Rabo Basic Package
The Rabo Basic Package makes day-to-day payments easy and convenient. It includes a credit card for making secure payments online and worldwide.
* This is subject to certain conditions. You can read more about this below.
Our most affordable payment account with a credit card
You want a payment account for day-to-day banking. You want the freedom to pay the way you want, and an app that lets you check your finances anywhere. You also want a credit card with a monthly spending limit of €1,000 for online shopping or vacations. In that case, the Rabo Basic Package is right for you.
Why you should choose a Rabobank payment account
Investing in society together
We don’t have shareholders, but members. This means we don’t have to share our profits with other shareholders. Instead, our members help us decide how and where to invest part of our profits in society.
Rabo App: one of the world’s top 10 banking apps
The Rabo App is the only Dutch banking app to rank among the top 10 best banking apps in the world. With the Rabo App, banking securely on your phone or tablet is simple.
Free switching service
Have you opened a new payment account? Our handy switching service ensures that direct debit payments from your old payment account are automatically collected from your new account.
Key features of the Rabo Basic Package
Debit card
You receive a free debit card with every Rabobank payment package. You can use this card for card reader transactions and contactless payments. If you want an additional debit card for your partner, you can obtain one for a small monthly fee.
You can use your Rabobank debit card to make payments almost everywhere in the world and withdraw cash in foreign currency.
Contactless payments
Contactless payments are quick, easy and secure. You don’t need to enter a PIN code or insert a debit card into a card reader. Rabobank debit cards automatically come with the contactless payment option. You don’t need to do anything else. You can make contactless payments with your Rabobank credit card as well. You can also choose from multiple contactless payment options, such as Apple Pay and Google Pay. How would you like to pay?
A credit card is always handy to have. You can apply for a credit card without incurring additional fees. With the RaboCard, you can spend up to €1,000 a month. You can change the credit limit yourself (the maximum credit limit is €10,000). At the end of each month, you pay the amount spent on your card back to us.In many cases, items you purchase with your RaboCard are insured in several ways. After making a purchase, you enjoy up to 180 days’ cover:
against the risks of loss, theft and damage of items for personal use
if your flight is delayed
Manage your banking needs wherever and whenever you want, using the Rabo App or Rabo Online Banking. Receive an immediate alert when your salary or vacation pay arrives or if you unintentionally become overdrawn. You choose how you receive Rabo Alerts: by email and/or in the Rabo App. Use the fixed outgoings overview to gain insight into how you spend your money and discover whether further savings are possible, and view your subscriptions. If you lend someone money, send a payment request asking them to repay you. These are just some of the app’s features.
If you have a new payment account with Rabobank and you use the free switching service, your existing direct debit payments are automatically collected from your new payment account. The service is convenient and quick to set up online.
Fees
Holding the payment account and offering a debit card and credit card
| Rabo Basic Package | €5.45 per month |
| Options | |
| Additional debit card | + €1.00 per month |
| Additional credit card | + €0.75 per month |
Payment and cash withdrawal fees at home and abroad
| Payment method | In euros | In a foreign currency |
|---|---|---|
| Payment using your debit card | No additional fees | 1.4% exchange rate surcharge |
| Payment using your credit card* | No additional fees | 2% exchange rate surcharge |
| Cash withdrawal using a debit card** | €0.81*** | €3.50 + 1.4% exchange rate surcharge |
| Cash withdrawal using a credit card** | €4.50 | €4.50 + 2% exchange rate surcharge |
* Online and other service providers or retailers sometimes apply a surcharge for credit card payments.
** Foreign banks may charge fees for using the ATM. You’ll see a message about this when you make a cash withdrawal.
*** This applies to ATMs in the Netherlands and abroad that are not owned by Geldmaat. No fees apply for banknote withdrawals from a Geldmaat or Rabobank ATM.
Fees for paper bank statements
You don’t pay anything for a monthly paper bank statement if your payment account has not been added to an agreement for Rabo Online Banking. If it has, you pay for your paper bank statements because you can also download them yourself. The fees are:
Emergency cash for financial assistance in case of an emergency abroad
| Amount | Fees per provision |
|---|---|
| €250 up to €550 | €16.50 |
| €550.01 up to €1,000 | €22.00 |
| €1,000.01 up to €2,200 | €57.25 |
| €2,200.01 up to €6,200 | €62.75 |
Interest rates
The interest rate is variable and may change at any time. We’ll inform you if the interest rate changes.
Fees and rates are subject to change.
There is no minimum required income for the Rabo Basic Package.
A certain amount of income must be paid into your payment account each month if you want a credit card or an overdraft:
Rabobank is a cooperative. This means we have members, not shareholders. Today, we have more than 2 million members. This means that we’re close to all of our customers in the Netherlands. Together we know what is needed to build a stronger society – and together we make a difference! Besides benefitting you, it also enables you to have an influence on the things that matter to you.
How to open a Rabo Basic Package
Arranged within minutes
Download the app
Go to the app store and search for 'Rabobank'.
Open the Rabo App
Open the Rabo App and click on ‘Open a payment account’.
Fill in your personal details
You need a valid passport or identity card for this.
View your confirmation
You’ll be confirmed immediately. Your debit card, credit card, PIN code(s) and Rabo Scanner will be delivered to your home within three working days.
Activate your debit card and credit card
You now have everything you need to start using your payment account!
Let your money roll!
Rabo Basic Package terms and conditions
View the terms and conditions for payment and online services
Frequently asked questions about the Rabo Basic Package
Need help?
Call
Call with one of our agents
Do you have the Rabo App?
Call us securely and directly from the Rabo app. If you use the app, we can see who’s calling and we’ll be able to help you faster. Click here to call us with the Rabo App.