{
  "_id": "review.macquarie-savings",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "Rate drops after introductory period unless reset"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "46008583542",
    "bankingDetails": {
      "afslLicence": "AFSL 237502",
      "bonusRate": 5,
      "features": [
        "No conditions to earn bonus rate",
        "Award-winning app",
        "Up to 4 months intro rate"
      ],
      "minimumDeposit": 0,
      "monthlyFee": 0,
      "productType": "savings"
    },
    "foundedYear": 1969,
    "name": "Macquarie Savings Account",
    "regulator": "AFSL 237502",
    "slug": {
      "_type": "slug",
      "current": "macquarie-savings"
    },
    "vertical": "au-banks",
    "website": "https://www.macquarie.com.au/everyday-banking/savings-account.html"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "Unlike ING, Westpac and most majors, Macquarie pays the bonus rate without requiring you to make qualifying transactions each month — a meaningful win for irregular earners.",
      "heading": "No-hoops bonus rate"
    },
    {
      "body": "The headline rate is offered for the first 4 months on new accounts. Existing customers should call to extend or risk reverting to the lower ongoing rate.",
      "heading": "Introductory period rolls"
    },
    {
      "body": "Macquarie consistently tops the App Store charts for Australian banking apps. Categorisation, search and round-ups are notably better than the Big Four.",
      "heading": "App quality is best-in-class"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Savings Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 4.5,
  "pros": [
    "No monthly deposit or transaction conditions to earn the bonus rate"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Unconditional bonus rate — no monthly hoops — at a slight premium to peers with conditions.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "macquarie-savings"
  },
  "status": "published",
  "title": "Macquarie Savings Account — savings account review"
}