RACQ Bank
Transaction & Savings Accounts
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Our Everyday Account is a straightforward 'at call' transaction account with no account keeping or ongoing transaction fees, and provides access to your money 24/7 through internet and mobile banking, along with Mobile pay and PayID accessibility.
Our Bonus Saver Account rewards members for saving by providing bonus interest when you deposit at least $100 and make no debit transactions during the month.
Our eSave Account is an online savings account that allows you to earn a competitive rate of interest while your money remains 'at call'. Access to the account is available via internet banking and phone banking only.
Our Advantage Plus Account is a straightforward 'at call' transaction account available exclusively to members aged 55 years and over. This account enables you to manage your everyday banking while earning a competitive rate of interest.
Our Business Unsecured Current Account is an 'at call' transaction account for non-personal entities, such as sole traders, partnerships etc.
Our Everyday Mortgage Offset Account is designed exclusively for members with an eligible RACQ Bank variable home loan. It is a 100% offset account that allows members to use their savings to reduce the interest and term on their home loan. The funds in your Everyday Mortgage Offset Account are 'at call', allowing complete flexibility and providing benefits to your residential mortgage.
Term Deposits
1A Term Deposit is an investment account where the interest rate is guaranteed not to change for the whole of the nominated term. It gives you the security of knowing that your interest income is protected against changes in market conditions.
Home Loans
20Our Mortgage Saver home loan is a straight forward, basic variable home loan with a low variable rate. With no ongoing fees, unlimited additional repayments and free redraw you can reach your property goals sooner.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our Fair Dinkum Investment Home Loan is a basic home loan with a lower variable rate, no ongoing fees and unlimited additional repayments without the extras like a redraw facility and offset account.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our Mortgage Breaker Investor interest only variable home loan gives you the flexibility to make unlimited additional repayments.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our Mortgage Breaker Investor principal and interest variable home loan gives you the flexibility to make unlimited additional repayments. You can also save on interest while having access to your money with our 100% offset account.
Our fixed rate home loans provide security of fixed repayments and allows for additional repayments up to $10,000 per annum.
Our Fair Dinkum home loan is a basic home loan with a lower variable rate, no ongoing fees and unlimited additional repayments without the extras like a redraw facility and offset account.
Our Mortgage Breaker Owner Occupier variable home loan gives you the flexibility to make unlimited additional repayments and have access to free redraw. You can also save on interest while having access to your money with our 100% offset account.
The RACQ Bank Green Home Loan is a loan product that assists you to purchase eligible clean energy products for your home.
The RACQ Bank Green Home Loan Investment is a loan product that assists you to purchase eligible clean energy products for your home.
Personal Loans
7RACQ Bank wants to give you more freedom when it comes to your personal finances. It doesn’t matter if it’s a wedding, holiday or even a boat, when it comes to getting more from your personal loan, trust RACQ Bank and reach your goals sooner.
RACQ Bank wants to give you more freedom when it comes to your personal finances. It doesn’t matter if it’s a wedding, holiday or even a boat, when it comes to getting more from your personal loan, trust RACQ Bank and reach your goals sooner.
RACQ Bank wants to give you more freedom when it comes to your personal finances. It doesn’t matter if it’s a wedding, holiday or even a boat, when it comes to getting more from your personal loan, trust RACQ Bank and reach your goals sooner.
Take out a secured car loan with RACQ Bank so you can purchase an electric car. Car finance with RACQ Bank means you'll receive the same low interest rates for car loans on new electric cars up to 12mths old.
RACQ Bank wants to give you more freedom when it comes to your personal finances and supporting your sustainable future. Whether it's for solar panels, a home battery, an e-scooter or making your life greener in general, when it comes to getting more from your personal loan, trust RACQ Bank and reach your goals sooner.
Take out a secured car loan with RACQ Bank so you have the flexibility to choose a car that is suited to your lifestyle. Car finance with RACQ Bank means you'll receive the same low interest rates for car loans on new or used cars.
We can consolidate your debt into one, easy to manage unsecured debt consolidation loan.
Business Loans
2Our Commercial Loan (IO) is a variable rate loan for commercial purposes.
Our Commercial Loan (P&I) is a variable rate loan for commercial purposes.
Overdrafts
2Our Business Secured Current Account is an overdraft product for business or investment purposes.
Our Home Loan Overdraft is a variable rate secured overdraft product for residential purposes.
Data published by RACQ Bank under the Consumer Data Right · ABN 83087651054 · Register entry updated 1 July 2026 · View on CDR.gov.au