Frequently Asked Questions

At Regional Australia Bank we like to make the complex, simple.

What is Regional Australia Bank’s BSB number?


How do I download the Regional Australia Bank App?1

Search ‘Regional Australia Bank’ on your Apple or Google Play store and simply download2. To set up your password you will need to login with your Internet Banking password and you will be prompted to create an individual password for when you use the app.

I am trying to make a purchase online and it's asking me to enter my Verified by Visa details, what does this mean?

Verified by Visa is a free, online security layer designed to protect you and make Internet transactions safer at participating merchants.

When shopping online with a Verified by Visa retailer, we will assess the security of the transaction and where we determine there is a potential risk, you will be requested to provide additional information to confirm your card isn't being used without your permission. The questions we will ask will be personal information we hold about you and are not sent to the retailer.

For more information see our Verified by Visa page or read more at Visa

To enable Verified by Visa create an account here.

How do I update my contact details on Internet Banking?1

Log into Internet Banking, navigate to ‘settings’ and then to ‘contact details’.

I don’t live near a Regional Australia Bank branch, how can I deposit cash or cheque into my account?

Through our partnership with Australia Post, [email protected] allows you to withdraw and deposit funds3

I need a bank statement or transaction list, how do I organise this?

You can access your statements online if you have registered for online statements

You can also produce a transaction list yourself through your Internet Banking1.

If you have access to Internet Banking and would like to make the switch for online statements for future statements simply log into Internet Banking, navigate to ‘settings’ and then ‘online statements’1.

If you do not have Internet Banking please contact us, call 132 067 or visit your local branch and we can print the statement for you.

I have lost my card, what do I do?

If your Regional Australia Bank Credit Card, Visa Debit Card or Access Card has been lost or stolen, please contact us on 1800 139 241 immediately so we can stop all transactions on your account.

You can also contact the Service Support Centre on 132 067.

If you're currently overseas please phone +61 (0)2 8775 9181.

Regional Australia Bank Mobile Banking App users can also report or block cards via the card management section within the app.

For more information, please see our Lost or Stolen cards page.

I'm planning on going overseas, what do I need to do?

If you are planning on going overseas in the near future, please contact us on 132 067 to advise us of the dates that you will be away and where you will be travelling to. This is so we can safely monitor your account for possible fraud. You may also need to provide an alternate contact number prior to leaving Australia in the case that fraud is evident.

If your card is lost or stolen whilst overseas please contact us +61 (0)2 8775 9181.

I need to make a large external transfer on Internet Banking which may be over the daily limit, what do I do?

If you require to make an external transaction online which exceeds your daily limit, you will need to contact us on 132 067 or visit your local branch and our friendly staff will be able to assist you.

Someone from overseas wants to complete a transfer to my Regional Australia Bank account, what details do I need to give them?¹

You can receive money from overseas using our Western Union international payment service by completing a Payment Instruction Online Form and sending it to the payee.

  1. Complete the Payment Instructions Online Form to generate payment instructions for your payee.
  2. Choose the country you are receiving funds from.
  3. Complete the relevant information in the online form and submit.
  4. You will then receive an email from '[email protected]' with payment instructions attached.
  5. Send the payment instruction to your payee.


Alternatively, you can ask your payee to use the following details. Please ensure your payee includes the reference details:  

  • Name of account holder: Regional Australia Bank Ltd.
  • Account Number: 835489086
  • BSB: 012 510
  • Swift Code: ANZBAU3M
  • Reference Field: Your membership name (the name your account is in) and your membership number


Find more information about sending and receiving money overseas in International Payments.

I’ve changed my address or phone number, how do I notify you?

You can either contact us on 132 067, or alternatively you can update your details within Internet Banking1.

What do I do if I've forgotten my internet banking password?1

Please contact us on 132 067 so we can help you reset your password.

What do I do if I notice a transaction on my account that I have not made

You will need to contact the Service Support Centre on 132 067 or go into one of our branches to dispute the transaction/s.

If it is outside our operating hours (8.00am - 6pm weekdays, 8.30am -12 noon Saturday) please call the Lost/Stolen Card Hotline on 1800 139 241 to have your card cancelled immediately and contact the Service Support Centre on 132 067 or go into one of our branches to dispute the transaction/s during business hours.

A formal dispute will commence once all necessary paperwork has been received, this process can take up to 45 days for Visa transactions and 21 days for EFT transactions. Please note that these time-frames may be extended and you will receive written notification to advise of this.

What is the daily withdrawal limit for ATMs?

$1000 per day.

Which ATMs are fee free?

You can use any Regional Australia Bank ATM, Westpac ATM, St George ATM, Bank of South Australia ATM or Bank of Melbourne ATM within Australia without incurring any fees4.

Where is my payment?¹

If you are waiting on a payment to come through to your account, please note that it can take 24-48 hours to reach your account from the time it was sent. If it has been over 48 hours you can contact us on 132 067 and we can check whether your payment has been received or it has been rejected by Regional Australia Bank for any reason.

What details do I give out for funds to be credited/debited from my account to an external account?

You will need to provide the following:

  • Name against account
  • BSB: 932 000
  • Account number (your member number)

Please note that if any of these details are incorrect credits or debits may be rejected.

What details do I give out for funds to be credited/debited from my account to another Regional Australia Bank Account?¹

You will need to provide the following:

  • Name against account
  • Account number (your member number), plus the account type, i.e. 123456S3

Please note that if any of these details are incorrect credits or debits may be rejected.

How do I cancel a Direct Debit?

As a direct debit is an arrangement you have organised with a merchant we do advise you to contact the merchant directly to cancel the direct debit authority to prevent incurring possible charges. By us cancelling the authority, it does not cancel the legal arrangement you have in place with the debiting company.

To request a stop you can contact our Service Support Centre on 132067, visit your local branch or complete and email the Direct Debit Cancellation Form - Jan 2018 to [email protected].

How do I open an account with Regional Australia Bank?

To open an account with us simply contact us on 132 067 or visit one of our branches and our friendly staff will be able to assist you.

What are the cut off times for transfers?

Transfers to another Regional Australia Bank account (completed without a BSB) are usually processed instantly- 24 hours a day, 7 days a week.

For transfers to other institutions (using a BSB), we make every effort to ensure that transfers completed before 4:30pm (NSW time) on business days will be sent to the receiving institution that same day. However, this may not always be possible due to circumstances out of our control. Similarly, availability of funds is also subject to the transfer being processed by the receiving institution.

Our Internet Banking platform is a secure and user friendly way to conduct your banking.

How do I apply for Internet Banking?1

Simply call 132 067 or visit your local branch.

How much does Internet Banking cost?1

Access to the Regional Australia Bank's internet banking service is free, however some transactions completed using internet banking may attract a fee. Please refer to our Fees and Charges for specific transaction details.

Can I export/import a transaction file?1

  • You can export your transactions into the following formats
  • CSV: Comma Separated Values, Generic format for spreadsheets  OFX: Open Financial Exchange  
  • OFC: MS Money Format 
  • QIF: Quicken Format 

To do this, select the account on the Internet Banking home page and click ‘Download Transactions’ and follow the prompts.

If you need to make multiple, regular payments such as salaries to staff or BPAY payments you can upload an ABA file into our Batch Payment service. Select ‘Batch Payments’ from the ‘Transfer’ menu option.

How can I reset my password?1

If you need to reset your password or have been blocked from Internet Banking please contact us on 132 067. Once the password has been reset by us you’ll need to log into Internet Banking to create your own secure password.

If you know your password but simply want to update it then please login into Internet Banking and change it under settings/password.

Does my login password expire and if so when will I know to reset it?1

When your login is due to expire you will be prompted to create a new password.

You cannot reuse a previous password.

What security can I have on my account?1

Regional Australia Bank offers a range of security options to protect your banking while online including SMS alerts for selected transactions and changes as well as Security Tokens. To select the option that best suits your needs please contact us on 132067.

Will I be charged for using the one-time password service?1

There is no charge for the use of security tokens or SMS one-time passwords. However, if your token is lost or damaged as a result of misuse you may be charged a fee to cover the cost of a replacement. See Fees & Charges for details.

What happens if I misplace, lose or break my security token?1

For the security of your account, please let us know immediately if you have lost your security token by contacting us on 132 067. We will disable the old security token and organise a new one which will need to be registered to your login.

Do I need to install software to use Internet Banking?1

You do not need to install any software from Regional Australia Bank to access Internet Banking.  However, it is recommended you have an up to date web browser installed on your computer to make use of the additional security features, speed and customisations provided by browser manufacturers.

Regional Australia Bank Internet Banking supports the following browsers1

  • Google Chrome (PC and Mac) 
  • Firefox (PC and Mac)  
  • Apple Safari 6 and above (Mac only) 
  • Microsoft Internet Explorer 9 and above (PC only) 

You should also consider buying security software or ensuring that your existing security software is up to date.


See our web browser support for more information.

Security tips for Internet Banking

What system security is in place for Internet Banking?1

Regional Australia Bank take the security of your personal details and financial transactions very seriously and as such we utilise industry leading security systems, fraud prevention tools and transaction monitoring to ensure your online banking experience is secure.

These security measures include;

Secure login: To access Internet Banking you need to verify your identity by supplying your member ID and password.

Transaction monitoring: Regional Australia Bank uses up to date technology to monitor and detect any possible fraudulent transactions. On occasion we may contact you to confirm transactions which may appear unusual are correct. At no time during these calls will we request your Internet Banking log in or your card PIN.

Encryption: We use strong encryption to scramble all the data computers send when they are communicating with each other. Regional Australia Bank uses a 256-bit Transport Layer Security (TLS) which provides one of the best forms of encryption available.

Session timeout: To protect your accounts from any unauthorised activity in the event your session is left unattended or terminated abnormally, Internet Banking will automatically log you out and close your session.

Access lock out: To help protect you against anybody trying to hack into your account online, all login attempts into your account are recorded. If the number of unsuccessful login attempts exceeds the limit set by us, access to your Internet Banking service will be disabled immediately.

What can I do to ensure my Internet Banking is secure?1

Here are some tips to keep your banking experience secure.


  • Type into your browsers address bar when you access our website and Internet Banking services rather than using your browser’s favourites or links sent to you in emails or via SMS.
  • When you log into Internet Banking check the web address and ensure SSL/TLS encryption security is in place and the security certificate is valid
  • Make sure you keep your operating system up to date to help prevent viruses and other potential risks. Check to see if automatic updates can be enabled for extra peace of mind.
  • Ensure your Internet Banking password is strong and unique and keep it a secret. Choose a password which is easy for you to remember, but hard for others to guess. Don't use your date of birth, telephone number, address, your name or the name of a friend or relative.
  • Make sure you change your password on a regular basis - ideally every three months.
  • Turn off the automatically remember your username and password feature in your browser. See your browser’s documentation for details.


  • Avoid using public computers such as those in internet cafes, hotels and airports. If you need to, make sure you clear the browser’s cache, history and cookies when you have finished.
  • Do not allow your browser to remember your password. Not only can other users who have access to your computer log in to your account and see your passwords, but if your computer, smartphone, or tablet gets lost or stolen then so can anybody who finds it.
  • Never write your password down or share it with anyone.
  • Do not install software or run programs if you are unsure of their origin
  • Do not click on links to websites or open attachments you are unsure of. Look out for emails that contain offers that seem too good to be true - they’re usually after your personal information or want you to download malicious software.
  • Do not leave your computer unattended while you are logged in to Internet Banking. Make sure you click the ‘Logout’ button when you have finished.

Never give your Internet Banking password out to anyone. If you become aware of a suspicious email, internet or telephone hoax, or if you think you have received a "scam e-mail", please contact us immediately on 132 067.

Here are some more tips to help you stay smart online.

For the best online banking experience and security features update your browser – here’s why.

Regional Australia Bank recommend if you are not using the most up to date version possible, that you upgrade your browser to a newer version that can:

  • Provide you with additional security features (newer browsers protect you better against scams, viruses, Trojans, phishing and other threats);
  • Increased browser speed (every new generation of browser improves load times)
  • Improved website compatibility (websites using new technology will be displayed more accurately);
  • Use new features and customisations to give you more comfort and a better online experience.

Outdated browsers provide limited features, bugs and operating faults, and a security risk to those using them.

If you can’t change your browser because of other requirements please consider installing a second browser for Internet Banking.

If required please speak to your network or computer provider.

For the best online banking experience and security features, Regional Australia Bank recommends using one of the following free and reliable browsers when accessing Internet Banking.

  • Google Chrome (PC and Mac) 
  • Firefox (PC and Mac) 
  • Apple Safari 6 and above (Mac only) 
  • Microsoft Internet Explorer 9 and above (PC only)
  1. Please Refer to Account and Access Facility Conditions of Use.
  2. Apple is a registered trademark of Apple Inc. App store is a service mark of Apple Inc. Android is a trademark of Google Inc.
  3. Fees and charges may apply, please refer to our Fees and Charges.
  4. ATM transactions with institutions other than those listed may incur third party charges.