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Cards & ATM FAQs

You can report a lost or stolen card using the secure message feature available through internet online banking. Just log in to online banking, select "Secure messages" and select the option for reporting a lost or stolen card. Alternatively, you can contact us on 13 1905 or visit your nearest local RACQ branch and we can block your card to keep your money safe.

If you've noticed transactions on your Visa Debit or rediCARD statement that you are unsure of, contact us immediately on 13 1905 or visit your nearest RACQ Bank branch. If you suspect your card has been used for fraud, you should log in to internet or mobile banking immediately and block your card. After you've blocked your card you can send us a secure message, call us on 13 1905 or visit your nearest RACQ Bank branch to start the transaction dispute process.

If your card is damaged, lost or stolen, you can order a replacement one quickly and easily online. Simply log in to online banking and follow the prompts to "Request replacement card". We’ll have a new card out to you within 7-10 days. If you’ve lost your card, it's been stolen, or there are unauthorised transactions, make sure you disable or permanently block your card first. This way, no-one will be able to use it while you’re waiting for your new card to arrive.

If you’ve lost or misplaced your Debit Card you can temporarily disable it through internet and mobile banking 24 hours / 7 days a week. Just log in to online banking and click "Card options". When you find your card again simply log back in to online banking to enable it. Remember, only enable your card if you're sure no one has had access to it while it was lost.

If your card's been temporarily disabled you can enable it again online. Just log in to online banking, choose "Card options" and select "Enable card".

If you've already ordered a new card your old card will be permanently blocked so you won't be able to enable it again. You should receive your new card within 7-10 days. When your card arrives you can activate it online simply by logging into to online banking and selecting "Card options". For your safety, only enable your lost card if you're confident no one else had access to it while it was misplaced.

If you need to block, temporarily disable or enable your card just log in to online banking. Navigate to ""Card options"" through internet banking or the mobile banking app to manage your cards. Alternatively, you can call us on 13 1905 or +61 (0) 7 3845 4851 from overseas and one of our friendly team members will block your card for you.

If you lose your card or your card is stolen, login to internet banking immediately to temporarily block your card. This can be done under "Card options". To block your card we'll send out a one-time-password to your nominated device. If you've lost your mobile phone you can call us on +61 (07) 3845 4851 and we'll block your card for you.

You can activate your Visa Debit card online through internet and mobile banking. Simply login, select "Card options" and "Activate card". Alternatively, please call us on 13 1905 or visit your nearest local RACQ Branch and one of our friendly staff will activate your card for you.

Some ATM operators may charge a fee for using your rediCARD or Visa Debit Card at their ATM. The fee is displayed and charged by the ATM operator at the time of use.

Please refer to our Fees and Charges Schedule for a full list of fees.

Visa payWave is a contactless method of payment for purchases under $100. The technology built into your payWave-enabled Visa card allows you to pay quickly and conveniently by waving your card over a secure contactless terminal without having to enter your PIN.

For purchases over $100, you will be prompted to enter your PIN.

Visa payWave cards carry the same layers of security as any other Visa chip card, including Visa’s Zero Liability, which ensures Visa cardholders are protected from unauthorised transactions. Furthermore, Visa payWave terminals are designed to only make one transaction at a time per card. Each transaction must be complete or void before another one can take place.

Any participating retailer or ATM that displays the contactless symbol can accept payWave payments.
No, you can continue using your QT Mutual Bank Visa Debit Card or rediCARD until its expiry at which point you will be issued with a new card.

When a VISA Debit transaction has occurred in a foreign currency and is converted to Australian dollars (AUD) a Foreign Currency Conversion fee is charged, this fee is a percentage of the transaction value.

Please refer to our Fees and charges schedule for a full list of fees.

Card clash occurs when two or more contactless payment methods are stored in close proximity to each other and the wrong card or device is inadvertently charged at payment. This can most commonly occur through tapping your wallet, purse or mobile phone on a card reader that also stores multiple contactless cards, or by holding your wallet or purse in your hand while paying using your mobile digital wallet.

RACQ Bank advises to take care when making payWave or digital wallet (Google Pay, Apple Pay, Samsung Pay) payments to ensure no other contactless card or digital-wallet-enabled device come near the reader.

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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 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, 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.

Mortgage Saver is only available for new lending to RACQ Bank. Customers with an existing home loan can switch to Mortgage Saver with a minimum $20,000 in additional new lending.

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Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Fees, charges, terms and conditions apply. Contact us for a copy. This is general advice only and may not be right for you.

You can only create a PayID within mobile or internet banking by linking it to an eligible account. Not available on some accounts.

Biometric identification features are compatible with selected devices only, noting that some devices may not be able to use particular Biometric identification methods. For Android, selected biometric features should be available on devices with android v 4.4 or greater, provided that feature is available in device. For iOS device, any device that is running with IOS version 9,10 or 11(or greater), provided that feature is available in device.

® Registered to BPAY Pty Ltd ABN 69 079 137 518