Rabo Basic Package
You can also apply for a joint Rabo Basic Package. Pay easily and securely with our credit card, worldwide and online.
* Credit card terms and conditions apply. Find out more below.
Our most affordable account you can use together, with credit card included
What if you both want a payment account for day-to-day banking? Then the Rabo Basic Package is a good choice. You can pay as you want and simply use the app, whenever, wherever. You’ll also both receive a credit card with a spending limit of €1,000 per month – ideal for online shopping or going on holiday.
Why you should choose a Rabobank joint payment account
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. The Rabo App makes banking securely on your phone or tablet simple.
Online access at all times
Manage your banking matters quickly and securely online, via our website or the Rabo App. Check your banking wherever and whenever you want. What’s more, we help you think about your financial future.
Free Switching Service
Do you have a new payment account? Our Switching Service will ensure that direct debit payments from your old account are automatically collected from your new payment account. So handy!
Key features of the Rabo Basic Package
Debit card
With the joint Rabo Basic Package you receive 2 debit cards. You can use the cards for card reader transactions and contactless payments.
You can also make payments almost anywhere in the world and withdraw cash in foreign currencies.
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. It’s easy to make contactless payments with any Rabobank debit card. You don’t need to do anything else. You can also choose from multiple contactless payment options, such as Apple Pay and Google Pay. How do you want to pay?
A credit card can be useful. You can apply for a credit card at no extra cost. With the RaboCard, you can spend up to €1,000 a month. Not enough? Then adjust the spending limit to up to €10,000. At the end of each month, you pay the amount spent on your card back to us.
When you purchase something with your RaboCard, you will often be insured in several ways. After making a purchase, you enjoy up to 180 days’ cover:
Manage your banking needs wherever and whenever you want, using the Rabo App or Rabo Internet Banking. Receive an immediate alert when your salary or vacation pay arrives or if you unexpectedly become overdrawn. You choose how you receive Rabo Alerts: by email and/or in the Rabo App. A clear overview will give you an insight into how you spend your money. You will see right away with the fixed charges overview whether further savings are possible, and you can view your subscriptions. Have you loaned someone money? Ask to be reimbursed by sending a payment request. These are just some of the features.
If you have a new payment account with Rabobank, our free Switching Service will ensure that direct debit payments are automatically collected from your new account. The service is convenient and quick to set up online.
Fees
Holding the joint payment account and offering a debit card and credit card
| Rabo Basic Package | € 5.45 per month |
| Options | |
| Additional debit card Additional credit card | + € 1.20 per month + € 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 feesn | 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 |
| Cash withdrawal using a credit card** | € 4.50 | € 4.50 + 2% exchange rate surcharge |
* (Online) service providers or shops may charge extra if you pay with your credit card.
** Foreign banks may charge fees for using the ATM. If so, you will be informed when you use it.
*** This applies to ATMs in the Netherlands and abroad that are not owned by Geldmaat. No fees apply for cash withdrawals from a Geldmaat or Rabobank ATM.
Fees for paper bank statements
You do not pay anything for a monthly paper bank statement if your payment account has not been added to an agreement for Rabo Internet Banking. If it has, you will pay for your paper bank statements. This is because you can 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 will inform you if the rate changes.
Fees and rates are subject to change.
There is no minimum required income for the Rabo Basic Package.
If you want a credit card or an overdraft facility on your account, your payment account must be credited with a minimum income each month:
For Rabo Short-Term Overdraft, the amount you can be overdrawn is between €500 and €1,000. We call this the credit limit. This depends on your monthly income.
We will regularly check whether your income is still sufficient to cover the amount you regularly overdraw. If your income is too low, we may reduce or stop your overdraft facility. If you have received less income, you can lower the credit limit yourself.
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.
If you have a Rabobank payment account, you might qualify for a payment package discount on your mortgage interest rate. In that case, you’ll receive the discount whenever you agree a new fixed-rate period. This is subject to certain conditions.
How to open a Rabo Basic Package
Step 1
Start the application, identify yourself and choose whether you also want to apply for a credit card.
Step 2
We will contact you within 3 working days to arrange the payment account.
Step 3
Once your application has been approved, your debit cards, PIN codes, and Rabo Scanner will be delivered to your home within 3 days.
Step 4
Activate your debit cards. You now have everything you need to start using your payment account!
Terms and conditions
View the terms and conditions for payment and online services
FAQs about a joint account
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.