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RACQ Bank · Transaction accounts
Advantage Plus Account
RACQ Bank's Advantage Plus Account is a transaction account. The figures are the ones RACQ Bank publishes under the Consumer Data Right today. The advertised rate last moved on 13 October 2026, up from 3.25% to 3.50%.
Advertised rate
3.50%
headline tier
Tiers
3
current rate rows
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 3.25% and 3.50% over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Variable, up to $4,999 | 0.01% |
| Variable, $4,999 to $49,999Over $4,999 to $49,999 | 2.00% |
| Variable, $49,999 and overOver $49,999 | 3.50% |
Rate moves, last 30 days
- 13 October 2026: Variable, $49,999 and over lifted 0.25pp, from 3.25% to 3.50%.
- 13 October 2026: Variable, $4,999 to $49,999 lifted 0.25pp, from 1.75% to 2.00%.
Published fees
| Fee | Amount |
|---|---|
| Audit Certificatewhen it happens: A certificate for Audit purposes. | $25 |
| Card / PIN Postage (International)when it happens: Charged when your mailing address is outside of Australia and a card or PIN is mailed. | $9 |
| Dishonourwhen it happens: Where a Cheque or Direct Debit is not honoured. | $1 |
| Cash Requestper withdrawal: Cash withdrawals of more than $5,000 require 24 hours' notice. | see lender |
| Foreign currency conversion feewhen it happens: 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. | see lender |
| Bank Recallwhen it happens: A request to attempt to recall funds transferred to another account. | $20 |
| Default Administrationwhen it happens: May apply if an event of default occurs. | $20 |
| Card / PIN via Courier (within Australia)when it happens: Charged when a card and/or PIN has been requested to be sent via courier to an address within Australia. | $30 |
| Bank Tracewhen it happens: A request to trace the origin or final destination of funds either sent to or from your account. | $20 |
| Emergency Replacement Card through Visa (International)when it happens: Charged when an emergency replacement card has been requested through VISA outside of Australia. | $300 |
| Visa Chargebackwhen it happens: Charged when a Visa Debit transaction is disputed. | $27.50 |
| Card / PIN via Courier (International)when it happens: Charged when a card and/or PIN has been requested to be sent via courier to an address outside of Australia. | see lender |
Other RACQ Bank transaction accounts
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