUri": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html"
    },
    "applicationUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html",
    "brandName": "Macquarie",
    "bundles": [
      {
        "name": "Cash management solution",
        "description": "Link your clients Cash Management Account with a Macquarie Cash Management Accelerator.",
        "additionalInfo": "The Accelerator is opened alongside a CMA, the hub of your investment portfolio. Use the Accelerator to hold cash funds at a higher interest rate than the CMA, and transfer between the two when you need to access funds for investment opportunities or payments from your CMA.",
        "additionalInfoUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html",
        "productIds": [
          "CM001MBLCMA001"
        ]
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0490",
        "applicationType": "PERIODIC",
        "additionalInfo": "CMA advised accounts",
        "additionalInfoUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1999999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0440",
        "applicationType": "PERIODIC",
        "additionalInfo": "CMA advised accounts",
        "additionalInfoUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.00",
            "maximumValue": "9999999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "applicationType": "PERIODIC",
        "additionalInfo": "CMA advised accounts",
        "additionalInfoUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0490",
        "applicationType": "PERIODIC",
        "additionalInfo": "CMA non-advised accounts",
        "additionalInfoUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1999999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0440",
        "applicationType": "PERIODIC",
        "additionalInfo": "CMA non-advised accounts",
        "additionalInfoUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.00",
            "maximumValue": "9999999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0325",
        "applicationType": "PERIODIC",
        "additionalInfo": "CMA non-advised accounts",
        "additionalInfoUri": "https://www.macquarie.com.au/advisers/solutions/macquarie-cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "effectiveFrom": "2018-08-10T00:01:00.001Z",
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfoUri": "https://www.macquarie.com.au/investing/cash-management-account.html",
        "additionalValue": "Permanent Australian residential address required."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfoUri": "https://www.macquarie.com.au/investing/cash-management-account.html",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have Australian mobile number",
        "additionalInfoUri": "https://www.macquarie.com.au/investing/cash-management-account.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have an email address",
        "additionalInfoUri": "https://www.macquarie.com.au/investing/cash-management-account.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must hold a Cash Management account",
        "additionalInfoUri": "https://www.macquarie.com.au/investing/cash-management-account.html"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Mobile and Online banking",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking.html"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "No monthly fees or minimum deposit conditions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Real-time transfers to and from your linked CMA during a business day"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "The Cash Account is a retail deposit with Macquarie and is eligible for coverage under the Australian Government's Financial Claims Scheme (Government Guarantee)."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Deposits and withdrawals available via funds transfer. Withdrawals can only be to your linked Macquarie CMA."
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "You can appoint another person, financial services professional or company to have access to and operate your account."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Your Financial Services Professional can view your Cash Account online and help you act quickly on investment opportunities as they arise. Give your accountant viewing access to your Cash Account so they can download your current and historical transaction reports themselves."
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Macquarie Authenticator is our two-factor authentication app designed to maximise your security",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking/macquarie-authenticator.html"
      }
    ],
    "fees": [
      {
        "name": "Audit letter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Transaction Investigation",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Monthly account fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Online payments",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Make internal transfers, pay anyone and BPAY payments through online banking and mobile banking on an immediate or scheduled basis.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Dishonoured payments (including cheques)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Statements",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Viewed/printed online. Historical statements for up to 10 years are available online.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ]
  }
}