---
title: "Macquarie Transaction Account — Macquarie Bank Limited"
description: "Transaction & Savings Accounts from Macquarie Bank Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/macquarie-bank-limited/products/TX001MBLPLT001
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-11T00:01:00.001Z
---

# Macquarie Transaction Account — Macquarie Bank Limited

> Transaction & Savings Accounts from Macquarie Bank Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · Macquarie**

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

## At a glance

- **Base rate:** 2.75%

## Apply

Applications are handled by the provider: [Apply at Macquarie Bank Limited](https://www.macquarie.com.au/everyday-banking/transaction-account.html)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 2.75% | Base rate 1 | monthly |
| Variable | 2.75% | Base rate 2 | monthly |
| Variable | 2.75% | Base rate 3 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Online Payments — Make internal transfers, pay anyone and BPAY® payments through online banking and mobile banking on an immediate or scheduled basis. | Transaction | $0.00 |
| Domestic ATM transactions — If you’re charged a fee at an ATM in Australia, we’ll refund it to your account. | Withdrawal | $0.00 |
| International ATM transactions — 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. | Withdrawal | $0.00 |
| International purchases — Card purchases or transactions made or processed outside Australia. | Purchase | $0.00 |
| Dishonour fees | Dishonour | $0.00 |
| Monthly account fees — Charged monthly · We don’t charge monthly account fees. | Ongoing | $0.00 |

## Features

- **Notifications** — 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.
- **Unlimited transactions** (No fees, no deposit conditions. No minimum monthly deposit. No international purchase fees. No transaction fees. No dishonour fees.)
- **Enjoy a refund on fees incurred at all ATMs in Australia.**
- **Receive the Mastercard foreign exchange rate, with no additional fees or charges.**
- **Card access** — Debit Mastercard
- **Safe and secure. Securely lock and unlock your Platinum Debit Mastercard in the Macquarie Mobile Banking app.**
- **Digital banking** (Online Banking)
- **Digital banking** (Mobile Banking)
- **Bill payment (BPAY)** — BPAY
- **Real-time payments (NPP)** (NPP Payments)
- **Internal transfers**
- **Pay anyone payments**
- **Direct credit**
- **Direct debit**
- **International transactions**
- **Offset account**
- **Lost Luggage Return.**
- **Theft and damage protection on eligible purchases and stolen wallet protection.**
- **$100 limit per Mastercard contactless transaction with no PIN.**
- **Daily $2,000 limit for domestic ATM or other cash withdrawals.**
- **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.**
- **Daily PayID Payment sub-limit. The $10,000 limit operates as a sub-limit of the daily Pay Anyone limit.**
- **Digital wallet** — Apple Pay, Google Pay (More ways to pay. Add your Platinum Debit Mastercard to your mobile or wearable with Apple Pay and Google Pay.)
- **PayID** (Link a PayID to your transaction account to receive and make real time Payments.)

## Eligibility

- **Residency status** — Permanent Australian residential address required.
- **Minimum age** — 12 years (Minimum age requirement)
- **Must have Australian mobile number**
- **Must have an email address**
- **Only available for individual or joint applications**

## Bundles

- **Offset Home Loan Package** — 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.

## More information from Macquarie Bank Limited

- [Overview](https://www.macquarie.com.au/everyday-banking/transaction-account.html)
- [Terms & conditions](https://www.macquarie.com.au/digital-banking/bank-accounts-terms-and-conditions.html)
- [Eligibility](https://www.macquarie.com.au/help/personal/transaction-and-savings-accounts/opening-an-account/opening-a-transaction-or-savings-account.html)
- [Fees & pricing](https://www.macquarie.com.au/everyday-banking/transaction-account.html#rates-and-fees)

## Data provenance

- Published by Macquarie Bank Limited under the Consumer Data Right
- Product ID: `TX001MBLPLT001`
- Last updated by the provider: 11 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/macquarie-bank-limited/TX001MBLPLT001
- Provider page: https://www.cdrcompare.au/brands/macquarie-bank-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000163

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/macquarie-bank-limited/products/TX001MBLPLT001) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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