{
  "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/202",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "202",
    "lastUpdated": "2026-05-18T22:23:22Z",
    "productCategory": "OVERDRAFTS",
    "name": "Home Loan Overdraft",
    "description": "Our Home Loan Overdraft is a variable rate secured overdraft product for residential purposes.",
    "brand": "RACQ Bank",
    "brandName": "RACQ Bank",
    "applicationUri": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=home-loan",
    "isTailored": false,
    "additionalInformation": {
      "feesAndPricingUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
    },
    "cardArt": [
      {
        "imageUri": "https://cdn.intelligencebank.com/au/share/0Mvj/AjaY3/eEpDW/original/3498743_RACQ_pW_VISA_Debit_Recy",
        "cardScheme": "VISA",
        "cardType": "DEBIT"
      }
    ],
    "features": [
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OVERDRAFT"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit card"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Bank Recall",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A request to attempt to recall funds transferred to another account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Card / PIN Postage (International)",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged when your mailing address is outside of Australia and a card or PIN is mailed.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Foreign currency conversion fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "2.75",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "For any transaction made overseas or in a foreign currency, a fee of 2.75% of the total  transaction value (in Australian Dollars) will be charged. The fee applies to: • Transactions made physically overseas. • Transactions made in a foreign currency, regardless of whether you’re in Australia or  another country. • Transactions processed by overseas merchants, even if the purchase or action takes  place within Australia or in Australian Dollars.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Discharge Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for standard partial or full discharges. Fee charged per property.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Audit Certificate",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "A certificate for Audit purposes. Fee charged per certificate.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Bank Trace",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "A request to trace the origin or final destination of funds either sent to or from your account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee\"",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each company or trust borrower / guarantor party on the loan.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Valuation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "The cost of the first valuation for a new security is covered by RACQ Bank. Any additional valuation required on an existing security will be payable by the member at cost.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Overseas Telegraphic Transfer in Australian Dollars",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "60.00"
        },
        "currency": "AUD",
        "additionalInfo": "Transfer of funds to an overseas bank in AUD rather than local currency. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Overseas Telegraphic Transfer in Local Currency",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Transfer of funds to an overseas bank in the currency used locally. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Card / PIN via Courier (International)",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged when a card and/or PIN has been requested to be sent via courier to an address outside of Australia. Charged at cost in line with the international courier's charge.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Cash Request",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Cash withdrawals of more than $5,000 require 24 hours' notice. Cash delivery charges, levied by the cash provider to RACQ Bank, are passed on at cost for large withdrawals. The charge is determined at the time of the request and may vary according to location.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Card / PIN via Courier (within Australia)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a card and/or PIN has been requested to be sent via courier to an address within Australia. Fee charged per item sent.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Emergency Replacement Card through Visa (International)",
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when an emergency replacement card has been requested through VISA outside of Australia.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Bank@Post Cheque Dishonour",
        "feeType": "DISHONOUR",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "If you deposit a cheque via Bank@Post and it is dishonoured, a fee will be directed to your account. This fee is then refunded by RACQ Bank.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Loan Document Fee - Top Up",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for a further advance against existing security. Valuation fee at cost.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Substitution of Mortgage Security",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per property.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Dishonour - Manual",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "22.00"
        },
        "currency": "AUD",
        "additionalInfo": "Dishonour at member's request.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Visa Chargeback",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "27.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a Visa Debit transaction is disputed. Refunded if transaction deemed fraudulent.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Default Enforcement Expenses",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "May apply if enforcement services are required as part of default administration.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Telegraphic Transfer - Outward (within Australia)",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "Funds transferred via the SWIFT network to another financial institution within Australia for same day payment (also known as a Wire or RTGS payment).",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Dishonour",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Where a Cheque or Direct Debit is not honoured. For example, a payment would be dishonoured if you do not have sufficient available funds in your account.",
        "additionalInfoUri": "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
      },
      {
        "name": "Document Preparation and Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "550.00"
        },
        "currency": "AUD",
        "additionalInfo": "Document Preparation and Settlement Fee includes the cost of title search, document preparation and settlement fees - document generation, distribution of documents, verification of returned documents, verification of search requirements, settlement booking, settlement attendance (PEXA or paper) and lodgement of title documents.",
        "additionalInfoUri": "https://www.racq.com.au/banking/forms-and-documents"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0900",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "lendingRateType": "VARIABLE",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      }
    ]
  }
}