RACQ Bank is helping Queenslanders get even more

RACQ Bank exists to help Queenslanders get ahead. We reinvest our profits back into making better products and brighter futures for our members. So, when you find your dream home, upgrade your car, or decide that you don't want to pay everyday transaction fees, we've got fairer banking alternatives waiting for you. We put people before profits – that's what makes RACQ Bank different.

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RACQ Bank accounts

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Transaction accounts
Watch small wins add up to real gains with a transaction account that makes everyday banking better.
Transaction accounts
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Savings accounts
Start putting your plans in motion when you open a savings account that rewards your hard work.
Savings accounts
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Term deposits
Set your savings on autopilot with a low-risk, low-maintenance investment that offers you a fixed return.
Term deposits
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We’re helping Queensland go green, starting with your new Visa Debit card and rediCARD. It’s made in Australia from 82% recycled materials.  

RACQ Bank loans

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Home loans
Lock in a flexible, low-fee home loan with competitive interest rates to help you reach your property goals sooner.
Home loans
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Car loans
Turn to Queensland’s leading motoring body to finance a car that's the right fit for your lifestyle and budget.
Car loans
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Personal loans
Fund the things that matter most when you take out a personal loan with the bank that looks after you from application to repayment.
Personal loans
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Boat loans
Make the most of your weekends with flexible, low-rate, secured or unsecured RACQ Bank Boat Loans. 
Boat loans
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Debt consolidation loans
Bundle your debts into a loan with one manageable repayment and take control of your finances today.
Debt consolidation loan

RACQ Bank Green Loans

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Green Car Loan
Buy an eligible plug-in electric vehicle.~ 
Learn more
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Green Home Loan
Fund sustainable upgrades to your home at a seriously low rate.* 
Learn more
Green Personal Loan
Finance solar, batteries, electric bikes and more.# 
Learn more

Explore RACQ Bank tools

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Discover the RACQ Bank difference

  • shield-protection
    Protect your finances
    Our technology helps ensure safe and secure banking.
  • person-next-to-racq-logo
    Enjoy local customer service
    Call on our Queensland-based call centres.
  • racq-logo-dash
    We're not just a bank
    Bank with us to enjoy all membership has to offer.

How can RACQ Bank help you?

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RACQ Bank subscribes to the Customer Owned Banking Code of Practice which establishes higher standards than the law requires.
The Code has been revised and updated to reflect modern consumer expectations and developments in approaches to issues such as consumer vulnerability, guarantors, and supporting customers through financial hardship. Please read more here. 

Things to note

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

*Available with existing, refinanced and new RACQ Bank home loans. Conditions apply.

#The Green Personal Loan is available for new lending only to purchase eligible items. Conditions apply.

~The Green Car Loan is available for new lending only to purchase a plug-in electric car up to 12 months old. 

+Based on RACQ data as at 4 April 2024, over 350,000 Queenslanders held Household Insurance policies with either Home cover, Contents cover, or Home and Contents cover.