interest rate applies for disclaimers
Macquarie Digital Banking
Experience beautiful banking.
Now with Liquid Glass, the latest update for our mobile banking app is available with Apple iOS 26.
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Following the RBA’s decision on 3 February 2026 to increase the official cash rate by 0.25%, we’re increasing our variable home loan reference rates and interest rates paid to customers on their variable rate bank accounts, effective 20 February 2026. Find out more about what this means for you here.
Macquarie Digital Banking
Meet Q.
Your AI agent, here to answer your money questions.
Explore Macquarie
High interest savings
Earn a great variable welcome rate for 4 months on your first account~, then rollover onto our 4.25% p.a. ongoing variable rate on balances up to $2m.
Private Bank
Personalised service and expertise to help you make the most of global investments and strategic banking opportunities.
Great home loans for good borrowers
You could benefit from a more rewarding home loan. Enjoy great rates, low fees and flexible ways to repay faster.
Business banking
With over 35 years of business expertise, we’re a bank that understands businesses of all shapes and sizes.
Help and support
Help Centre
Need information about a Macquarie banking or financial services product?
Explore our FAQs to help you manage your Macquarie accounts.
Support in difficult times
If you’re experiencing financial hardship due to a difficult life event, or if you have concerns about financial abuse, support is available. Together, we can work on a solution to support you.
Resolve a complaint
Everyone at Macquarie is committed to providing our clients with the highest standard of products and services available. If you have a complaint we would like you to tell us about it.
Banking Code of Practice
Macquarie Bank Limited subscribes to the Banking Code of Practice, an industry code of conduct developed by the Australian Banking Association, which sets standards of good conduct for banks, their staff and their representatives.
Contact us
We’re here to help. Whether you have a question or need to solve a problem, you can find support tailored to your needs.
Additional information
Unless stated otherwise, this information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. Before making any financial investment decision or a decision about whether to acquire a product mentioned on this page, a person should obtain and review the terms and conditions relating to that product and also seek independent financial, legal and taxation advice.
Our Welcome rate offer is only available on your first savings account, on balances up to $250,000.00 for four months. The welcome rate is variable and may change during the four-month period. After the expiry of your Welcome rate and on additional savings accounts, our stepped variable rates apply based on your balance.
Macquarie Bank has been awarded Money Magazine's Bank of the Year 2023/2024/2025.
Macquarie Private Bank is a division of Macquarie Bank Limited, and its services are available to selected clients only at Macquarie’s discretion.
Home loan information and interest rates are current as at 15 January 2026 for new loans only and are subject to change.
Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.