Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
Following the Reserve Bank of Australia's (RBA) decision, we're increasing our variable home loan interest rates by 0.25% p.a., effective 7th April 2026.
Savings Accounts
Whether you're saving for a holiday, car, or home deposit, need motivation to stick to your plan, or want better returns on unused funds, our Savings Accounts can help you reach your goals sooner.
Find the perfect fit for your savings goals
Saving Account
Our Saving Account offers a 4.75% p.a. introductory interest rate for the first 90 days, with unlimited transfers while still earning interest.
Interest rates first 90 days
4.75% p.a
1
2
Revert rate (after initial 90 days)
2.75% p.a
1
2
Instant access to funds
Yes
Internet and mobile banking
Yes
Direct debits and credits
Yes
Branch and contact centre
Yes
Minimum balance
N/A
Access fee
Free
Internet, mobile, and phone banking transactions
Free
Direct credits
Free
Over-the-counter withdrawal
N/A
Over limit fee
$3.50
Direct debit dishonour
$5.00
Bank cheque fee
$11.00
Cheque deposit
10 Free deposits per month
Additional deposits $0.50
Additional deposits $0.50
Term Savings
Invest your money securely with competitive fixed interest rates
12 months (Amounts $1,000 to $500,000)
4.55% p.a
3
18 months (Amounts $1,000 to $500,000)
4.40% p.a
3
Instant access to funds
Yes. Interest discounts may apply for early redemption.
4
Internet and mobile banking
Yes (balances only)
Direct debits and credits
No
Branch and contact centre
Yes
Minimum balance
$1,000.00
Access fee
Free
Internet, mobile, and phone banking transactions
N/A
Direct credits
N/A
Over-the-counter withdrawal
N/A
Over limit fee
N/A
Direct debit dishonour
N/A
Bank cheque fee
$11.00
Cheque deposit
Fees apply
Savings Booster
Boost the interest on your savings every month that you stick to your savings plan.
Boosted interest rate (up to $250,000)
4.50% p.a
5
Base Interest rate
0.00% p.a
Instant access to funds
Yes
Internet and mobile banking
Yes
Direct debits and credits
Credits Only
Branch and contact centre
Yes
Minimum balance
No
Access fee
Free
Internet, mobile, and phone banking transactions
Free
Direct credits
Free
Over-the-counter withdrawal
Free
Over limit fee
$3.50
Direct debit dishonour
N/A
Bank cheque fee
$11.00
Cheque deposit
10 Free deposits per month
Additional deposits $0.50
Additional deposits $0.50
Internet Maximiser
Get a great return on your savings while maintaining instant access.
All Balances
2.75% p.a
3
Instant access to funds
Yes
Internet and mobile banking
Yes
Direct debits and credits
Yes
Branch and contact centre
Yes
Minimum balance
No
Access fee
Free
Internet, mobile, and phone banking transactions
Free
Direct credits
Free
Over-the-counter withdrawal
N/A
Over limit fee
$3.50
Direct debit dishonour
$5.00
Bank cheque fee
$11.00
Cheque deposit
10 Free deposits per month
Additional deposits $0.50
Additional deposits $0.50
Savings Account Enquiry Form
To enquire about banking at Regional Australia Bank simply complete this short form. So we can find the right fit for you, please provide as much information as possible.
Disclaimers