Increasing the amount you can spend or repaying your credit card balance sooner

If you’d like to use your credit card to pay an amount that is higher than your limit or would like to repay all or part of your credit card balance sooner, you can transfer money from your payment account to your credit card.

Topping up your credit card

This is how you transfer money to your credit card

Click on ‘Topping up your credit card’ below.

Select your credit card and go to ‘Top up’.

Enter the amount you’d like to transfer from your linked payment account to your credit card.

Confirm the transaction. The money is transferred to your credit card immediately.

If you regularly need a higher amount to spend than your credit card limit, you can transfer money with a periodic transfer.

Topping up your credit card

Transferring money from your payment account to your credit card

By transferring money from your payment account to your credit card, you can:

increase the amount you have to spend without increasing your credit card limit;

repay the outstanding amount in part or in full before the monthly credit card payment is debited.

When you transfer the money, it’s immediately available to spend on your credit card. This creates a positive balance on your credit card and increases the amount you can spend.

Monthly debit

We debit your credit card payments from your payment account every month. We do this around the end of the month, when most people’s salary is paid. You can repay all or part of the balance sooner by transferring an amount from your payment account to your credit card. If you do, you avoid or reduce the standard monthly debit.

Debit when you don’t have enough money

We also debit your credit card payments if you don’t have enough money in your account. If you have a payment account that doesn’t allow you to be overdrawn, you won’t have to pay any interest on the overdrawn amount resulting from the credit card debit.

If you have a payment account that does allow you to be overdrawn up to an agreed amount, which is exceeded by the credit card debit, you won’t have to pay any interest on the excess amount.

Positive balance

If the money you have available exceeds your limit (due to a transfer or repayment, for example), you have a positive balance. If you have a positive balance before the next credit card debit, It will be offset against the amount due to be debited.

Your credit card payments are always debited by the end of the calendar month. If you have a positive balance on your credit card on that date, we automatically transfer the balance to the linked payment account on the same day.

If you want, you can receive this amount sooner. Simply transfer it back to your payment account.

FAQ

Can I transfer money to my credit card with a transfer?

Yes, you can do this by clicking on the ‘Transfer’ button in the Rabo App or Rabo Internet Banking. You can also use a transfer form.

Make a transfer to the following account:
o Mastercard credit card: IBAN NL71RABO0350808880 in the name of Rabobank Creditcard Mastercard
o Visa credit card: IBAN NL03RABO0350807000 in the name of Rabobank Creditcard Visa
Use the 16-digit number of your credit card (with no dots between the numbers) as the payment reference.

If you use a transfer form, the money will be credited to your credit card a few working days after the date on which you sent the form.
If you make a successful transfer using the Rabo App or Rabo Internet Banking before 19:15 and the execution date is the same day, the following applies:

From Tuesday until Friday, the amount will be credited to your credit card between 19:15 and 19:30 on the same day.

If you make the transfer on a day from Saturday until Monday, the money will be credited to your credit card between 19:15 and 19:30 on Monday.

In the Rabo App or Rabo Internet Banking, go to ‘Overview: Credit cards’ and select the relevant credit card. Click on the ‘More’ button (to the right of the orange ‘Reverse’ button) and click on ‘Credit card details’. At the top of the screen, you’ll see the next date on which your credit card payments will be debited. You only see this if an amount is actually due.

If you don’t use the Rabo App or Rabo Internet Banking, you’ll receive your credit card statement a few days before the amount due will be debited. The statement shows the next date on which your credit card payments will be debited.

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Help

Increasing the amount you can spend or repaying your credit card balance sooner

This is how you transfer money to your credit card

Transferring money from your payment account to your credit card

Monthly debit

Debit when you don’t have enough money

Positive balance

FAQ

Can I transfer money to my credit card with a transfer?

When exactly can I expect my credit card payments to be debited next?

Where can I find my credit card payments?

Further reading

Change your credit card limit (dutch)