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Regional Australia Bank

Every product Regional Australia Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 2 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Summerland Bank under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 241167, held by Regional Australia Bank Ltd; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetRegional Australia Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

25 products in 7 categories

  1. Business loans6
  2. Savings & transaction accounts5
  3. Home loans4
  4. Personal loans4
  5. Trust accounts3
  6. Term deposits2
  7. Credit cards1

Regional Australia Bank's rates today

Regional Australia Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Regional Australia Bank sits among every institution's best

Regional Australia Bank 6.29%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateRegional Australia BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.29%Regional Australia Bank Home Loan (Non Offset)5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.41%Regional Australia Bank Home Loan (Fixed Owner Occupied)6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met5.25%Savings Booster Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.45%Enviro Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers14.69%Your Choice Visa Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Regional Australia Bank home loan repayments

Repayments at Regional Australia Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableRegional Australia Bank Home Loan (Non Offset)
    6.29%6.32% comparison
    $3,710a month

    $735,574 in interest, $1,335,574 repaid in all

  2. 1-year fixedRegional Australia Bank Home Loan (Fixed Owner Occupied)
    6.39%6.33% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 repaid in all

  3. 2-year fixedRegional Australia Bank Home Loan (Fixed Owner Occupied)
    6.42%6.34% comparison
    $3,761a month

    $753,923 in interest, $1,353,923 repaid in all

  4. 3-year fixedRegional Australia Bank Home Loan (Fixed Owner Occupied)
    6.41%6.35% comparison
    $3,757a month

    $752,507 in interest, $1,352,507 repaid in all

  5. 5-year fixedRegional Australia Bank Home Loan (Fixed Owner Occupied)
    6.81%6.55% comparison
    $3,916a month

    $809,598 in interest, $1,409,598 repaid in all

  6. Investor variableRegional Australia Bank Home Loan (Non Offset)
    6.49%6.52% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Regional Australia Bank's own calculator: confirm the rate with Regional Australia Bank before you apply.

Regional Australia Bank home loan rates

Compare across banks

4 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.29%, with a comparison rate of 6.32%, on its Regional Australia Bank Home Loan (Non Offset): 32nd lowest of 104 lenders, level with 5 others.

Regional Australia Bank savings and transaction account rates

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5 products

Its highest savings rate is up to 5.25% (0.00% base plus a 5.25% bonus when its conditions are met), on its Savings Booster Account: 24th highest of 84 institutions, level with 4 others.

Regional Australia Bank term deposit rates

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2 products

Regional Australia Bank credit card rates

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1 product

Its lowest credit card purchase rate is 14.69%, on its Your Choice Visa Credit Card: 42nd lowest of 51 card issuers.

Regional Australia Bank personal loan rates

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4 products

Its lowest advertised personal loan rate is 6.99% variable, with a comparison rate of 7.30%, on its Accelerator Car Loan: 31st lowest of 69 lenders, level with 3 others.

Regional Australia Bank business loan rates

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6 products

Regional Australia Bank trust accounts

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3 products

Rate changes since 18 Sept 2026How every lender responded

Has Regional Australia Bank passed on the RBA's November 2026 rate rise?

Regional Australia Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Mon 2 Nov

  2. Sat 24 Oct

  3. Fri 23 Oct

  4. Sat 3 Oct

  5. Fri 2 Oct

Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 2 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.