{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/CM001MBLCMA001",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "CM001MBLCMA001",
    "lastUpdated": "2026-05-22T00:01:00.001Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Macquarie Cash Management Account",
    "description": "The Macquarie Cash Management Account is the centre of your wealth ecosystem and benefit from transparency, detailed reporting and zero account keeping fees.",
    "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/investing/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": [
          "CM001MBLXLR001"
        ]
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "applicationType": "PERIODIC",
        "additionalInfo": "CMA non-advised accounts",
        "additionalInfoUri": "https://www.macquarie.com.au/investing/cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "applicationType": "PERIODIC",
        "additionalInfo": "Rate is available to accounts with a primary financial services professional that is licensed to give financial product advice.",
        "additionalInfoUri": "https://www.macquarie.com.au/investing/cash-management-account.html#tab-panels-0-interest-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D"
      }
    ],
    "effectiveFrom": "2018-07-17T00:01:00.001Z",
    "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"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Macquarie CMA puts 10 years of statements at your fingertips"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "No account-keeping fees or management fees."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Mobile and Online Banking",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking.html"
      },
      {
        "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 through funds transfers."
      },
      {
        "featureType": "BILL_PAYMENT"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "NPP Payments"
      },
      {
        "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": "Daily funds transfer limit. The $100,000 limit is applicable for customers who use the Macquarie Authenticator App and are registered for Electronic Banking. Otherwise, a default limit of $2,000 will apply."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily Adviser initiated payments limit of $500,000"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexibility and control for you and your adviser, including capability for advisers to make payments on your behalf."
      },
      {
        "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": "OTHER",
        "additionalInfo": "The perfect companion for your self managed super fund (SMSF).The Cash Account is an ideal cashflow management system for your SMSF, providing the flexibility and control to help you manage your fund’s transactions. All fund transactions appear on one consolidated statement, simplifying super fund accounting, tax returns, end of year auditing and long-term record keeping with the ability to download current and up to 10 years’ worth of historical statements online and access personalised audit reports online."
      }
    ],
    "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": "Real Time Gross Settlement (RTGS)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Transfer funds within the same Business Day to another Australian financial institution (subject to cut off times).",
        "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"
        }
      }
    ]
  }
}