Macquarie Bank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Macquarie Bank in Australia is a full service bank covering savings, transaction accounts, home loans, credit cards and business banking. It keeps everyday saving straightforward through digital tools and personalised guidance for people managing personal and business money together in one place.
Key facts
- Best for
- Straightforward digital saving alongside everyday banking
- Legal entity
- Macquarie Bank Limited↗
- Headquarters
- Australia↗
- Founded
- 1969↗
- Support channels
- Chat, Help-centre↗
- Official website
- macquarie.com.au
Mortgages
Credit cards
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Covers savings alongside transaction accounts, home loans and credit cards
- Provides digital banking with personalised intelligence features for everyday organisation
- Includes business banking alongside personal everyday accounts in one place
- Publishes guidance for hardship, financial abuse, complaints and scams
Cons
- Australian operation without coverage across other regions
- Digital centred service without branch based account management
Who it suits
- Savers wanting simple digital account management
- Households managing personal money alongside business needs
- Borrowers seeking home loans alongside savings
Who should look elsewhere
- People wanting branch based account management
- Savers living outside the Australian market
Who runs it
Macquarie Bank Limited operates as a bank covering everyday personal finance and business needs. The business runs transaction accounts and savings accounts alongside home loans and credit cards. Online banking sits at the centre of the offer, supported by digital tools under the Macquarie Intelligence name. The same company also handles business banking, so personal and commercial customers use one banking provider. Its range centres on deposits, borrowing and cards rather than a narrow savings only operation. Support is arranged through online help resources and tailored assistance for different customer needs.
Safety and regulation
Safety and standards at Macquarie Bank Limited sit within recognised Australian banking frameworks. The business follows an industry conduct code created by the national banking association for staff and representatives. Published details come from an entity holding Australian financial services and credit authorisation numbered 237502. Customers can raise complaints directly and ask for help with hardship linked to difficult life events or concerns about financial abuse. Guidance on reporting scams and tracking fraud trends remains available, alongside answers for managing accounts.
How Macquarie Bank compares
Where Macquarie Bank is available
- Available
- Australia
- Licence in Australia
- Australian Prudential Regulation Authority (APRA), checked September 26, 2026
- Licence in Australia
- Australian Securities & Investments Commission (ASIC), checked September 26, 2026
- Licence in Australia
- AUSTRAC, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Macquarie Bank offer for savings?+
Macquarie Bank provides a savings account built for simple digital management. The account sits alongside transaction accounts inside online banking. Personalised tools under the Macquarie Intelligence name support everyday organisation for people building balances over time.
Which other products does Macquarie Bank provide?+
Macquarie Bank covers transaction accounts, home loans and credit cards alongside savings. Online banking links the range for everyday money management. Business banking is also available for commercial customers and includes personalised service and expertise for strategic needs.
Where does Macquarie Bank operate?+
Macquarie Bank operates as an Australian bank under Macquarie Bank Limited. Its products and support frameworks reflect Australian banking standards and codes. Savers and borrowers use an Australia based banking provider for accounts, loans and cards.
What digital banking tools does Macquarie Bank provide?+
Macquarie digital banking brings accounts, guidance and personalised tools together in one online experience. An AI agent answers questions inside the digital service alongside broader answers for account management. Macquarie Intelligence adds more intuitive organisation shaped by banking expertise and technology.
Where is Macquarie Bank based?+
Macquarie Bank is based in Australia. (Source, checked September 26, 2026)
When was Macquarie Bank founded?+
Macquarie Bank was founded in 1969. (Source, checked September 26, 2026)
How can I contact Macquarie Bank support?+
Macquarie Bank offers support through Chat, Help-centre. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Macquarie_Group checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“Macquarie was founded on 10 December 1969 as Hill Samuel Australia Limited (HSA)”
- finder.com.au/home-loans/macquarie-bank checked September 26, 2026
Backs: APRC, Initial rate, Maximum loan to value, Product fee, Purpose
“Macquarie Bank Offset Home Loan Package ... Comparison Rate 6.29%”
- macquarie.com.au/everyday-banking/credit-cards.html checked September 26, 2026
Backs: Card kind, Credit needed
“Macquarie RateSaver Card”
- macquarie.com.au/everyday-banking/credit-cards/fees-and-c... checked September 26, 2026
Backs: Annual fee, APR, Currency conversion fee
“RateSaver Card: $69”
- macquarie.com.au/help/personal/credit-cards checked September 26, 2026
Backs: Support channels
“Digital Chat via Q in app/online banking, Help Centre”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit, Deposit protection.