Provider
LiveRACQ Bank
As of 18 September 2026, RACQ Bank has 27 products across four of the 8 pillars BankMate tracks: 1 savings account, 18 home loans, 1 term deposit and 7 personal loans. Its highest-placed product is Term Deposit at 5.45% p.a. for 6 months, 1st of 547 6-month deposits. Its rates last moved on 18 September 2026.
- Pillars
- 4 of 8
- No credit cards, superannuation, share trading…
- Products tracked
- 27
- 1 savings account · 18 home loans · 1 term deposit
- Highest placed
- #1
- Term Deposit · of 547 6-month deposits
- Last change
- 18 Sept 2026
- 5 changes on record
What changed
5 changes across 2 pillars since 1 Mar 2026- Savings accountsBonus Saver Account 5.26 → 5.76Bonus rate 5.25% → 5.75%+0.50
- mixed
- Term depositsTerm Deposit · 3 terms moved in both directionsmixed
- Savings accountsBonus Saver Account 5.01 → 5.26Bonus rate 5.00% → 5.25% · 14 days after the RBA rise to 4.35%+0.25
- Savings accountsBonus Saver Account 4.76 → 5.01Bonus rate 4.75% → 5.00% · 14 days after the RBA rise to 4.10%+0.25
Savings accounts · 1
Total rate, conditions met · ranked among 94 accountsNo withdrawals · bonus up to $100k
5.76%#2 of 940.01% base + 5.75% bonus
- Withdrawals
- Not allowed
- Balance range
- $0 - $99,999
- Age
- 13+ years
Full savings accounts record for RACQ Bank →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for RACQ Bank · Compare all savings accounts
Home loans · 18
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 6
Variable · P&I · Owner-occupier · 70–80% LVR · no ongoing fee · 5 variants
6.29%#38 of 107comparison · 6.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · no ongoing fee · 5 variants
6.34%#8 of 81comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · redraw · no ongoing fee · 6 variants
6.43%#53 of 107comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · no ongoing fee · 6 variants
6.53%#63 of 107comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · no ongoing fee · 6 variants
6.58%#33 of 81comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Show 1 more
Variable · Interest Only · Investor · ≤60% LVR · no ongoing fee · 5 variants
6.58%#19 of 80comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Fixed · 12
1yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
1y 6.78%6.78%#26 of 49comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
2y 6.78%6.78%#27 of 49comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
3yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
3y 6.78%6.78%#28 of 50comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Owner-occupier · ≤90% LVR · no ongoing fee · 2 variants
5y 6.87%6.87%#29 of 49comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
3yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.06%#29 of 44comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Show 7 more
2yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.06%#27 of 45comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
3yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.06%#27 of 45comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.06%#30 of 45comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.07%#25 of 43comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.07%#28 of 44comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · ≤90% LVR · no ongoing fee · 2 variants
7.13%#22 of 42comparison · 7.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · Interest Only · Investor · ≤90% LVR · no ongoing fee
7.13%#26 of 42comparison · 7.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for RACQ Bank →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or quarterly · from $0 · 14 terms
3 mo 5.25%6 mo 5.45%9 mo 3.75%1 yr 5.35%2 yr 3.30%3 yr 3.30%5 yr 3.30%4 yr 3.30%5.45%#1 of 5476 months
- 3 months
- 5.25% · #1 of 369
- 6 months
- 5.45% · #1 of 547
- 9 months
- 3.75% · #303 of 500
- 1 year
- 5.35% · #18 of 590
- 2 years
- 3.30% · #357 of 394
- 3 years
- 3.30% · #292 of 345
- 5 years
- 3.30% · #104 of 152
- 4 years
- 3.30% · #129 of 157
- Minimum deposit
- $0
- Interest paid
- Annually or Quarterly
- Early withdrawal
- Not allowed
Full term deposits record for RACQ Bank →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 7
Comparison rate · ranked within unsecured or secured loansUnsecured · 5
- Green Personal LoanFee-free
Unsecured · variable · any purpose · no fees
8.49%#93 of 212comparison · from 8.49% advertised
- Advertised rate
- from 8.49% p.a.
- Comparison rate
- 8.49% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $3,000 – $60,000
- Extra repayments
- Yes
- Unsecured Personal LoanFee-free
Unsecured · variable · any purpose · no fees
11.67%#162 of 212comparison · from 11.49% advertised
- Advertised rate
- from 11.49% p.a.
- Comparison rate
- 11.67% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $3,000 – $60,000
- Extra repayments
- Yes
- Unsecured Personal LoanFee-free
Unsecured · variable · any purpose · no fees
11.67%#162 of 212comparison · from 11.49% advertised
- Advertised rate
- from 11.49% p.a.
- Comparison rate
- 11.67% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $3,000 – $60,000
- Extra repayments
- Yes
- Unsecured Personal LoanFee-free
Unsecured · variable · any purpose · no fees
11.67%#162 of 212comparison · from 11.49% advertised
- Advertised rate
- from 11.49% p.a.
- Comparison rate
- 11.67% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $3,000 – $60,000
- Extra repayments
- Yes
- Debt Consolidation LoanFee-free
Unsecured · variable · debt consolidation · no fees
13.17%#184 of 212comparison · from 12.99% advertised
- Advertised rate
- from 12.99% p.a.
- Comparison rate
- 13.17% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $3,000 – $60,000
- Extra repayments
- Yes
Secured · 2
- Green Car LoanFee-free
Secured · fixed · car loan · no fees
7.49%#13 of 48comparison · from 7.49% advertised
- Advertised rate
- from 7.49% p.a.
- Comparison rate
- 7.49% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $3,000 – $150,000
- Loan term
- 5 years to 5 years
- Fixed Rate Car LoanFee-free
Secured · fixed · car loan · no fees
8.36%#28 of 48comparison · from 8.19% advertised
- Advertised rate
- from 8.19% p.a.
- Comparison rate
- 8.36% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $3,000 – $100,000
- Loan term
- 7 years to 7 years
Full personal loans record for RACQ Bank →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
RACQ Bank has no credit cards, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on RACQ Bank
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