{
  "source": "https://api.macquariebank.io/cds-au/v1/banking/products/TX001MBLPLT001",
  "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": "TX001MBLPLT001",
    "lastUpdated": "2026-06-11T00:01:00.001Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Macquarie Transaction Account",
    "description": "An award-winning everyday transaction account with no fees and free access to every ATM in Australia.",
    "brand": "Macquarie Bank Limited",
    "isTailored": false,
    "additionalInformation": {
      "eligibilityUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html",
      "feesAndPricingUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#rates-and-fees",
      "overviewUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html",
      "termsUri": "https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html"
    },
    "applicationUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html",
    "brandName": "Macquarie",
    "bundles": [
      {
        "name": "Offset Home Loan Package",
        "description": "Our offset home loan package includes up to 10 offset accounts per loan account and optional linked debit cards. Lending criteria and T&Cs apply.",
        "additionalInfoUri": "https://www.macquarie.com.au/home-loans/compare-home-loans.html#compare-home-loans",
        "productIds": [
          "LN001MBLSTD001"
        ]
      }
    ],
    "cardArt": [
      {
        "cardScheme": "MASTERCARD",
        "cardType": "DEBIT",
        "imageUri": "https://www.macquarie.com.au/assets/bfs/images/open-banking/credit-cards/Macquarie-platinum-mastercard_NoName-01_CDR.png",
        "title": "Macquarie-platinum-mastercard_NoName-01_CDR"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#rates-and-fees",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0275",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "name": "Base rate 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "effectiveFrom": "2015-03-06T00:01:00.001Z",
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html",
        "additionalValue": "Permanent Australian residential address required."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Minimum age requirement",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html",
        "additionalValue": "12"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have Australian mobile number",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must have an email address",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Only available for individual or joint applications",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html"
      }
    ],
    "features": [
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking/macquarie-app.html",
        "additionalValue": "Whenever you make a transaction on your Macquarie Debit card, you'll receive a push notification, so you know the correct transaction has been processed either instore or online."
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "No fees, no deposit conditions. No minimum monthly deposit. No international purchase fees. No transaction fees. No dishonour fees.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Enjoy a refund on fees incurred at all ATMs in Australia.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Receive the Mastercard foreign exchange rate, with no additional fees or charges.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-accounts-travel.html"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html",
        "additionalValue": "Debit Mastercard"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Safe and secure. Securely lock and unlock your Platinum Debit Mastercard in the Macquarie Mobile Banking app.",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online Banking",
        "additionalInfoUri": "https://www.macquarie.com.au/digital-banking.html"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Mobile Banking",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "NPP Payments",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Internal transfers",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay anyone payments",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct credit",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct debit",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/payments-transfers-and-deposits/payments-and-transfers/making-deposits-and-payments.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "International transactions",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html"
      },
      {
        "featureType": "OFFSET"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Lost Luggage Return.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/transaction-account/Macquarie%20platinum%20%20benefits.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Theft and damage protection on eligible purchases and stolen wallet protection.",
        "additionalInfoUri": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/transaction-account/Macquarie%20platinum%20%20benefits.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "$100 limit per Mastercard contactless transaction with no PIN.",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/cards-balances-and-limits/account-card-and-atm-limits/understanding-daily-limits-on-payments-and-transfers.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily $2,000 limit for domestic ATM or other cash withdrawals.",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/cards-balances-and-limits/account-card-and-atm-limits/understanding-daily-limits-on-payments-and-transfers.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily Pay Anyone Payment 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.",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/cards-balances-and-limits/account-card-and-atm-limits/understanding-daily-limits-on-payments-and-transfers.html"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Daily PayID Payment sub-limit. The $10,000 limit operates as a sub-limit of the daily Pay Anyone limit.",
        "additionalInfoUri": "https://www.macquarie.com.au/help/personal/cards-balances-and-limits/account-card-and-atm-limits/understanding-daily-limits-on-payments-and-transfers.html"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "More ways to pay. Add your Platinum Debit Mastercard to your mobile or wearable with Apple Pay and Google Pay.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html",
        "additionalValue": "Apple Pay, Google Pay"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Link a PayID to your transaction account to receive and make real time Payments.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html"
      }
    ],
    "fees": [
      {
        "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.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#tab-panels-0-account-fees",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Domestic ATM transactions",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "If you’re charged a fee at an ATM in Australia, we’ll refund it to your account.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#tab-panels-0-account-fees",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "International ATM transactions",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Check your account balance and withdraw cash where your Debit Mastercard is accepted. We don’t charge fees to use ATMs overseas. You may be charged a fee by international ATM operators.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#tab-panels-0-account-fees",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "International purchases",
        "feeType": "PURCHASE",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Card purchases or transactions made or processed outside Australia.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#tab-panels-0-account-fees",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Dishonour fees",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#tab-panels-0-account-fees",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Monthly account fees",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "We don’t charge monthly account fees.",
        "additionalInfoUri": "https://www.macquarie.com.au/everyday-banking/transaction-account.html#faqs",
        "additionalValue": "P1M",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ]
  }
}