Let someone else arrange your banking matters

If you grant a banking power of attorney, you give someone else permission to view credit and debit transactions in your account and to transfer money.

Perform the power of attorney check

Complete our questionnaire. You will see immediately whether you can apply for a banking power of attorney online, and whether any other action needs to be taken.

Perform the check

Do you want to help someone with banking matters because that person is no longer able to do this on their own or has died? In that case, you cannot apply for a banking power of attorney.

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A banking power of attorney authorizes someone else to use your account

If you grant a banking power of attorney, you authorize someone else to arrange your banking matters. A banking power of attorney is often temporary and granted because, for example, you are traveling around the world. The person you authorize can be your partner or a member of your family. You remain the owner of the account and you can grant a banking power of attorney to multiple people. Apply for a separate power of attorney for each person. No fees are charged for a banking power of attorney.

Information on what a person with a banking power of attorney can, and cannot do, is provided below. If you want this person to be able to do everything, you will need a notarial power of attorney (Dutch), which is also referred to as a will. This is a different type of power of attorney, which can be arranged through a civil-law notary.

What can a person with a banking power of attorney do, and what can they not do?

A person with a banking power of attorney can do the following for you

Use Rabo Online Banking and make payments

View your balance and credit and debit transactions

Transfer money to other accounts

Pay in a store using an additional debit card

Withdraw cash using an additional debit card

A person with a banking power of attorney CANNOT do the following for you

Adjust account limits or debit card limits

Request a new debit card

Close accounts or cancel products

Change your address or personal details

Access the account following your death

If the person with power of attorney is not a Rabobank customer

Do you want to grant a banking power of attorney to someone who is not a Rabobank customer? That is not a problem. However, that person must provide proof of their identity. Please call us to apply for a banking power of attorney.

Tip! Before you contact us, think about whether you need an additional debit card and access to Rabo Online Banking and the Rabo App.

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Change or stop a banking power of attorney

You can change or stop a banking power of attorney at any time in Rabo Online Banking or the Rabo App. For example, you can add another account to the power of attorney or revoke the power of attorney.

Banking power of attorney stops automatically in the event of death
A banking power of attorney stops automatically if you die or the person with power of attorney dies. Please call us if there is a reason why you can no longer do your banking yourself.

Banking power of attorney stops in the event of dementia
A banking power of attorney also stops if you can no longer do your banking yourself because, for example, you have dementia. In that case, a different power of attorney is required (a notarial power of attorney, also referred to as a will).

Change or stop a banking power of attorney

FAQ

Do you want to help someone with banking matters who is no longer able to do this on their own or who has died? If that person does not have a notarial power of attorney (Dutch), also referred to as a will, you cannot apply for a banking power of attorney.

Arrange banking matters for someone who can no longer do this on their own

You need an administration order if you want to arrange banking matters for someone who is no longer able to do this on their own and does not have a will. An administration order allows you to take charge of that person’s banking matters.

An administration order is different from a power of attorney. You cannot arrange an administration order with us. You must apply to the district court, which will appoint an administrator. This is usually someone with a professional background or someone the person subject to the administration order knows, such as a family member. The administrator is given access to the payment account(s) and may also request and change bank products.

Arrange banking matters after a death

If someone has died and that person did not have a will, the legal heirs are given access to all banking matters.

If you have a joint ‘and/or’ account, both of you are account holders. This means you both have the same rights over the payment account and the balance. All account holders are able to perform the same actions. The consent of the other account holder is required if you want to:

Change a debit card’s limits

Request a new debit card

Apply for new products or accounts

A person with a banking power of attorney does not have the same rights to the account as the account holder. What this means is that the person with power of attorney and the account holder cannot be the same person.