Business Unsecured Current Account

 General Lending Rates

 Product Features

• Overdraft

• Npp Enabled

• Card Access

• Digital Wallet

• Additional Cards

• Digital Wallet

• Unlimited Txns

• Digital Wallet

• Npp Payid

 Product Eligibility

• Other Additional Information: This product is available to Non-personal members only, e.g. Sole trader, Partnership, Company, Trusts.

• Min Age - 18.

 Bank Fees and Charges

• Card / Pin Via Courier (international) (Variable), Amount: Not Listed.. Additional Information: Charged when a card and/or PIN has been requested to be sent via courier to an address outside of Australia. Charged at cost in line with the international courier's charge.

• Foreign Currency Conversion Fee (Event), Amount: Not Listed.. Additional Information: For any transaction made overseas or in a foreign currency, a fee of 2.75% of the total transaction value (in Australian Dollars) will be charged. The fee applies to: • Transactions made physically overseas. • Transactions made in a foreign currency, regardless of whether you’re in Australia or another country. • Transactions processed by overseas merchants, even if the purchase or action takes place within Australia or in Australian Dollars

• Bank Trace (Event), Amount: 20.00. Additional Information: A request to trace the origin or final destination of funds either sent to or from your account.

• Dishonour - Manual (Event), Amount: 22.00. Additional Information: Dishonour at member's request.

• Emergency Replacement Card Through Visa (international) (Event), Amount: 300.00. Additional Information: Charged when an emergency replacement card has been requested through VISA outside of Australia.

• Telegraphic Transfer - Outward (within Australia) (Payment), Amount: 35.00. Additional Information: Funds transferred via the SWIFT network to another financial institution within Australia for same day payment (also known as a Wire or RTGS payment).

• Dishonour (Event), Amount: 1.00. Additional Information: Where a Cheque or Direct Debit is not honoured. For example, a payment would be dishonoured if you do not have sufficient available funds in your account.

• Default Enforcement Expenses (Variable), Amount: Not Listed.. Additional Information: May apply if enforcement services are required as part of default administration.

• Overseas Telegraphic Transfer In Australian Dollars (Payment), Amount: 60.00. Additional Information: Transfer of funds to an overseas bank in AUD rather than local currency. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.

• Overseas Telegraphic Transfer In Local Currency (Payment), Amount: 30.00. Additional Information: Transfer of funds to an overseas bank in the currency used locally. Overseas banks, including the agent bank, may charge a handling fee. Check supplied details.

• Visa Chargeback (Event), Amount: 27.50. Additional Information: Charged when a Visa Debit transaction is disputed. Refunded if transaction deemed fraudulent.

• Bank Recall (Event), Amount: 20.00. Additional Information: A request to attempt to recall funds transferred to another account.

• Card / Pin Via Courier (within Australia) (Event), Amount: 30.00. Additional Information: Charged when a card and/or PIN has been requested to be sent via courier to an address within Australia.

• Audit Certificate (Event), Amount: 25.00. Additional Information: A certificate for Audit purposes.

• Card / Pin Postage (international) (Event), Amount: 9.00. Additional Information: Charged when your mailing address is outside of Australia and a card or PIN is mailed.

• Cash Request (Variable), Amount: Not Listed.. Additional Information: Cash withdrawals of more than $5,000 require 24 hours' notice. Cash delivery charges, levied by the cash provider to RACQ Bank, are passed on at cost for large withdrawals. The charge is determined at the time of the request and may vary according to location.

• Bank@post Cheque Dishonour (Variable), Amount: Not Listed.. Additional Information: If you deposit a cheque via Bank@Post and it is dishonoured, a fee will be directed to your account. This fee is then refunded by RACQ Bank.

• Default Administration (Event), Amount: 20.00. Additional Information: May apply if an event of default occurs.