Macquarie Transaction Account
An award-winning everyday transaction account with no fees and free access to every ATM in Australia.
- Base rate
- 2.75%
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
Eligibility
- Residency status — Permanent Australian residential address required.
- Minimum age — 12 yearsMinimum 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
Published by Macquarie Bank Limited under the Consumer Data Right · Last updated 11 June 2026 · Product ID TX001MBLPLT001 · View on CDR.gov.au · View Source Data (JSON)