Provider
LiveMacquarie
As of 18 September 2026, Macquarie has 19 products across five of the 8 pillars BankMate tracks: 1 savings account, 3 credit cards, 2 home loans, 1 term deposit and 12 super products. Its highest-placed product is Macquarie Term Deposit at 5.35% p.a. for 1 year, 18th of 590 12-month deposits. Its rates last moved on 16 September 2026.
- Pillars
- 5 of 8
- No personal loans, share trading, crypto exchange
- Products tracked
- 19
- 1 savings account · 3 credit cards · 2 home loans
- Highest placed
- #18
- Macquarie Term Deposit · of 590 12-month deposits
- Last change
- 16 Sept 2026
- 12 changes on record
What changed
12 changes across 2 pillars since 1 Mar 2026- Term depositsMacquarie Term Deposit · 20 terms up 0.04 to 0.05mixed
- 6-month 5.15 → 5.20
- 6-month 5.15 → 5.20
- 6-month 5.12 → 5.17
- 6-month 5.12 → 5.17
- 6-month 5.10 → 5.14
- 6-month 5.10 → 5.14
- 9-month 5.20 → 5.25
- 9-month 5.20 → 5.25
- 9-month 5.13 → 5.18
- 9-month 5.13 → 5.18
- 9-month 5.11 → 5.16
- 9-month 5.11 → 5.16
- 12-month 5.30 → 5.35
- 12-month 5.30 → 5.35
- 12-month 5.30 → 5.35
- 12-month 5.30 → 5.35
- 12-month 5.20 → 5.25
- 12-month 5.20 → 5.25
- 12-month 5.18 → 5.22
- 12-month 5.18 → 5.22
- Term depositsMacquarie Term Deposit · 28 terms up 0.05 to 0.15mixed
- 3-month 5.00 → 5.05
- 3-month 5.00 → 5.05
- 3-month 4.98 → 5.03
- 3-month 4.98 → 5.03
- 4-month 5.00 → 5.05
- 4-month 5.00 → 5.05
- 4-month 4.97 → 5.02
- 4-month 4.97 → 5.02
- 6-month 5.05 → 5.15
- 6-month 5.05 → 5.15
- 6-month 5.02 → 5.12
- 6-month 5.02 → 5.12
- 6-month 5.00 → 5.10
- 6-month 5.00 → 5.10
- 9-month 5.10 → 5.20
- 9-month 5.10 → 5.20
- 9-month 5.04 → 5.13
- 9-month 5.04 → 5.13
- 9-month 5.02 → 5.11
- 9-month 5.02 → 5.11
- 12-month 5.15 → 5.30
- 12-month 5.15 → 5.30
- 12-month 5.15 → 5.30
- 12-month 5.15 → 5.30
- 12-month 5.05 → 5.20
- 12-month 5.05 → 5.20
- 12-month 5.03 → 5.18
- 12-month 5.03 → 5.18
- Term depositsMacquarie Term Deposit · 20 terms cut 0.04 to 0.05mixed
- 6-month 5.10 → 5.05
- 6-month 5.10 → 5.05
- 6-month 5.07 → 5.02
- 6-month 5.07 → 5.02
- 6-month 5.05 → 5.00
- 6-month 5.05 → 5.00
- 9-month 5.15 → 5.10
- 9-month 5.15 → 5.10
- 9-month 5.09 → 5.04
- 9-month 5.09 → 5.04
- 9-month 5.06 → 5.02
- 9-month 5.06 → 5.02
- 12-month 5.20 → 5.15
- 12-month 5.20 → 5.15
- 12-month 5.20 → 5.15
- 12-month 5.20 → 5.15
- 12-month 5.10 → 5.05
- 12-month 5.10 → 5.05
- 12-month 5.08 → 5.03
- 12-month 5.08 → 5.03
- Term depositsMacquarie Term Deposit · 8 terms cut 0.05−0.05
- Term depositsMacquarie Term Deposit · 28 terms moved in both directionsmixed
- 3-month 4.95 → 5.00
- 3-month 4.95 → 5.00
- 3-month 4.93 → 4.98
- 3-month 4.93 → 4.98
- 4-month 4.95 → 5.00
- 4-month 4.95 → 5.00
- 4-month 4.92 → 4.97
- 4-month 4.92 → 4.97
- 6-month 5.15 → 5.10
- 6-month 5.15 → 5.10
- 6-month 5.12 → 5.07
- 6-month 5.12 → 5.07
- 6-month 5.10 → 5.05
- 6-month 5.10 → 5.05
- 9-month 5.20 → 5.15
- 9-month 5.20 → 5.15
- 9-month 5.13 → 5.09
- 9-month 5.13 → 5.09
- 9-month 5.11 → 5.06
- 9-month 5.11 → 5.06
- 12-month 5.35 → 5.25
- 12-month 5.35 → 5.25
- 12-month 5.35 → 5.25
- 12-month 5.35 → 5.25
- 12-month 5.25 → 5.15
- 12-month 5.25 → 5.15
- 12-month 5.22 → 5.13
- 12-month 5.22 → 5.13
- Term depositsMacquarie Term Deposit · 28 terms moved in both directionsmixed
- 3-month 4.90 → 4.95
- 3-month 4.90 → 4.95
- 3-month 4.88 → 4.93
- 3-month 4.88 → 4.93
- 4-month 4.90 → 4.95
- 4-month 4.90 → 4.95
- 4-month 4.87 → 4.92
- 4-month 4.87 → 4.92
- 24-month 3.57 → 1.99
- 24-month 3.57 → 1.99
- 24-month 3.55 → 1.99
- 24-month 3.57 → 1.99
- 24-month 3.54 → 1.98
- 36-month 3.62 → 1.99
- 36-month 3.62 → 1.99
- 36-month 3.60 → 1.99
- 36-month 3.62 → 1.99
- 36-month 3.59 → 1.98
- 48-month 3.76 → 1.99
- 48-month 3.76 → 1.99
- 48-month 3.76 → 1.99
- 48-month 3.75 → 1.99
- 48-month 3.74 → 1.98
- 60-month 3.76 → 1.99
- 60-month 3.76 → 1.99
- 60-month 3.76 → 1.99
- 60-month 3.75 → 1.99
- 60-month 3.74 → 1.98
Show 6 earlier changes
- Savings accountsMacquarie Savings Account 4.75 → 5.00Base rate 2.50% → 2.75% · 16 days after the RBA rise to 4.35%+0.25
- Term depositsMacquarie Term Deposit · 6 terms up 0.057 days after the RBA rise to 4.35%+0.05
- Term depositsMacquarie Term Deposit · 28 terms up 0.04 to 0.10The day of the RBA rise to 4.35%mixed
- 3-month 4.80 → 4.90
- 3-month 4.80 → 4.90
- 3-month 4.78 → 4.88
- 3-month 4.78 → 4.88
- 4-month 4.80 → 4.90
- 4-month 4.80 → 4.90
- 4-month 4.77 → 4.87
- 4-month 4.77 → 4.87
- 6-month 5.05 → 5.10
- 6-month 5.05 → 5.10
- 6-month 5.02 → 5.07
- 6-month 5.02 → 5.07
- 6-month 5.00 → 5.05
- 6-month 5.00 → 5.05
- 9-month 5.15 → 5.20
- 9-month 5.15 → 5.20
- 9-month 5.09 → 5.13
- 9-month 5.09 → 5.13
- 9-month 5.06 → 5.11
- 9-month 5.06 → 5.11
- 12-month 5.25 → 5.35
- 12-month 5.25 → 5.35
- 12-month 5.25 → 5.35
- 12-month 5.25 → 5.35
- 12-month 5.15 → 5.25
- 12-month 5.15 → 5.25
- 12-month 5.13 → 5.22
- 12-month 5.13 → 5.22
- Term depositsMacquarie Term Deposit · 6 terms up 0.04 to 0.0535 days after the RBA rise to 4.10%mixed
- Term depositsMacquarie Term Deposit · 3 terms up 0.0528 days after the RBA rise to 4.10%+0.05
- Savings accountsMacquarie Savings Account 4.50 → 4.75Base rate 2.25% → 2.50% · 15 days after the RBA rise to 4.10%+0.25
Savings accounts · 1
Total rate, conditions met · ranked among 94 accountsBonus up to $250k
5.00%#50 of 942.75% base + 2.25% bonus
- Balance range
- $0 - $250,000
- Age
- 12+ years
Full savings accounts record for Macquarie →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Macquarie · Compare all savings accounts
Credit cards · 3
Ranked by bonus net of first-year fee · of 51 bonus cardsMacquarie Rewards. · 1
- Annual fee
- $149
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Rewards program
- Macquarie Rewards.
- Base earn rate
- 0.5 Macquarie Rewards. pts per $
- Purchase rate
- 20.70% p.a.
- Cash advance rate
- 20.70% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Macquarie Rewards · 1
- Annual fee
- $249
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Rewards program
- Macquarie Rewards
- Base earn rate
- 0.5 Macquarie Rewards pts per $
- Purchase rate
- 20.70% p.a.
- Cash advance rate
- 20.70% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
No rewards · 1
- Annual fee
- $69
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Rewards program
- None
- Purchase rate
- 15.95% p.a.
- Cash advance rate
- 15.95% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Full credit cards record for Macquarie →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Home loans · 2
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · 70–80% LVR · redraw · no ongoing fee · 65 variants
1y 6.15%2y 6.18%3y 6.21%4y 6.26%5y 6.29%6.11%#12 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 65 variants
1y 6.38%2y 6.41%3y 6.44%4y 6.48%5y 6.51%6.34%#42 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- $21 a month
- Discharge fee
- $400
- Package annual fee
- $248 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Full home loans record for Macquarie →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or quarterly or monthly · from $0 · 9 terms
3 mo 5.05%6 mo 5.20%9 mo 5.25%1 yr 5.35%2 yr 1.99%3 yr 1.99%5 yr 1.99%4 yr 1.99%5.35%#18 of 5901 year
- 3 months
- 5.05% · #6 of 369
- 6 months
- 5.20% · #13 of 547
- 9 months
- 5.25% · #11 of 500
- 1 year
- 5.35% · #18 of 590
- 2 years
- 1.99% · #387 of 394
- 3 years
- 1.99% · #338 of 345
- 5 years
- 1.99% · #145 of 152
- 4 years
- 1.99% · #150 of 157
- Minimum deposit
- $0
- Interest paid
- Annually or Quarterly or Monthly
- Early withdrawal
- Not allowed
Full term deposits record for Macquarie →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Superannuation · 12
10-year return · ranked among options of the same type- Macquarie Master Balanced Fund
Macquarie Super Accumulator · Growth · Platform · performance test passed
8.06%#88 of 3885-yr 7.44% · fee $810 at $50k
- 3-year return
- 11.73%
- 5-year return
- 7.44%
- 7-year return
- 8.14%
- 10-year return
- 8.06%
- Growth allocation
- 76% growth assets
- Total fee at $50k
- $810
- Total fee at $100k
- $1,620
- Admin fee at $50k
- $320
- Performance test
- Passed
- Members
- 360
- Open to new members
- No
- Macquarie Access Balanced SMA
Macquarie Super Consolidator II · Balanced · Platform · performance test passed
—No ten-year return published- 3-year return
- 8.35%
- 5-year return
- 7.24%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 74% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $390
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 1,030
- Open to new members
- Yes
- Macquarie Access Conservative SMA
Macquarie Super Consolidator II · Moderate · Platform · performance test passed
—No ten-year return published- 3-year return
- 4.76%
- 5-year return
- 4.54%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 43% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $390
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 140
- Open to new members
- Yes
- Macquarie Access Growth SMA
Macquarie Super Consolidator II · Growth · Platform · performance test passed
—No ten-year return published- 3-year return
- 10.07%
- 5-year return
- 8.61%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 80% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $390
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 1,430
- Open to new members
- Yes
- Macquarie Access Hi Gro MultiAsset SMA
Macquarie Super Consolidator II · Balanced · Platform · performance test passed
—No ten-year return published- 3-year return
- 11.02%
- 5-year return
- 9.30%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 66% growth assets
- Total fee at $50k
- $310
- Total fee at $100k
- $390
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 1,130
- Open to new members
- Yes
Show 7 more
- Macquarie Diversified Growth Fund
Macquarie Super Accumulator · Growth · Platform · performance test passed
—No ten-year return published- 3-year return
- 13.06%
- 5-year return
- 15.95%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 85% growth assets
- Total fee at $50k
- $865
- Total fee at $100k
- $1,730
- Admin fee at $50k
- $320
- Performance test
- Passed
- Members
- 220
- Open to new members
- No
- Macquarie Evolve Balanced SMA
Macquarie Super Consolidator II · Moderate · Platform · performance test passed
—No ten-year return published- 3-year return
- 8.72%
- 5-year return
- 8.19%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 58% growth assets
- Total fee at $50k
- $525
- Total fee at $100k
- $820
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 450
- Open to new members
- Yes
- Macquarie Evolve Conservative SMA
Macquarie Super Consolidator II · Conservative · Platform · performance test passed
—No ten-year return published- 3-year return
- 5.33%
- 5-year return
- 5.53%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 40% growth assets
- Total fee at $50k
- $520
- Total fee at $100k
- $810
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 50
- Open to new members
- Yes
- Macquarie Evolve Growth SMA
Macquarie Super Consolidator II · Balanced · Platform · performance test passed
—No ten-year return published- 3-year return
- 10.80%
- 5-year return
- 9.90%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 75% growth assets
- Total fee at $50k
- $480
- Total fee at $100k
- $730
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 850
- Open to new members
- Yes
- Macquarie Evolve Hi Gro MultiAsset SMA
Macquarie Super Consolidator II · Growth · Platform · performance test passed
—No ten-year return published- 3-year return
- 11.76%
- 5-year return
- 10.78%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 85% growth assets
- Total fee at $50k
- $505
- Total fee at $100k
- $780
- Admin fee at $50k
- $245
- Performance test
- Passed
- Members
- 940
- Open to new members
- Yes
- Macquarie Evolve Income MultiAsset SMA
Macquarie Super Consolidator II · Balanced · Platform · performance test passed
—No ten-year return published- 3-year return
- 11.67%
- 5-year return
- —
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 62% growth assets
- Total fee at $50k
- $465
- Total fee at $100k
- $930
- Admin fee at $50k
- $130
- Performance test
- Passed
- Members
- 30
- Open to new members
- Yes
- Macquarie Real Return Opportunities Fund
Premium Portfolio Service Super Account · Conservative · Platform · performance test passed
—No ten-year return published- 3-year return
- 7.44%
- 5-year return
- 8.90%
- 7-year return
- —
- 10-year return
- —
- Growth allocation
- 26% growth assets
- Total fee at $50k
- $750
- Total fee at $100k
- $1,500
- Admin fee at $50k
- $305
- Performance test
- Passed
- Open to new members
- Yes
Full superannuation record for Macquarie →
MySuper returns are net of all fees for a $50k member; Choice returns are net investment returns before admin fees, as APRA publishes them. Compare all super options · Super report
Macquarie has no personal loans, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on Macquarie
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