Rabo Total Package
The Rabo Total Package is our most extensive joint payment package and also keeps costs down for travelers.
Our most comprehensive joint payment package
Besides a payment account for all your day-to-day banking, you want extras that could make this the most affordable payment package if you sometimes travel outside the Netherlands. Want a credit card with a monthly credit limit of €2,500, no fixed fees for cash withdrawals using your debit card outside the Netherlands, a discount on multi-trip travel insurance from Interpolis, and extended purchase protection insurance and flight and baggage delay insurance? In that case, the Rabo Total 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
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 Total Package
The Rabo Total Package includes the following:
Debit card
With the joint Rabo Total 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 make contactless payments with your Rabobank credit card as well. 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 is always handy. You can apply for a credit card without incurring additional fees. With the Rabo GoldCard, you can spend up to €2,500 a month. You can change the credit limit yourself (the maximum credit limit is €10,000). At the end of each month, you pay the amount spent on your card back to us.
In many cases, items you purchase with your Rabo GoldCard are insured in several ways. After making a purchase, you enjoy up to 360 days’ cover:
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. You can also 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.
Have a new payment account with Rabobank? Use the free Switching Service and your existing direct debit payments will be automatically collected from your new payment 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 Total Package | € 6,95 per month |
| Options | |
| Additional credit card | + € 0,75 per month |
| A monthly paper bank statement | + € 1,20 per month |
| A paper bank statement every two weeks | + € 2,50 per month |
| A weekly paper bank statement | + € 5,40 per month |
| Monthly paper bank statement if the payment account has not been added to Rabo Online Banking | Free |
Payment and cash withdrawal fees at home and abroad
| Payment method | In euros | In a foreign currency |
|---|---|---|
| Payment method | No additional fees | 1,4% exchange rate surcharge |
| Payment using your debit card | No additional fees | 2% exchange rate surcharge |
| Payment using your credit card* | No additional fees | €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.
Emergency cash for financial assistance in case of an emergency abroad
| Amount | Fees per provision |
|---|---|
| €250 up to €550 | No additional fees |
| €550.01 up to €1,000 | No additional fees |
| €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.
To be eligible for the Rabo Total Package, you must receive income of at least €2,500 in your account each month. You can be overdrawn up to the amount of your net income per month.
Want a credit card or an overdraft facility? Your account must be credited with a minimum income each 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.
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.
Terms and conditions
View the terms and conditions for payment and online services
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