Regional Australia BankSavings Account
Earn a boosted introductory interest rate for the first 3 months when you open up our Savings Account.
At a glance
- Base rate
- 3.50%
- Intro rate
- 2.20% for 3 mo
- Monthly fee
- $0
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 3.50% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 17th highest of 61, level with 2 others |
Rates
Every rate Regional Australia Bank publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| IntroductoryInterest is per annum (p.a.). Introductory Variable Interest Rate for the period of 90 days of the first 90 days within opening account. | - | 3 mo intro | - | 2.20% | - | paid every 1 mo |
| VariableInterest is per annum (p.a.). Interest payable reverts to Base Interest if interest after Introductory period of 90 days. | - | - | - | 3.50% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Variable | 3.25% | 3.50% | up 0.25 |
Each change is logged the night it appears in the rates Regional Australia Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
While you hold it1
- Access Fee
The Access Fee is a flat monthly fee which entitles your membership to unlimited withdrawals via EFTPOS, ATMs, Internet, Phone and Mobile Banking.
No fee
When you make a transaction1
- Cheque Deposit Fee
Your first 10 cheque deposits to your membership each month are free, each subsequent deposit will be charged per cheque.
$0.50
If a payment is late or fails1
- Direct Debit Dishonour
Where a direct debit request is rejected by us due to insufficient funds in your account a Dishonour Fee will apply.
$5
When particular things happen2
- Bank Cheque Fee
This fee applies when ordering a bank cheque.
$11 - Overlimit Fee
Applies for each day that a Direct Debit or Cheque transaction is debited to a member which results in a deposit or overdraft account being drawn beyond its available balance or limit.
$3.50
Features
- Government Guarantee: Combined balances of up to $250,000 per account holder are guaranteed and secured by the Australian Government.
Eligibility and limits
- Residency: Australian Resident
- Minimum balance $1
- As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
- The product is only available to new members or existing members transferring funds from another financial institution
Compare it with others
Put this product through a calculator
Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 1 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.