RaboCard
You will receive the RaboCard free of charge with the Rabo Basic Package or for a small additional fee per month with the Rabo Student Package.
*You can read more about this below on this page.
RaboCard, our basic credit card
The RaboCard allows you to pay easily and securely at home, abroad, and online. With the RaboCard, many purchases are insured for 180 days against loss, theft, and damage. It’s easy to apply for this credit card online if you have the Basic Package with us. Do you have the Direct Package? If so, it’s cheaper to convert your package to the Basic Package than to purchase a separate RaboCard. If you don’t have a payment package with Rabobank yet, then apply for that first. You need a payment package to apply for a credit card.
Why you should choose a credit card from Rabobank
It’s never been so convenient to pay by credit card
Want to make contactless payments with your credit card or pay using Apple Pay or Google Pay? Pay by credit card in online stores, shops, and restaurants. Book a hotel or car. Pay securely with your credit card however you want.
Take care of a lot of credit card matters yourself
Want to know how to activate your credit card, or how to block your credit card if you lose it? Forgotten your PIN? Planning to make a purchase that is higher than your available funds? It’s easy to take care of all this with the Rabo App, which is ranked in the world’s top 10 banking apps!
Credit card insurance
A purchase has been made with your credit card, and it has been stolen, damaged, or lost. Your flight or luggage has been delayed and you need to buy a few essentials. Purchases made with your credit card are insured or reimbursed in many situations.
Key features of the RaboCard
You can make contactless payments with your Rabobank credit card as well.
Contactless payment without a PIN is only possible once you have made an initial payment with your PIN. After that, it works for amounts under €50. How to make contactless payments:
• Hold your credit card close to the payment terminal.
• We will check your payment. This also prevents you from paying more than once.
• Within a few seconds, you will see on the screen whether your payment has been approved.
• If you want to pay more than €50, you can do that contactlessly too. It works in the same way, but you do have to enter your PIN during the process.
Would you rather pay with your phone? You can! It’s easy to add your credit card to Apple Pay.
In many cases, items you purchase with your credit card are insured in several ways. This is because there is cover:
• against the risks of loss, theft, and damage of items for personal use*
• if your flight is delayed
• if your luggage is delayed
* from the moment you received the product
The cover applies with a RaboCard up to 180 days after purchase.
With the RaboCard, you have a default spending limit of €1,000 per month. You can easily change this limit to a maximum of €10,000.
You repay the amount spent toward the end of the month.
You can take care of a lot of things relating to your RaboCard yourself in the Rabo App and in Rabo Online Banking. There, you can also view your entire credit card spending.
If you have a new payment account with Rabobank, our free Switching Service ensures that direct debit payments are automatically collected from your new account. The service is convenient and quick to set up online.
Take advantage of discounts and special promotions with your RaboCard Mastercard thanks to Priceless Specials. You can access pre-sale tickets and preferred seats for LiveNation concerts at Priceless.com.
You can choose the RaboCard as an option with the Rabo Direct Package, Rabo Basic Package, and Rabo Student Package. There is an additional monthly charge for an additional RaboCard.
| Offer of the RaboCard with | |
|---|---|
| Rabo Direct Package | |
| first credit card | + €2.00 per month |
| additional credit card for a co-account holder | + €2.00 per month |
| Rabo Basic Package | |
| first credit card | as desired with no additional fee |
| additional credit card for a co-account holder | + €0.75 per month |
| Rabo Student Package | |
| first credit card | + €1.25 per month |
Making payments and withdrawing cash with your credit card
If you pay in euros with your RaboCard, there are no additional fees involved. This also applies to payments in euros abroad. If you pay in a foreign currency, Rabobank will charge an exchange rate surcharge. This means that the exchange rate is increased by 2% of the amount drawn. If you withdraw money at an ATM or counter, you will pay €4.50 per withdrawal.
| Payments | |
| euro costs | no additional fees |
| foreign currency costs | 2% exchange rate surcharge |
| Withdrawing cash with your RaboCard* | |
| euro costs | €4.50 per withdrawal |
| foreign currency costs | €4.50 per withdrawal + 2% exchange rate surcharge |
| Withdrawing money at a counter with your RaboCard* | |
| euro costs | €4.50 per withdrawal |
| foreign currency costs | €4.50 per withdrawal + 2% exchange rate surcharge |
*(Online) service providers, banks or retailers sometimes charge a surcharge for payments or cash withdrawals with your credit card.
An income requirement applies when you apply for a RaboCard with your payment package. This means that you must have received sufficient income into your payment account in the past three months. Below you will find the income requirements for each payment package.
Rabobank checks the income in your account and also verifies your data with the Dutch Credit Registration Office (BKR).
| Payment package | Minimum required income |
|---|---|
| Rabo Basic Package | €1,000 per month |
| Rabo Student Package | €500 per month |
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 apply for a RaboCard
Not a customer yet?
If you are not yet a Rabobank customer, you must first open the Rabo Basic Package. During the application, you can indicate that you would like a RaboCard.
Already a customer, but not got the Rabo Basic Package yet?
You can apply for a RaboCard if you have the Rabo Basic Package. Do you have the Rabo Direct Package? If so, it’s more beneficial to convert your payment package to a Rabo Basic Package.
Already have the Rabo Basic Package?
Log in and simply apply for your RaboCard. Once your application has been approved, your credit card will be delivered to you within 3 to 5 working days. Do not forget to activate your credit card before you use it!
Credit card self-service
Want to know how to activate your credit card, or how to block your credit card if you have lost it? Or are you looking for an overview of your spending, or would you like to receive a copy of your statements? With our credit card self-service you will find all the answers to the questions most asked about your credit card.
RaboCard terms and conditions
The PDF document ‘Information about RaboCard and Rabo GoldCard insurance and services’ from January 2022 is the updated version of the now obsolete information sheet ‘Key features of insurance and services with RaboCard and Rabo Goldcard’ from 2009.
FAQs about the RaboCard
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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.