Support for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
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.
Freedom Retirement Account
Full range of access and great interest rates for retirees and pensioners.
Funds between $2,000 to $50,000
1.50% p.a
1
Funds between $50,000 to $250,000
2.75% p.a
1
Embrace Your Retirement Dreams with Our Freedom Retirement Account
Our Freedom Retirement Account is designed to provide you with financial security and flexibility. This account offers competitive interest rates and easy access to your funds. Whether you’re planning to travel, spend time with family, or simply relax, our Freedom Retirement Account supports your lifestyle choices, ensuring your golden years are truly golden.
Support and enhance your desired retirement lifestyle with access to your funds
Features & Benefits
What do you get?
| Community partnership program | No |
| Visa debit card | Yes 2 |
| Access card | Yes |
| Internet and mobile banking | Yes |
| Phone banking | N/A |
| Direct debits and credits | Yes |
| Cheques | No |
| Branch and service support centre | Yes |
| Overdraft available | No |
Visa Debit Card
Get quick, convenient access to your money worldwide with Visa or EFTPOS. Enjoy fee-free ATMs, Tap & Go payments, and the option to add an additional cardholder at no extra cost.
Terms and conditions apply.
Interest Rates
Target Market Determination| Funds up to $2,000 | 1.50% p.a1 |
| Funds between $2,000 to $50,000 | 1.50% p.a1 |
| Funds between $50,000 to $250,000 | 2.75% p.a1 |
| Funds over $250,000 | 2.75% p.a1 |
Interest conditions
Deposit at least $100 and don’t make any withdrawals through the month to receive boosted interest for that month. Boosted interest paid on portion of account balance up to $250,000.
Interest frequency
Calculated daily, paid monthly. End of month rate applies to whole month.
Fees
| Access fee | Free |
| Internet, mobile, and phone banking transactions | Free |
| ATM withdrawal or enquiries | Free 3 |
| Eftpos or Visa transaction | Free |
| Direct debits and credits | Free |
| Over-the-counter withdrawal | Free |
| Over limit fee | $3.50 |
| Direct debit dishonour | $5.00 |
| Bank cheque fee | $11.00 |
| Cheque deposit |
10 free deposits per month Additional deposits $0.50 |
Find out more or get started on your Freedom Retirement Account now
To enquire about banking at Regional Australia Bank simply complete this short form. So we can find the right fit for you, please provide as much information as possible.
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.
Disclaimers
1
Interest rates are on a per annum basis and are current as of today's date and are subject to change. Please note that the interest rate effective at the end of each month applies to the whole month.
2
To be eligible for a Visa Debit Card, you must have an Australian Residential Address and be over the age of 12 years.
3
No withdrawal fees at Regional Australia Bank ATMs. Transactions at other financial institutions’ ATMs may incur a fee.