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Fees and Charges

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We pride ourselves on providing personal and efficient financial services at the lowest possible cost to our members. We believe in offering our members the opportunity to transact fee free and our Member Loyalty Program has been designed with this in mind.

Below you will find information on the fees and charges applicable to the Credit Union’s products and services. A proportion of these fees are payable to third parties.

The Credit Union’s policy is to adopt a system of rewarding members based on their level of commitment to the credit union and only charging fees for excess transactions.

All members under 18 years of age benefit from unlimited fee free transactions under the Member Loyalty Program.

If you have any questions regarding your account or our services, please do not hesitate to contact us on 1300 885 480 or via email to


How To Avoid Paying Transaction Fees

  • Internet & Mobile Banking: access details of balances & transactions; transfer funds between your own account; transfer funds to another Macquarie Credit Union account; transfer funds externally and BPAY® your bills.
  • Visa: use your Visa Debit Card wherever the Visa symbol is displayed. Specify that you wish to pay by Visa, press the “Credit” button and enter your PIN
  • Pay your regular payments by Direct Debit.
  • If using EFTPOS to pay for goods, withdraw cash in the one transaction.
  • Plan your cash withdrawals. Withdraw larger amounts less frequently from ATMs.
  • Always ensure you have sufficient cleared funds in your account to cover all withdrawals.

Fee Free Transactions

  • All deposits/credits including direct credits, National Australia Bank deposits, Quickdebits, over the counter and Bank@Post.
  • Internet Banking – External/Internal Transfers and BPAY®
  • Direct Debits
  • Visa Retail/Merchant “Credit” transactions
Please download a full list of our current fees and charges
Loan Fees & Charges
Fees and Charges (Effective 01 November 2023)


If you have any questions, please contact us Contact Us


® Registered to BPAY Pty Ltd ABN 69 079 137 518

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