Regional Australia Bank
Commercial Overdraft
Flexible and accessible finance, whenever your business needs it.
At a glance
- Pricing
- Rates on application
- Variable
- 0.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $200
- Monthly fee
- $0
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableContact Regional Australia Bank for details interest rate details. Rates will vary based on the individual circumstances of each borrower. | — | — | — | 0.00% | — | — |
§ 02 — Fees · 49
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cheque Deposit Fee | Deposit | $0.50 | — | Your first 10 cheque deposits to your membership each month are free, each subsequent deposit will be charged per cheque. |
| Foreign Cheque Deposit Fee | Deposit | $10 | — | Applies to each foreign cheque, whether in Australian dollars or another currency, deposited into your account. |
| Inward Telegraphic Transfer AUD Fee | Deposit | $15 | — | Applies to incoming Real Time Gross Settlement (RTGS)/ Telegraphic Transfers received to your account. |
| Cash Handling Fee - Members | Event | 2.50% of transaction | — | Applies when you order bulk cash/coin from us. Minimum Fee Amount - $10.00 Cash Handling Fee Waiver |
| Cheque Book Fee | Event | $0.80 | — | Charged per cheque when you order a cheque book for your account. |
| Cheque Copy or Trace Fee | Event | $15 | — | Applies where you request a copy of: a personal cheque you have written or deposited; a Regional Australia Bank cheque; or an ANZ deposit slip. Also applies where you wish to determine if a cheque yo… |
| Cheque Deposit Dishonour Fee | Event | $12.50 | — | Applies to each cheque deposited to your account that is dishonoured by the drawer’s bank. |
| Declined Visa Dispute Fee | Event | $20 | — | Applies where you opt to dispute or request further information from the merchant about a Visa transaction. The fee will only apply to each dispute where evidence suggests you participated in or auth… |
| Default Notice Fee | Event | $30 | — | Applies when you fail to make your contracted repayments and we are required to issue a default notice to you. |
| Direct Debit Dishonour Fee | Event | $5 | — | Applies where a direct debit request is rejected by us due to insufficient funds in your account. |
| Document Search Fee | Event | $50 | — | Charged per hour, or part thereof, when you request us to retrieve historical documents related to your account. |
| Duplicate Copy of Statement Fee | Event | $12.50 | — | Applies if you request a duplicate copy of a formal account statement. |
| Electronic Transfer Recall Fees | Event | $25 | — | Applies where you erroneously request a funds transfer to an external account and subsequently ask us to attempt to recall the transaction |
| Electronic Transfer Trace Fees | Event | $10 | — | Applies where you erroneously request a funds transfer to an external account and subsequently request us to check the transaction. |
| Emergency Visa Card Fee | Event | $300 | — | Applies if you request us to issue you with an emergency replacement card whilst overseas. |
| Financial Institution Cheque Fee | Event | $11 | — | Applies for each bank cheque you order from us. |
| Foreign Currency Cheque Dishonour Fee | Event | $30 | — | Applies when a foreign currency cheque or draft that has been deposited into an account has been dishonoured. |
| Interest on Over Limit Balances | Event | 19.99% of balance | — | 3% above standard overdraft rate or existing rate applicable to the account. |
| Late Payment Notice Fee | Event | $20 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Loan Top Up Fee | Event | $195 | — | Applies on approval of an additional borrowing against a property that we hold an existing mortgage over. |
| Over Limit Fee | Event | $3.50 | — | Applicable if you exceed an approved overdraft limit linked to your account. |
| Overseas Draft Cancellation Fee | Event | $25 | — | Applies when you ask us to cancel an overseas draft. |
| Overseas Draft Fee | Event | $12.50 | — | Applies when you order a draft from us. |
| Personal Cheque Dishonour Fee | Event | $12.50 | — | Applies to each personal cheque drawn from your account where there are insufficient funds in the account to cover the value of the cheque. |
| Replacement Card Fee | Event | $5 | — | The initial card on each account, replacements for defective cards and automatic card renewals are free, however a fee applies for each replacement card ordered at your request. |
| Secure Token Replacement Fee | Event | $20 | — | Secure Tokens are used to authorise large transactions initiated by Internet and Mobile Banking. The initial token is free, but this fee is levied to replace each broken or lost token. |
| Stop Payment on Cheque Fee | Event | $12.50 | — | Applies where you request us to cancel a personal or Regional Australia Bank cheque drawn on your account. |
| Temporary Overdraft Approval Fee | Event | $90 | — | Where we allow you to draw on a temporary overdraft to assist with mortgage related costs this fee will apply. |
| Transaction Listing Print Fee | Event | $2.50 | — | Applies where you ask us to print a listing of your transactions. A minimum fee of $2.50 applies plus $0.50 per additional 2 pages or part thereof to a maximum of $10.00. |
| Monthly Access Fee | Periodic | No fee | Every 1 mo | The Access Fee is a flat monthly fee which entitles your membership to unlimited withdrawals via EFTPOS, ATMs, Internet, Phone and Mobile Banking. |
| Bank@Post Transaction Fee | Transaction | No fee | — | Applies when you perform a deposit or withdrawal on your account through a Bank@Post outlet. This fee also applies if your transaction is declined. |
| Currency Conversion Fee | Transaction | 3.50% of transaction | — | Applies as a percentage of the transaction value to withdrawals and purchases made outside of Australia using your Regional Australia Bank Visa Debit or Access Card. |
| Foreign Cash Fee | Transaction | 1.00% of transaction | — | Applies when you purchase foreign cash from us or wish to deposit foreign cash into your account. Minimum fee of $10.00 applies. |
| Online International Payment | Transaction | $20 | — | Applies to each International Payment you perform through Internet Banking. |
| Over the Counter Fee | Transaction | No fee | — | Applies per counter withdrawal or debit transfer once the monthly limit of 6 included withdrawals is exceeded. |
| Agency Settlement/Handing Fee | Upfront | $1 | — | Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan. |
| Discharge of Mortgage Preparation | Upfront | $1 | — | Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan. |
| Loan Restructure Fee | Upfront | $200 | — | Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage. |
| Mortgage Documentation Preparation | Upfront | $1 | — | Applies when we are required to prepare mortgage documentation relating to a property offered as security for your loan. |
| PEXA Processing Fee | Upfront | $1 | — | Applies when we process a settlement relating to your loan through PEXA. |
| Property Valuation Costs | Upfront | $1 | — | Applies when we are required to value each property offered or held as security at the commencement of your loan, and when required throughout the life of your loan. |
| Registration of Discharge of Mortgage | Upfront | $1 | — | Applies when we are required to register a discharge of mortgage relating to a property held as security for your loan. |
| Registration of Mortgage | Upfront | $1 | — | Applies when we are required to register a mortgage relating to a property offered as security for your loan. |
| Registration of Transfer | Upfront | $1 | — | Applies when we are required to register a transfer of land relating to a property held as security for your loan. |
| Replacement Certificate of Title | Upfront | $1 | — | Applies when you request a replacement certificate of title relating to mortgaged property that is held as security for your loan. |
| Title Search | Upfront | $1 | — | Applies when we are required to perform a title search relating to a property offered, or held, as security for your loan. |
| Outward Telegraphic Transfer AUD Fee (to Australian account) | Withdrawal | $35 | — | Applies to Real Time Gross Settlement (RTGS)/ Telegraphic Transfers to an account within Australia. |
| Outward Telegraphic Transfer AUD Fee (to Foreign account) | Withdrawal | $50 | — | Applies to Real Time Gross Settlement (RTGS)/ Telegraphic Transfers to an account in a foreign country in Australian dollars. |
| Outward Telegraphic Transfer Foreign Currency Fee | Withdrawal | $30 | — | Applies to Real Time Gross Settlement (RTGS)/ Telegraphic Transfers to an account in a foreign country in the destination currency. |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsSamsung PayApple PayGoogle Pay
- · Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges may apply.
- · No regular scheduled repayments
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $500 to no maximum
- · As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
- · Unsecured commercial overdraft also available.
- · Minimum Deposit of 40% is required for mortgages secured by rural property.
- · Minimum Deposit of 35% is required for mortgages secured by commercial property.
- · Minimum Deposit of 20% is required for mortgages secured by residential property.
- · Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 29 June 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.