Change your payment account

You can open up to three payment accounts online. You can open them for yourself or as joint accounts.

Want to open a fourth payment account? Contact us so we can discuss why you would like to open an extra payment account.

You can change your payment package as often as you like.

Once you submit a change, we’ll get to work on it. The change may take effect immediately, or it may take a few days. This depends on what you want to change.

For example, an address change takes effect immediately.

Some applications require our approval first, such as an application for an overdraft or a credit card.

If a second account holder needs to sign, we’ll always notify them through Messages in Online Banking or the Rabo App. If we need any additional information, we’ll ask you for it.

If you choose a joint payment account, you’ll always receive two debit cards for that account: one for you and one for your partner.

If you open an account for yourself, it comes with one debit card as standard.

The cost of an additional debit card depends on your payment package. If you’re not sure which package you have, check Rabo Online Banking. The name of your package appears above each payment account.

If you have a joint account with your partner, you can apply for an additional debit card for your partner. The following fees apply:

The main difference between paying by credit card and paying by debit card is when the money is withdrawn from your bank account.

If you pay with a Rabobank credit card, you’ll receive a statement of your credit card spending at the end of the month. We’ll withdraw the full amount from your account at once at the end of the month.

If you pay with your Rabobank debit card, the money is withdrawn from your bank account immediately.