Rabo Comfort
Most complete Rabo payment package for your combined finances.
*Subject to change. Terms and conditions are applicable to credit card and insurance.
Keep joint control of your shared finances
With Rabo Comfort, you can arrange all your combined money matters in a single joint account in the Rabo App. You both have a clear picture of your finances and you can easily share expenses and create budgets together. You do not pay anything for first six months. After that period ends you pay the regular fees. You can choose whether you want have a debit card, credit card and 10% discount on multi-trip travel insurance from Interpolis. When travelling, you do not pay any additional fees in countries that use the euro. A surcharge applies outside the euro zone. Whether you are at home or are travelling, everything is taken care of.
Credit card for additional flexibility
If you want to make a large purchase, book a holiday or just need a little more flexibility during the month, a credit card makes this easy. You will receive one card and you can spend up to €10,000 per month (depending on your income). The amount is not debited from your account until the end of the month. This helps you form a clear picture and gives you the flexibility to make plans.
Open Rabo Comfort in four steps
Arranged in just five minutes in the Rabo App.
Open the Rabo App
If you do not have the app yet, download it from the app store.
Start your application
Go to 'Products' and select 'Apply for payment account'. Indicate that you want to open a joint account. The other person will receive an email containing an invitation.
Enter your details and confirm your decision
You will need a valid passport or ID card. The other person must confirm the decision.
Receive your banking products
You will receive your debit cards and PINs by post within five working days. Both of you will then be able to make payments using your new account.
Fees and terms and conditions
Terms and conditions
View the terms and conditions for payment and online services, as well as the retail payment transaction fees and limits
Terms and Conditions for Payment and Online Services 2025
Costs
How much does a payment account or an additional debit card or credit card cost?
| Rabo Comfort | €6.95 per month |
| Options | |
|---|---|
| Additional credit card | + €0.75 per month |
| Additional debit card | + €0.00 per month |
| Monthly paper bank statement | + €1.20 per month |
| Paper bank statement every two weeks | + €2.50 per month |
| Weekly paper bank statement | + €5.40 per month |
| Monthly paper bank statement if the payment account has not been added to Rabo Internet Banking | Free |
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** | No additional fees | €1.4% exchange rate surcharge |
| Cash withdrawal using a credit card** | €4.50 | €4.50 + 2% exchange rate surcharge |
* Some service providers and retailers (for example, certain online retailers) apply a surcharge for credit card payments. In such cases you pay a small additional amount.
** Foreign banks may charge fees for using the ATM. You receive a notification to this effect when making the cash withdrawal.
Emergency cash for financial assistance in the event of an emergency outside the Netherlands
| Amount | Fees per provision |
|---|---|
| €250 t/m €550 | geen extra kosten |
| €550.01 t/m €1,000 | geen extra kosten |
| €1,000.01 t/m €2,200 | €57.25 |
| €2,200.01 t/m €6,200 | €62.75 |
Interest rates
The interest rate is variable. That means it can change at any time. We will inform you if the interest rate changes.
Fees and rates are subject to change.
FAQ
Start with your new payment package
Now free for the first 6 months