Savings account rates › RACQ Bank
Everyday Mortgage Offset
RACQ Bank
CDR officialNot listed in rate tables
Our Everyday Mortgage Offset Account is designed exclusively for members with an eligible RACQ Bank variable home loan. It is a 100% offset account that allows members to use their savings to reduce the interest and term on their home loan. The funds in your Everyday Mortgage Offset Account are 'at call', allowing complete flexibility and providing benefits to your residential mortgage.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://cdrbank.racq.com.au/cds-au/v1/banking/products/807- Content hash
sha256 84f7ed54576a2853e756bf23ad3511ec483e175b80c2b722b958468f765da0f0- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_84f7ed54576a2853_e355c707Show details
- Checked
- 1 Nov 2026
- URL
https://cdrbank.racq.com.au/cds-au/v1/banking/products/807- Content hash
sha256 84f7ed54576a2853e756bf23ad3511ec483e175b80c2b722b958468f765da0f0- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Dishonour | Event | $1.00 |
| Emergency Replacement Card through Visa (International) | Event | $300.00 |
| Cash Request | Withdrawal | Set in your letter of offer |
| Card / PIN via Courier (within Australia) | Event | $30.00 |
| Card / PIN via Courier (International) | Event | Set in your letter of offer |
| Overseas Telegraphic Transfer in Australian Dollars | Payment | $60.00 |
| Bank Recall | Event | $20.00 |
| Bank Trace | Event | $20.00 |
| Visa Chargeback | Event | $27.50 |
| Bank@Post Cheque Dishonour | Dishonour | Set in your letter of offer |
| Audit Certificate | Event | $25.00 |
| Overseas Telegraphic Transfer in Local Currency | Payment | $30.00 |
| Dishonour - Manual | Event | $22.00 |
| Card / PIN Postage (International) | Event | $9.00 |
| Foreign currency conversion fee | Event | Set in your letter of offer |
| Default Administration | Event | $20.00 |
| Telegraphic Transfer - Outward (within Australia) | Payment | $35.00 |
| Default Enforcement Expenses | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Npp enabled | ||
| Digital wallet | Apple Pay | |
| Digital wallet | Google Pay | |
| Digital banking | ||
| Card access | Visa Debit card | |
| Npp payid | ||
| Additional cards | null | |
| Offset | ||
| Unlimited txns | RACQ Bank has removed fees for most everyday transactions, such as eftpos transactions, internet transfers and direct debits. | |
| Digital wallet | Samsung Pay | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Australian Resident |
Rate history
No earlier values recorded yet.
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
Registered channels
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