Approve or Deny using Macquarie Authenticator

The Macquarie Authenticator app (Authenticator app) sends actionable push notifications to your device, asking you to approve or deny transactions or account changes. It puts you in control so you can review transaction details like bank account, payee, and payment details upfront, so you can authorise transactions and account changes before they happen and know exactly what you’re approving.

For example, you may receive notifications asking you to:

• Authorise payments 
• Authorise change of password  
• Verify log in  
• If you have an adviser, authorise adviser-initiated payments
• Downgrade your security settings. Please note: You're not required to authenticate when you upgrade your security setting from Enhanced to Ultimate.

An actionable push notification is a banner that slides into view on your mobile device with a direct link to the Authenticator app. You’ll see information about the account activity so you can feel confident to approve or deny. This is our recommended method as it’s fast and very secure. You’ll need to have notifications enabled on your mobile device to receive actionable push notifications.

1. To use Authenticator, you must enable push notifications. On your mobile device, you’ll receive a push notification pending your approval 
2. Select the push notification or open the Authenticator app on your device

3. Log in using your pin or biometrics (face or fingerprint)

4. Any pending approvals will also appear under Tasks in the bottom left corner

5. Select the request or payment you’d like to review from the list of tasks
6. Review the request or payment to ensure you know exactly what you are approving/denying
7. Select ‘Approve’ or ‘Deny’ buttons at the bottom of the screen.

In all likelihood you should not be receiving a push notification that you or your financial adviser did not action. However, this could occur in scenarios such as:

• Clicking resend verification and receiving a delayed push notification due to slow network connectivity
• A transaction that is suspected to be fraudulent.

If you received a push notification that is suspected to be fraudulent, you should deny the action immediately to stop the action from completing. You should then immediately change your password and call us to report the incident.

1. Click Deny on the push notification
2. Click Change password 
3. Follow the change password prompts
4. Call us on the relevant number below, to report the suspected fraudulent transaction:

• Grow Wrap: 1800 095 825 (Overseas +612 5501 1744)
• Voyage: 1800 892 353 (Overseas +612 5501 1744)
• PortfolioOne: 1800 675 831 (Overseas +612 5501 1744)

You may not be able to verify a transaction or activity with a push notification if you:

• can’t access the internet or have limited mobile reception
• haven’t enabled push notifications on your mobile device
• have enabled the ‘Do not disturb’ function or scheduled to receive notifications during certain times of the day on your device
• have enabled "Offload unused apps" (iOS) or "Archive app" (Android 15) enabled.

If this happens, please check that you have notifications enabled for the Authenticator app and try again by clicking on Resend verification.

To enable device notifications for the Authenticator app:

1. On your device, select Settings
2. Select Notifications under your device settings
3. Select the Authenticator app
4. Toggle on Allow notifications.

If you have previously registered your Access Code for Authenticator but did not enable push notifications as part of the registration process, please ensure you select Enable on the Tasks page of Authenticator to finalise the set up.