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Bank Accounts

Macquarie Transaction Account

Zero-fee everyday account with no FX fees and a well-regarded mobile app.

Est. valueSaves ~$5/month in account fees + ~2–3% FX fee savings on overseas purchases
RegionAU

What you get

No monthly fees, no foreign transaction fees on the debit card, no international ATM fees at eligible overseas ATMs; pairs with Macquarie Savings Account for competitive bonus interest; highly rated digital experience.

Before you start

  • AU resident
  • 18+
  • AU mobile number

How to join

  1. 1
    Apply online at macquarie.com.au

    Requires AU mobile number, email, TFN, and identification (passport or driver's licence).

  2. 2
    Download the Macquarie app and add your card to Apple Pay or Google Pay
  3. 3
    Optionally open a Macquarie Savings Account to earn bonus interest

    Bonus interest requires meeting monthly deposit conditions — check current terms.

Risks

  • Fully digital bank — no physical branches
  • Bonus interest on savings requires meeting monthly deposit conditions
  • International ATM fee-free access applies at specific ATM networks; verify before travelling
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