Rabo Direct Package
The Rabo Direct Package is our most affordable payment account, and you can use it together.
*This is subject to certain conditions. You can read more about this below.
Rabo Direct Package, our most affordable payment account you can use together
You both want a payment account for day-to-day banking. You just want to be able to pay the way you want to, and you want to be able to view your finances using an app, anywhere, anytime. And you don’t need any extras such as a credit card. In that case, the Rabo Direct Package is right for you.
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. With the Rabo App, banking securely on your phone or tablet is simple.
Online access at all times
Manage your banking matters quickly and securely online, via our website or the Rabo App. Check your finances 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 handy Switching Service ensures that direct debit payments from your old payment account are automatically collected from your new payment account. So handy!
Key features of the Rabo Direct Package
Debit card
With the joint Rabo Direct Package you receive 2 debit cards. You can use the cards for card reader transactions and contactless payments.
And you can make payments and withdraw cash in foreign currency almost anywhere in the world.
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 also choose from multiple contactless payment options, such as Apple Pay and Google Pay. How do you want to pay?
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. Paid for someone else? Ask to be reimbursed by sending a payment request. These are just some of the app’s features.
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.
Fees
Holding the payment account and offering a debit card and credit card
| Rabo Direct Package | € 3.45 per month | ||
| Options | |||
| Additional debit card | + € 1.40 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) service providers or retailers sometimes apply a surcharge for credit card payments.
** Foreign banks may charge fees for using the ATM. You receive a notification to this effect when making the 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.
Emergency cash for financial assistance in case of an emergency abroad
Amount Fees per provision
| 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.
The Rabo Direct Package offers additional options. For example, you can opt for a credit card, an additional debit card, or an additional payment account. You can find details of the fees payable for these additional options below.
Tip! If you’d like to add additional options, a different payment package might be a better choice for you. Take a look at the Rabo Basic Package or Rabo Total Package.
| Product | Amount per month |
| + RaboCard creditcard | + € 2.00 |
| + additional debit card | + € 1.40 |
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 joint Rabo Direct Package
Follow the steps on this page and simply apply for your Rabo Direct Package together.
Terms and conditions
View the terms and conditions for payment and online services
FAQs about a joint account
Need help?
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