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RACQ Bank · Overdrafts
Home Loan Overdraft
RACQ Bank's Home Loan Overdraft is a overdraft. 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 9.00% to 9.25%.
Advertised rate
9.25%
headline tier
Tiers
1
current rate rows
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 9.00% and 9.25% over the last 30 days.
Every current rate (1)
| Tier | Rate |
|---|---|
| Variable, Owner occupier, Interest only | 9.25% |
Rate moves, last 30 days
- 13 October 2026: Variable, Owner occupier, Interest only lifted 0.25pp, from 9.00% to 9.25%.
Published fees
| Fee | Amount |
|---|---|
| Bank Recallwhen it happens: A request to attempt to recall funds transferred to another account. | $20 |
| Card / PIN Postage (International)when it happens: Charged when your mailing address is outside of Australia and a card or PIN is mailed. | see lender |
| Foreign currency conversion feeper transaction: 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 |
| Discharge Feeon exit: Payable for standard partial or full discharges. | $300 |
| Audit Certificatewhen it happens: A certificate for Audit purposes. | $25 |
| Bank Tracewhen it happens: A request to trace the origin or final destination of funds either sent to or from your account. | $20 |
| Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee"when it happens: Payable for each company or trust borrower / guarantor party on the loan. | $150 |
| Valuation Feewhen it happens: The cost of the first valuation for a new security is covered by RACQ Bank. | see lender |
| Overseas Telegraphic Transfer in Australian Dollarsper payment: Transfer of funds to an overseas bank in AUD rather than local currency. | $60 |
| Overseas Telegraphic Transfer in Local Currencyper payment: Transfer of funds to an overseas bank in the currency used locally. | $30 |
| 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 |
| Cash Requestper withdrawal: Cash withdrawals of more than $5,000 require 24 hours' notice. | see lender |
Other RACQ Bank overdrafts
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