You can send real-time payments from your CMA internally (to Macquarie Transaction, Savings, Business Savings, Offset or Cash Management accounts) or externally to other NPP-enabled institutions. Please read Payment cut off and processing times for other types of payment processing times.
You can make a payment into your cash account using these options:
- EFT
- BPAY®
- direct debit
- cheque deposits (this service may not be available from 1 November 2024)
Electronic Funds Transfer (EFT)
You can transfer funds into your account from your Macquarie account or from most other financial institutions by using their online banking services.
Our branch (BSB) number is 182-512*.
Please note:
- Transfers from Macquarie accounts will generally reach your account on the same business banking day. This does not include super or pension accounts.
- Transfers from other financial institutions are normally made overnight and generally reach your account the following business banking day. This means a transfer made on a Friday will generally be deposited the following Monday. Transfers made after business hours, however, will take an additional day to reach your account. For example, a transfer made after business hours on a Monday will generally be deposited on Wednesday.
Messaging requirements for self-managed superannuation funds (SMSFs):
- Where you have an SMSF, we offer an electronic message service that allows your account to receive employer super contribution payments and related messages electronically. The electronic service address (ESA) is MACQUARIESMSF.
- For SuperStream rollovers, you’ll need an active ESA that provides for rollover SuperStream services. To find an ESA provider for rollovers, we recommend referring to the ATO’s register of SMSF messaging providers.
*Only for accounts listed at the start of the article. For BSBs relating to Macquarie Cash Management Trusts (CMTs) which were transitioned to Macquarie CMAs, please refer to the Product Information Statement or check your account online.
*If you have a Macquarie Investment Accumulator Account, please use the BSB 182-799 and your account number to make EFT payments into your account.
Internal funds transfer
To initiate a transfer between your Macquarie accounts, please see How do I make a withdrawal or payment from my investment or SMSF account using funds transfer or BPAY?
Transfers via an overseas bank
You can transfer funds to your Macquarie CMA from overseas by:
- bank draft drawn at an Australian bank, or by
- telegraphic transfer in Australian dollars (AUD). Please instruct the sending bank to quote our SWIFT code: MACQAU2S XXX.
BPAY
To send funds to your account via BPAY, contact the financial institution holding the funds, which must be a BPAY payer. Use the following details to make the transfer:
- Biller code: 667022
- Reference number: your cash account number
If you have a Macquarie Investment Accumulator Account, please use the Biller code 423152 and your account number as the reference number to make BPAY deposits into your account.
Please note BPAY deposits take two business days to clear.
Making direct debits
Direct debits are the easiest way to automate regular deposits into your account.
To set up a direct debit from an account you have with another financial institution, you can elect this on the online application at the time your account is opened and complete the Direct Debit Request form.
This form can also be used to facilitate a one-off direct debit.
The name of the bank account that you're debiting needs to match the name of your Macquarie account.
You’ll need to provide a copy of a recent bank statement (that’s less than six months old) for the account you’re debiting which is used to verify the account details.
In circumstances where the account you’re nominating for direct debits doesn’t issue statements, we’ll accept alternative documents that clearly reflect the account name and details, for example a transaction report or screenshot of the online bank statement.
