With the upcoming sale of RACQ's retail lending and deposit business to Bendigo Bank, we look forward to making you feel welcome and ensuring your journey is smooth and straightforward. As you’re aware, your RACQ Bank accounts will be moving across to Bendigo Bank over the weekend of Friday 13 November through Sunday 15 November.
Starting this October, keep an eye out for important updates from RACQ Bank and Bendigo Bank regarding the transition. Please review these communications carefully as they outline your personalised account and product information, key transition dates, and any essential actions to take before, during, and after the move.
Feel free to visit this page regularly before and after the move as we’ll be updating it with new information as it becomes available.
What can I expect as a Bendigo Bank customer?
- Have access to hundreds of branches and ATMs Australia wide, including 70 branches across Queensland.
- Experience a wide range of competitive products, services and digital banking capability.
- Enjoy the convenience and security of 24/7 internet banking, phone banking or banking via the Bendigo Bank app.
- Feel good knowing your banking supports your community.
- Be supported by award winning customer service.
Important information
Banking outage: All RACQ Bank services will no longer be available from 12:00pm Friday 13 November (AEST).
When your RACQ Bank accounts are in the process of moving across to Bendigo Bank, your RACQ banking services will be unavailable. This is to ensure the safe and secure transfer of your accounts and to have your new accounts up and running as quickly as possible.
Important dates and times (Queensland Time / AEST):
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1Up until Wednesday 11 November, 5pm:
Contact RACQ Bank on 1800 637 013 if your Australian mobile phone number has changed, or you are unsure which mobile number is registered. -
2Thursday 12 November, 4:30pm:
Cash services at RACQ Bank stores will end. -
3Friday 13 November, 12pm:
Transition starts. RACQ Bank cards, mobile app, internet banking, phone banking, and payments will cease operating. -
4Sunday 15 November, 8pm:
Transition completes. You will receive an SMS confirmation once your accounts are ready. -
5Monday 16 November, 8am:
Bendigo Bank Customer Service Centre opens. For any assistance please call us on 1300 236 344. -
6Monday 16 November, 9:30am:
Bendigo Bank branches open to welcome you in person.
What this means for you
Before the transition, please take a moment to ensure your contact information - including your mobile number, email, and home and postal addresses - is up to date with RACQ by 5pm Wednesday 11 November. You can update your details by visiting an RACQ Store, logging in to RACQ Bank internet banking or calling 1800 637 013. Please also read through the communications we’ve sent you and familiarise yourself with your new Bendigo Bank products, account details, and key dates, and keep these communications for future reference.
While we transfer your accounts over to Bendigo Bank, all RACQ Bank services will be unavailable.
Account lock
During the transition, your RACQ Bank accounts will be offline. You will not be able to access your funds or view your accounts.
No transactions
All transaction types will be unavailable.
Card & digital wallet payments
In-store purchases, EFTPOS, ATM cash withdrawals, and digital wallets (Apple Pay and Google Pay) will be unavailable.
Transfers & bills
Internet and App banking, phone banking, BPAY®, direct debits, and incoming payments will be unavailable.
Plan ahead
Please make sure you have alternative card or cash available for any everyday purchases while the move is taking place.
Accessing your money
As soon as your accounts are successfully moved to Bendigo Bank, you can log in to view your new accounts and access your money.
Please the visit www.racq.com.au/bank-transaction to download a copy of the transition checklist to help you prepare for your move.
Your Bendigo Bank Changes Booklets
We’ve prepared a series of Changes Booklets to help you understand the changes that will apply to your RACQ Bank products after transition. Make sure you read through the ones that are relevant to you and contact our friendly team if you have any questions or would like to know more about our products and services.
These Changes Booklets provide information on:
- New terms and conditions.
- Any changes to interest rates, fees and charges.
- How you will access your accounts and make payments. 
Important note for Personal Loans: Specific terms and conditions have been updated since our initial communication. To ensure you have the most up-to-date information, please refer to the latest Bendigo Bank Communication. Full terms and conditions as they apply to your personal loan are available under Personal Loans on this page.
While these terms and conditions are included in the booklet above, you can access them individually below for quick reference:
While these terms and conditions are included in the booklet above, you can access them individually below for quick reference:
While these terms and conditions are included in the booklet above, you can access them individually below for quick reference:
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Bendigo personal accounts facilities terms and conditions (RACQ transition)pdf, 846 KB
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Business fees and chargespdf, 515 KB
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e-banking telegraphic transfer terms & conditionspdf, 265 KB
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Bendigo personal accounts facilities terms and conditions (RACQ transition)pdf, 846 KB
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Schedule of fees charges and transaction account rebatespdf, 429 KB
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Bendigo term deposit accounts facilitiespdf, 355 KB
While these terms and conditions are included in the booklet above, you can access them individually below for quick reference:
While these terms and conditions are included in the booklet above, you can access them individually below for quick reference:
While these terms and conditions are included in the booklet above, you can access them individually below for quick reference:
Who can I talk to?
If you have questions about your transition, please contact RACQ Bank.
If you have questions about your new Bendigo Bank products and accounts, please contact us.
Protect your personal information: Stay Scam Aware
Remember:
- Bendigo Bank and RACQ Bank will never contact you unexpectedly via SMS, phone, or email asking for your password, e-banking log-in details, card PIN, or one-time security codes.
- We will never ask you to transfer money to a "holding", "safe", or "temporary" account.
- If you receive any suspicious communication, stop immediately, do not click links, and call RACQ directly on 1800 637 013 (before transition) or Bendigo Bank on 1300 236 344 (after transition).
- Learn more at bendigobank.com.au/security.
Frequently asked questions
These FAQs are designed to help you through your transition to Bendigo Bank. We’ll be updating these frequently, so be sure to check back in when you need to.
RACQ is selling its retail lending and deposit business to Bendigo Bank. Subject to regulatory approval, eligible RACQ Bank products and accounts will move to Bendigo Bank products as part of the transition.
Make sure your contact details are up to date and read all communications you have received from RACQ Bank and Bendigo Bank, the Bendigo Bank Changes Booklet and transition checklist before the main outage period.
The transition starts at 12pm AEST (Queensland time) on Friday 13 November 2026 and ends by 8pm AEST on Sunday 15 November 2026. We’ll send you a confirmation SMS once the transition is complete and let you know your next steps.
To safely bring your accounts over to Bendigo Bank, RACQ bank accounts and services will be unavailable. During this time, you won’t be able to use your debit card, ATMs, or digital banking during this time. Make sure you’re prepared by having back-up funds or cash available to you before the outage begins at 12pm Friday 13 November.
Plan ahead and make sure you have access to money for shopping, bills, and other expenses during the outage period. Some services will become unavailable before the main outage period.
If you can’t access your accounts or have trouble logging in to Bendigo e-banking by Monday 16 November, please call us on 1300 236 344 or visit any Bendigo Bank branch from 9:30am.
Some services will become unavailable before the main outage period. Please visit www.racq.com.au/bank-transaction for more information.
Before your RACQ Bank products move across to Bendigo Bank, you will have received a letter from us that contains your new customer and account number/s. You will also soon receive a letter with your new Access ID for logging on to Bendigo e-banking (if you wish to do so).
Your new Bendigo Bank Debit Mastercard® will arrive in your letterbox prior to the transition weekend. It will be ready to activate and use after the transition is complete. Don’t forget! Your old RACQ Bank card will stop working at 12pm on Friday 13 November.
For security and simplicity Bendigo Bank only issues one debit card per primary account. If you need a card for any of your eligible secondary accounts, we can help. Once the transition is complete just give us a call on 1300 236 344 or visit your nearest branch and we’ll order it for you. And if you’re not sure which account your new card is connected to, you can easily check by logging in to the Bendigo Bank app or Bendigo e-banking.
To keep your bills and payments running smoothly, Bendigo Bank will automatically redirect any payments coming in or out of your old RACQ Bank account details for 3 months after the move. This will give you plenty of time to share your new Bendigo Bank BSB and account number with your service providers so everything stays on track.
If you have any questions relating to the transition from RACQ Bank to Bendigo Bank, please visit www.racq.com.au or call 1800 637 013.
If you have a question relating to a Bendigo Bank product or service, you can call us on 1300 236 344.
You’ll need to chat with RACQ Bank if you have any questions about your existing products and services. Please visit www.racq.com.au or call 1800 637 013.
Keeping your personal and financial details safe is one of our highest priorities. If you’d like more information on how we manage and protect your personal information, you can read our Bendigo Bank Privacy Policy.
Things you should know
All information including interest rate is subject to change without notice. The effective date for each terms and conditions document is featured on the cover page.
