Macquarie Bank are stopping traditional direct debit payments.

This information is provided on behalf of the owners corporation or body corporate. Macquarie Bank will no longer offer traditional direct debits – please update your payment arrangements to a biller-initiated direct debit.

What’s changing for strata, body corporate or owners corporation payments, including levies

On 30 June 2025, Macquarie Bank will stop traditional direct debit payments. This means your current direct debit arrangements will become inactive. If you don’t do anything, your direct debits will end, and you’ll need to manually pay your levies from 1 July 2025.

Owners who want a direct debit option need to set up a biller-initiated direct debit within DEFT.

Setting up a biller-initiated direct debit

To set up a biller-initiated direct debit via DEFT, please follow these simple steps:

  1. Go to DEFT.com.au and login or register
  2.  Click ‘DEFT reference numbers’
  3. Add the DEFT reference number for your lot(s) – you can find this on a recent levy notice
  4. Tick ‘Debit authorisation (Biller-initiated)’
  5. Add your payment method (bank account, credit card or debit card)

If you don’t follow all steps detailed above your biller-initiated direct debit will not be set up and your account is at risk of arrears.

Other payment methods are available. See your levy notice for more details.

Frequently asked questions

Navigating the direct debit changes from 30 June 2025 – your questions answered

Welcome to our FAQ guide, designed to equip you with insightful knowledge and answer your most pressing questions. We hope this guide serves as an invaluable resource. So, let’s demystify any uncertainties you may have, as we believe in promoting transparency and fostering an informed community.

Biller-initiated direct debit is a DEFT payment system managed by Macquarie Bank. It is a payment method that takes the specific amount of your levy from your account on the due date. This is not a one-time permission and is valid even if the levy amount changes.

It’s important to be aware that if there aren’t enough funds in your account on the due date, your account could go into arrears.

Who can set it up:

  • You can start or stop using biller-initiated direct debit whenever you want.
  • Anyone can set up biller-initiated direct debit, not just the account owner. For example, a parent could set it up for a child’s account.
  • Strata managers cannot start or stop biller-initiated direct debits as it is linked to your bank details through the DEFT system managed by Macquarie Bank.

This change only applies to your existing direct debit arrangements for levy payments. You can still pay through other methods as usual, such as by BPAY, Australia Post, or directly through DEFT.com.au.

Here is what you need to know if you have an existing direct debit:

Before 30 June 2025

  • Current direct debits will remain effective until 30 June 2025.
  • Owners who want to continue using direct debits will need to set up a biller-initiated direct debit via DEFT.com.au before 30 June 2025.
  • Biller-initiated direct debit setups will not start taking payments until after 30 June 2025. Owners who have registered for biller-initiated direct debit will continue using existing direct debits or manually process payments that are due prior to 30 June 2025.

After 30 June 2025

  • Existing direct debit arrangements will be cancelled by Macquarie Bank from 30 June 2025.
  • Owners with an existing direct debit that don’t register for biller-initiated direct debits will not have payments taken after 30 June 2025 and will go into arrears if they do not make alternate arrangements.
  • Biller-initiated direct debit setups will start after 30 June 2025. Owners who have registered for biller-initiated direct debit will be transitioned over to this new system for payments due after 30 June 2025.

This change applies to any direct debits you currently have for the property, regardless of the bank you’re with.

If you would like to continue using direct debits after 30 June 2025, you need to register for biller-initiated direct debits through DEFT.com.au. To set up biller-initiated direct debits, follow the steps under the ‘How to register for biller-initiated direct debits’ in the next section.

To set up biller-initiated direct debit, you will need to know the property’s unique DEFT reference number. You can learn more about how to find this number in the following section. If you have already registered with DEFT, you can follow the steps below to set up biller-initiated direct debits:

If your profile does not have the property's DEFT reference number:

Visit deft.com.au and register or sign in to your account.

Go to 'DEFT reference numbers' and locate the DEFT reference number for the property for which you wish to set biller-initiated direct debits.

Click 'Add DEFT reference number' and follow the prompts to register the property that you wish to authorise direct debits for.

Tick' Direct debit authorisation (Biller-initiated)' circle, select a payment method and click 'Add' to finish setting up your biller-initiated direct debit payment.

If your profile already has the property's DEFT reference number:

Visit deft.com.au and register or sign in to your account.

Check that you've cancelled any outstanding active schedules on the DEFT reference number for the property that you wish to set biller-initiated direct debits by going to 'Schedule payments', then Selecting 'Edit' and selecting 'Delete'. Note: If you don't cancel any outstanding active schedules, a warning will pop up when you try to add DEFT biller-initiated direct debit.

Go to 'DEFT reference numbers', select the DEFT reference number for the property that you wish to authorise direct debits for and click 'Edit'.

Tick' Direct debit authorisation (Biller-initiated)', select a payment method, and click 'Update' to finish setting up your biller-initiated direct debit payment.

To set up biller-initiated direct debit, you will need your property’s unique DEFT Reference Number. You can find this on your levy notice or the levy payment section in the CommunityHub portal as outlined below.

Levy notice:
CommuityHub portal:

To check if you have direct debits set up correctly, you can follow the below steps: 

  1. Visit deft.com.au and sign into your account
  2. Go to ‘DEFT reference numbers’.
  3. Check that ‘Direct debit authorised’ shows under each DEFT Reference Number in the ‘DEFT reference numbers section’.

 

This means that the direct debit is now active. You can update this anytime by clicking ‘Edit’ next to the DEFT reference number. You can also cancel this arrangement by clicking on ‘Edit’ and then unchecking the black tick to remove biller-initiated direct debit.

For levies due after 30 June 2025

biller-initiated direct debits will apply to the next levy due after you’ve successfully registered this payment method through DEFT as highlighted below.

This means that If you register for a biller-initiated direct debit arrangement before 30 June 2025, the payment will be taken for the next levy due after 1 July 2025.

Please note: biller-initiated direct debit cannot be used to facilitate arrears or payment plan arrangements. Payment must be for the due levy amount in full.

Once you’ve set up biller-initiated direct debit on DEFT, you can cancel this arrangement anytime by following the below steps:

  1. Log in via deft.com.au
  2. Click ‘DEFT reference numbers’ at the top of the page.
  3. Select the DEFT reference number you would like to cancel and untick ‘Direct debit authorisation (Biller-initiated)’.
  4. Click ‘Update’ to complete the change.
  5. Once done, you’ve successfully cancelled your direct debit, and no further payments from the following business day will be made. Please note that if you have a payment pending, it will still be debited.

Once you’ve set up a biller-initiated direct debit on DEFT, you can update the payment method on this arrangement anytime by following the below steps:

  1. Log in via deft.com.au
  2. Click ‘DEFT reference numbers’ at the top of the page.
  3. Select the DEFT reference number you want to update and change the payment method associated with this biller-initiated direct debit.
  4. Click ‘Update’ to complete the change.

For more information on how to set up DEFT payment methods,  you can visit the DEFT FAQ website here or view the DEFT guide for payers here.

Alternatively, you can also contact DEFT on 1800 672 162 for further assistance with troubleshooting issues on your DEFT accounts.

If you encounter any issues accessing or opening links, please visit the official deft.com.au websites below:

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