Upcoming changes to your RACQ Bank products
In October, you will receive important communications from Bendigo Bank. Please read the information you receive carefully. These communications will include personalised details about your new Bendigo Bank products and accounts, key transition dates and any actions required before or after the transition.
Important dates and temporary service outages
To complete the move to Bendigo Bank, all banking services will be unavailable from 12.00pm AEST (Queensland time) Friday 13 November 2026 until 8.00pm AEST Sunday 15 November 2026. During this time, you won't be able to access your RACQ Bank accounts, funds or cards, so it's important to plan ahead and ensure you have access to money for shopping, bills and other expenses.
Services you will not be able to use during the transfer
Cards and digital wallets
You will not be able to:
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Shop in-store or online using your card -
Pay using EFTPOS
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Use Apple Pay, Google Pay or Samsung Pay
Cash withdrawals
You will not be able to:
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Withdraw cash from an ATM
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Get cash out in-store
Regular payments and deposits
You will not be able to:
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Receive your salary, pension or other regular deposits
Transfers and payments
You will not be able to:
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Send or receive transfers
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Use PayID or fast payments
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Make internet banking transfers
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Pay bills using BPAY
Banking access
You will not be able to:
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Use the RACQ Bank App
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Log in to Internet Banking
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Use phone banking
Scheduled transactions
You will not be able to:
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Make or receive scheduled payments
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Set up or process direct debits
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Receive direct debits
What you need to do
Some banking services will become unavailable before the transition outage period, including access to cash via RACQ Stores which will stop at 4:30pm AEST (Queensland time) on Thursday, 12 November. We recommend reviewing the information below and taking any necessary action before the relevant service closes.
| Service | When it stops |
|---|---|
| Send international payments from your RACQ Bank account | 4:30pm Friday 30 October 2026 |
| Real Time Gross Settlement (RTGS) payments | 1:45pm Thursday 12 November 2026 |
| Deposit or withdraw cash at an RACQ Store | 4:30pm Thursday 12 November 2026 |
| Receive international payments into your RACQ Bank account |
4:30pm Thursday 12 November 2026 |
Once the transition is complete, your RACQ Bank accounts will be permanently closed and can no longer be used for deposits, withdrawals, payments, transfers or other transactions. From this point, you'll need to use your new Bendigo Bank accounts for all future banking.
Download the transition checklist to help you prepare for the move and make your transition to Bendigo Bank as smooth as possible.
Important things to check
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Check your contact detailsMake sure your postal address, residential address, email address and mobile number are up to date so you receive important information from RACQ Bank and Bendigo Bank.
You can update your details up until 5pm, 11 November 2026 by visiting an RACQ store, logging in to RACQ Bank internet banking, or calling 1800 637 013.
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Read your communications carefullyFrom October, you'll receive important information about your move to Bendigo Bank, including your new account details, key transition dates and any actions you need to take. Keep these communications for future reference. -
Review your new banking detailsYour personalised letter, Bendigo Bank Changes Booklets and transition checklist contain important information about your new products, account access, payment arrangements and account details. Take time to review these communications before the transition. -
Prepare for your move to Bendigo BankAll banking services will be unavailable from 12pm AEST Friday 13 November 2026 until 8pm AEST Sunday 15 November 2026 while your accounts move to Bendigo Bank. Plan ahead and make sure you have access to money for shopping, bills and other expenses during this period. -
Update your direct debits and creditsAfter the transition, you'll need to update organisations that pay money into your account or take payments from your account with your new Bendigo Bank account details. A temporary redirection service will be available for 90 days to help you make these changes.
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Stay scam awareRACQ Bank and Bendigo Bank will never ask for your PIN, password, security codes or one-time passcodes, and will never ask you to transfer money to a "safe account", "holding account" or "new account". If you're unsure whether a message is legitimate, don't use the phone number or links provided in the message. Contact RACQ Bank using official contact details.
Stay alert to scams and only use official RACQ Bank or Bendigo Bank contact details.
Date sent Communication PDF 6 October 2026 Notice of new products and accounts and key transition dates sent to members from Bendigo Bank N/A 3 September 2026 Important update on transition timing to Bendigo Bank Download 7 August 2026 Notice of upcoming changes to your accounts Download 24 July 2026 Notice of upcoming changes to your accounts Download 17 June 2026 Notice of upcoming changes to RACQ Bank
Download 1 May 2026 RACQ Bank member notice Download 24 March 2026 SMS update (select members) N/A 24 March 2026 Email update (select members) N/A 4 December 2025 Bank transaction announcement Download
FAQs
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.
RACQ Bank subscribes to the Customer Owned Banking Code of Practice which establishes higher standards than the law requires. The Code reflects modern consumer expectations and developments in approaches to issues such as consumer vulnerability, guarantors, and supporting customers through financial hardship. Please read our Customer Owned Banking Code of Practice page for more information.
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