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Regional Australia Bank · Transaction accounts
Freedom Retirement Account
Regional Australia Bank's Freedom Retirement Account is a transaction account. The figures are the ones Regional Australia Bank publishes under the Consumer Data Right today. The advertised rate last moved on 1 November 2026, up from 2.75% to 3.00%.
Advertised rate
3.00%
headline tier
Tiers
4
current rate rows
Last moved
+0.25pp
1 November 2026
Advertised rate, last 30 days. Between 2.75% and 3.00% over the last 30 days.
Every current rate (4)
| Tier | Rate |
|---|---|
| Variable, $1 to $2,000Portion less than $2,000 | 0.75% |
| Variable, $2,000 to $50,000Portion $2,000 to $50,000 | 1.15% |
| Variable, $50,000 to $250,000Portion $50,000 to $250,000 | 2.40% |
| Variable, $250,000 to $1,000,000Portion $250,000 and over | 3.00% |
Rate moves, last 30 days
- 1 November 2026: Variable, $2,000 to $50,000 lifted 0.10pp, from 1.05% to 1.15%.
- 1 November 2026: Variable, $50,000 to $250,000 lifted 0.10pp, from 2.30% to 2.40%.
- 1 November 2026: Variable, $250,000 to $1,000,000 lifted 0.25pp, from 2.75% to 3.00%.
Published fees
| Fee | Amount |
|---|---|
| Cheque Deposit Feeper deposit: Your first 10 cheque deposits to your membership each month are free, each subsequent deposit will be charged per cheque. | $0.50 |
| Direct Debit Dishonour Feedishonour: Applies where a direct debit request is rejected by us due to insufficient funds in your account. | $5 |
| Access Feerecurring: The Access Fee is a flat monthly fee which entitles your membership to unlimited withdrawals via EFTPOS, ATMs, Internet, Phone and Mobile Banking. | $0 |
| Over Limit Feewhen it happens: Applies for each day that a Direct Debit or Cheque transaction is debited to a member which results in a deposit or overdraft account being drawn beyond its ava | $3.50 |
| Over the Counter Withdrawper transaction: Applies per counter withdrawal or debit transfer once the monthly limit of 6 included withdrawals is exceeded. | $0 |
| Direct Debits and Creditswhen it happens: Applies when you make a transaction through a direct debit or credit. | $0 |
| International Transaction Feeper transaction: This fee is charged by the card issuer for purchases in foreign currency, payments in Australian Dollars processed by a merchant or financial institution locate | see lender |
| Bank Cheque Feewhen it happens: Applies for each bank cheque you order from us. | $11 |
Other Regional Australia Bank transaction accounts
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