Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
While the design may have changed, rest assured that everything you love about banking with us remains the same—secure, reliable, and easy to use. Enjoy our fresh look and improved features.
Everyday Banking
Everyday accounts for day-to-day living with flexible, at call access to your money so you use, move and manage your money.
Get a monthly boost on your savings
Get a boosted interest rate of 5.00%.
Terms and conditions apply.
Invest your money
With competitive fixed interest rates of 4.75% p.a.
6-8 month Term Saving Deposit (Amounts $1,000 to $500,000). Terms and conditions apply.
Support Your Community with Every Transaction
Every transaction you make helps fund initiatives that matter to you, making a positive impact in your community.
We have been helping regional Australians achieve their lifestyle goals for more than 50 years
Customer-owned
We want to play an active and influential role in our communities, and empower the people and businesses of regional Australia to achieve great things. We pledge more than 5% of our profits back into grass roots community initiatives. We take pride in calling regional Australia our home.
Sustainably-focused
Regional Australia Bank is proud to be a Bronze Partner in the NSW Government’s Sustainability Advantage program. We are now working towards becoming a Silver Partner; to do this we need to demonstrate significant environmental achievements and we are well and truly on the way to achieving our target.
Digital Payment Solutions
Apple Pay
Apple Pay is a digital wallet that turns your compatible iPhone, Apple Watch, Mac or iPad into a secure, contactless payment device. Shop in stores and on selected apps and websites with the same device you carry or wear every day. You can be confident your details are safe, because when you use Apple Pay, your card number is never shared with the merchant or saved on your device.
Google Pay
For easy tap and go payments with no card required, simply download the Google Pay App to your Android phone or compatible smartwatch. You can use Google Pay wherever contactless payments are accepted, and speed through the checkout on compatible apps and websites.
Samsung Pay
Shop in-stores and on selected apps and websites with the same device you carry or wear every day. With Samsung Pay, you can use your Samsung phone or smartwatch to make quick and easy payments at almost any contactless terminal in-stores, as well as on apps and websites with the Samsung Pay Checkout button.
How do I cancel a direct debit?
As a direct debit is an arrangement you have organised with a merchant we do advise you to contact the merchant directly to cancel the direct debit authority to prevent incurring possible charges. By us cancelling the authority, it does not cancel the legal arrangement you have in place with the debiting company.
To request a stop you can contact our Service Support Centre on 132 067, visit your local branch or complete and email the Direct Debit Cancellation Form to [email protected].
I don’t live near a Regional Australia Bank branch, how can I deposit cash or cheque into my account?
Through our partnership with Australia Post, Bank@Post allows you to withdraw and deposit funds3.
Someone from overseas wants to complete a transfer to my Regional Australia Bank account, what details do I need to give them?¹
You can receive money from overseas using our Convera international payment service by completing a Payment Instruction Online Form and sending it to the payee.
- Complete the Payment Instructions Online Form to generate payment instructions for your payee.
- Choose the country you are receiving funds from.
- Complete the relevant information in the online form and submit.
- You will then receive an email from '[email protected]' with payment instructions attached.
- Send the payment instruction to your payee.
Find more information about sending and receiving money overseas in International Payments.
What are the cut off times for transfers?
Transfers to another Regional Australia Bank account (completed without a BSB) are usually processed instantly- 24 hours a day, 7 days a week.
For transfers to other institutions (using a BSB), we make every effort to ensure that transfers completed before 4:30pm (NSW time) on business days will be sent to the receiving institution that same day. However, this may not always be possible due to circumstances out of our control. Similarly, availability of funds is also subject to the transfer being processed by the receiving institution.
What details do I give out for funds to be credited/debited from my account to an external account?
You will need to provide the following:
- Name against account
- BSB: 932 000
- Account number (your member number)
Please note that if any of these details are incorrect credits or debits may be rejected.
What details do I give out for funds to be credited/debited from my account to another Regional Australia Bank Account?¹
You will need to provide the following:
- Name against account
- Account number (your member number), plus the account type, i.e. 123456S3
Please note that if any of these details are incorrect credits or debits may be rejected.
What is the daily withdrawal limit for ATMs?
$1000 per day
Where is my payment?¹
If you are waiting on a payment to come through to your account, please note that it can take 24-48 hours to reach your account from the time it was sent. If it has been over 48 hours you can contact us on 132 067 and we can check whether your payment has been received or it has been rejected by Regional Australia Bank for any reason.
Which ATMs are fee free?
You can use any Regional Australia Bank ATM without incurring any fees4. Transactions at other financial institutions’ ATMs may incur a fee.
Find out more or get started on your Everyday Account application now
Let us know how we can help by leaving your details, and as much information as possible, using the form below. We'll get back to you at a convenient time so you can get going sooner.Support for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Lost or stolen card
If your card has gone missing, or it’s been stolen, you should immediately block it and request a replacement.
Technical Support
If you experience any technical issues with online access or account features, our team is available to assist you.