What you can approve or deny

The Macquarie Authenticator app sends actionable push notifications to your device, asking you to approve or deny transactions or account changes. It puts you in control so you can review transaction details like account, payee, and payment details upfront, so you can authorise transactions and account changes before they happen and know exactly what you’re approving.

For example, you may receive notifications asking you to:

  • Authorise payments 
  • Authorise change of details  
  • Verify log in  
  • If you have an adviser, authorise adviser-initiated payments.

What's a push notification?

An actionable push notification is a little banner that slides into view on your mobile device with a direct link to the Macquarie Authenticator app. You’ll see information about the account activity so you can feel confident to approve or decline. This is our recommended method as it’s fast and very secure. You’ll need to have notifications enabled on your device to recieve actionable push notifications

 

How to approve or deny

 
  1. If notifications have been enabled on your phone, you’ll receive a push notification pending your approval 
  2. Select the push notification or open the Macquarie Authenticator app on your device
  1. Login using your pin or biometrics (face or fingerprint)
  1. Any pending approvals will also appear under Tasks in the bottom left corner
  1. Select the request or payment you’d like to review from the list of tasks
  2. Review the request or payment to ensure you know exactly what you are approving/denying
  3. Select ‘Approve’ or ‘Deny’ buttons at the bottom of the screen.

Received a push notification you don’t recognise?

In all likelihood you should not be receiving a push notification that you or your financial adviser did not action. However, this could occur in scenarios such as:

  • Clicking resend verification and receiving a delayed push notification due to slow network connectivity
  • A transaction that is suspected to be fraudulent.

If you received a push notification that is suspected to be fraudulent, you should deny the action immediately to stop the action from completing. You should then immediately change your password and call Macquarie to report the incident.

  1. Click Deny on the push notification
  2. Click Change password 
  3. Follow the change password prompts
  4. Call us on 133 174 (+61 2 8245 4470), 24/7, to report the suspected fraudulent transaction.

Didn’t receive a push notification?

You may not be able to verify a transaction or activity with a push notification if you:

  • can’t access the internet or have limited mobile reception
  • haven’t enabled push notifications on your device.
  • have enabled the ‘Do not disturb’ function or scheduled to receive notifications during certain times of the day on your device.
  • have enabled "Offload unused apps" (iOS) or "Archive app" (Android 15) enabled.

If this happens, please check that you have notifications enabled for the app and try again by clicking on Resend verification.

To enable device notifications for the Macquarie Authenticator app:

  1. On your device, select Settings
  2. Select Notifications under your device settings
  3. Select the Macquarie Authenticator app
  4. Toggle on Allow notifications.

Do not disturb mode

If you’ve enabled the ‘Do not disturb’ function or scheduled to receive notifications during certain times of the day, ensure Macquarie Authenticator is allowed to send notifications during these times.

On Android:

  1. On your device, select Settings
  2. Select Notifications under your device settings
  3. Select Do not disturb under your notification settings
  4. Select App notifications and add Macquarie Authenticator to allow notifications during the ‘Do not disturb’ scheduled times.

On iOS:

  1. On your device, select Settings
  2. Select Notifications under your device settings
  3. In Scheduled Summary, if you have scheduled certain times of the day to receive notifications, in the Apps in summary list switch Macquarie Authenticator to the ‘off’ position.

 

Automatic Offloading/Archiving of apps

To disable this setting, follow the steps below.

On Android 15:

  1. On your device, open the Google Play Store app
  2. At the top right, tap the profile icon
  3. Tap Settings
  4. Tap General 
  5. Scroll down to Automatically archive apps
  6. Set to disable (consider manually disabling and archiving apps you no longer use)

On iOS:

  1. On your device, select Settings
  2. Select App Store 
  3. Scroll down to Offload unused app
  4. Set to disable (consider manually disabling and archiving apps you no longer use)

If you’re still unable to receive a push notification, try checking the Tasks tab in Macquarie Authenticator:

  1. Login to Macquarie Authenticator
  2. Click Tasks on the bottom
  3. Click on the action awaiting your approval.

Don’t have internet access?

You can use the codes in the Macquarie Authenticator app to verify transactions when you’re offline. Please note you can only use codes to approve requests which you initiate for yourself. You won’t be unable to use codes to provide consent for an adviser-initiated request.

If your Macquarie Authenticator app is completely unavailable (lost your phone?), for security reasons, give us a call on 133 174 (+61 2 8245 4470), 24/7.

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Unless stated otherwise, this information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Finance is subject to our credit approval criteria. Terms and conditions apply and may change without notice.

Apple Pay, 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. Android Pay, the Android Logo and Google Play are trademarks of Google Inc. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Other than MBL, none of the Macquarie Group entities referred to are authorised deposit-taking institutions for the purposes of the Banking Act 1959 (Cth), unless noted otherwise. Their obligations do not represent deposits or other liabilities of MBL. Unless otherwise stated, MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity.

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