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Banking and borrowing solutions
Guidance. Every step of the way.
The way you bank matters
We’ll bring you experts to unlock debt and equity opportunities across your portfolio. You will receive tailored personal and business banking to complement your wealth management, orchestrated in a strategy that aims to keeps all your finances moving towards the same goal.
Personalised service
Understanding what is important to you and your family
At Macquarie, ‘personalised’ isn’t a standard set of questions on your risk profile – it’s a relationship. An ongoing dialogue about your needs, goals and aspirations. It’s an acknowledgement that your goals won’t be linear or static, but complex and ever-changing. That’s why we’re committed to responsive, proactive service and a personalised strategy and approach that’s just right for you and your family.
Working together
An experience founded on strong connections and confident relationships
Confidence comes when you have the right people beside you. You and your Macquarie Private Banker are at the heart of a powerful network of carefully selected experts, working with you and for you to support your financial goals. We’ll bring you the best of Macquarie’s expertise, drawing on our vast network of banking and investment professionals to collaborate with you and your advisers – achieving better outcomes together.
Considered advice
Building strategic solutions with you, for you, with confidence
Your strategy should be individual and multifaceted – and planned taking into account all areas of your portfolio, including debt to equity, your tax situation and time horizons. By leveraging our banking expertise, extensive investment experience and global research capabilities, we can help you see opportunities others miss. Your Private Banker will work alongside you to personally help you make informed, timely and astute financial decisions.
Empowering insights
Exclusive access to Macquarie’s expertise and insights
At The Private Bank, we give you and your family access to comprehensive insights in fields of personal interest. Whether you’re focused on market trends, asset allocation, impact investing, philanthropy or inspiring the next generation to manage their money, we can tailor insights and educational information for all levels of sophistication. It’s part of our commitment to empowering you and your family to become key contributors in your own wealth journey.
Enduring prosperity
Helping you prepare the next generation and make a lasting impact
The Private Bank is also here to help you give your loved ones confidence in their financial future. It’s about much more than efficiently passing on wealth – it’s about preparing the next generation to take responsibility for your legacy.
We’ll work with you to safeguard your future wealth and build financial acumen in your heirs. The family legacy we create together will be generational in scope. If you are a philanthropist, we can help you achieve lasting, positive change in the world.
Strategic banking
Enjoy personalised banking to support your wealth goals – and your family’s needs. Be looked after by our dedicated team of banking specialists who understand your needs and ensure decision makers take your unique situation into account.
Access award-winning digital banking1 and easily manage all of your banking needs in one place, including cash management accounts, linked transaction and savings accounts, credit cards and home loans.
Home loans
Working with our dedicated Personal Banking Team, they will assist with your home loan enquiries, from purchases to refinances and can assist your family members on the journey too.
- Offset home loan – Have the flexibility to use your savings to reduce the interest you pay. With up to 10 offset accounts per loan account, you can structure your offset accounts in a way that makes your savings work for you.
- Basic home loan – A low fee home loan with competitive rates and no annual fees. You can also enjoy peace of mind knowing you have fee-free access to additional funds in your redraw.
Business banking
When it comes to your business, Macquarie offers more than banking. We work with professional fee for service and property services businesses, across a wide industry spectrum. When you work with us, you’ll have a dedicated relationship management team, supporting you with knowledge, contacts, and customised services that can help you navigate the challenges and opportunities of running a business.
We offer tailor-made deposit, lending and payment solutions, and the tools you need to be more efficient in order to grow your business.
Everyday banking
Open an award-winning* transaction account, with no fees or minimum deposit. Link a savings account to easily transfer funds into a high-interest earning account.
Transaction account
- Enjoy a refund on fees incurred at all ATMs in Australia.
Saving account
- Enjoy a competitive welcome variable rate in your first savings account.
- No fees, withdrawal penalties or deposit conditions.
Cash Management Accounts
Make the Macquarie Cash Management Account (CMA) the centre of your wealth ecosystem and benefit from transparency, detailed reporting and no monthly account keeping fees.
- Flexibility and control for you and your private banker, including capability for bankers to make payments on your behalf.
- By integrating with term deposits, our high interest Accelerator Account and Vision platform, the Macquarie CMA becomes an efficient cash hub.
- Simple account opening and no minimum deposit conditions.
Credit cards
Discover the Macquarie Black Card
- Earn generous Macquarie Reward Points2 on eligible purchases.
- Access a range of complimentary insurances.6
- We don’t charge international purchase fees when you shop with an international online retailer.4 Receive the Visa foreign exchange rate, with no additional fees or charges.
- Add up to 4 additional cards with no annual fees.
- We are making important changes to our Macquarie Credit Cards that become effective on 1 July 2024. These changes impact fees and the earning and redemption of Macquarie Rewards points. Please refer to the support page for details of these changes at: macquarie.com.au/help/general/credit-card-changes.html
Our clients often move through life at pace. We can reach back into the Macquarie global network to find them the right advice, idea, product or solution – fast.
Edwina Kho
Private Banker
Together, we’ll decide how best to grow and preserve what you’ve created.
Access to Macquarie global research and investment, business and philanthropy thought leaders.
Create a meaningful and enduring legacy and build financial knowledge across your family.
Banking and borrowing solutions
Personal and business banking to complement your wealth management, orchestrated in a strategy
Work with us to build the financial foundations for long-term sustainable success.
Speak to our concierge about becoming a client
Macquarie Private Bank's services are available to selected clients only at Macquarie’s discretion.
This information is provided by Macquarie Private Bank, a division of Macquarie Bank Limited ABN 46 008 583 542, AFSL 237502 (“MBL”). It does not take into account your objectives, financial situation or needs. You should consider whether its suitable for you and your personal circumstances.
Home loans, savings accounts, transaction accounts and credit cards are provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502.
Our internet banking platform has won a Mozo Experts Choice Award in the Internet Banking category for 2019/2020.
Macquarie Reward points are earned on up to $200,000 of spend annually on the Macquarie Visa Platinum Card and no points cap on the Macquarie Black Card. Macquarie Rewards are subject to the Macquarie Rewards Program Terms and Conditions. Macquarie Reward points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Macquarie Rewards Program Terms and Conditions.
We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.
The insurance on Macquarie Cards is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions, excesses and exclusions contained in the Macquarie Bank Platinum Card group policy of insurance or in the Macquarie Bank Black Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. This information does not take into account your objectives, financial situation or needs. It is important for you to read Macquarie Bank Platinum Card Insurance Terms and Conditions or Macquarie Bank Black Card Insurance Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.
Macquarie's Savings and Transaction Account were both awarded Canstar's Outstanding Value Transaction Account and Outstanding Value Savings Account in April 2021.
Wallet Guard and Purchase Security Cover are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687) (Chubb) and are subject to the terms, conditions, excesses and exclusions contained in the Card Insurance Master Policy between Macquarie Bank and Chubb. This information does not take into account your objectives, financial situation or needs. It is important for you to read the Macquarie platinum benefits and consider the appropriateness of the insurances in relation to your individual requirements.
Asset finance, car sourcing and related services are provided by Macquarie Leasing Pty Ltd ABN 38 002 674 982 Australian Credit Licence 394925 (Macquarie Leasing). Information on this page does not take into account your objectives, financial situation or needs and does not constitute an offer capable of acceptance. All applications are subject to the satisfaction of approval criteria. Terms, conditions, fees and charges apply.
Business Banking information is issued by Macquarie Business Banking, a division of Macquarie Bank ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. It doesn’t take into account your objectives, financial situation or needs, nor is it intended as a substitute for any accounting, tax or other professional advice, consultation or service – please consider whether it’s right for you.
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