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Your introductory rate offer starts as soon as you receive your BSB and ACC number and you can start to fund your account straight away. Please note; any applicable introductory interest rate offers start on the day the account is opened, not from the date the account is funded.

You can close any accounts you hold with Rabobank Online Savings in one of three ways, however all options require you to have a nil or very minimal balance before we can proceed with your request.

1. The first option, you can call us on 1800 445 445 between the hours of 6am - 8pm Sydney time.
2. The second option, if you can login to your account, you can send us a secure message with a brief explanation of your request. You can find the secure message option by clicking on the envelope icon in the top right corner. Please note: If we receive a secure message with a closure request, we can process your request without having to call you for further verification.
3. The third option, you can complete the 'Request to close an account' Form and email it to clientservicesAU@rabobank.com

Your Rabobank Online Savings Statements will be available each month via Online and Mobile banking. You can follow the steps below or watch this short video on how to view and download transaction summaries and statements:

1. Log into Internet or Mobile Banking
2. Click on the 'Statements' tab
3. Select the account you wish to view statements for
4. Click on the 'Download' link on the right hand side of the month you are wishing to view the statement for.

To view your Interest and Annual Tax Statement, simply log into Internet or Mobile Banking and follow these three easy steps:

1. Click on the 'Statements' tab and select 'Interest and Tax'
2. The financial years will populate for all accounts
3. Click on the 'Download' link on the right hand side of the tax year you are wishing to view the statement for.

Just make a copy of the original document, and then take the original and the copy along with your original Drivers License, original Birth Certificate or original Passport to one of the following authorised parties in Australia:

• A person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described);
• A judge of a court;
• A magistrate;
• A chief executive officer of a Commonwealth court;
• A registrar or deputy registrar of a court;
• A Justice of the Peace;
• A notary public (for the purposes of the Statutory Declaration Regulations 1993);
• A Police Officer;
• An agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public;
• A permanent employee of the Australian Postal Corporation with 2 or more years of continuous service who is employed in an office supplying postal services to the public;
• An Australian consular officer or an Australian diplomatic officer (within the meaning of the Consular Fees Act 1955);
• An officer with, or authorised representative of, a holder of an Australian financial services licence, having 2 or more continuous years of service with one or more licensees;
• A member of the Institute of Chartered Accountants in Australia, CPA Australia or the National Institute of Accountants with 2 or more years of continuous membership;
• A Commissioner for Declarations;
• A Commissioner for Affidavits

Please note: We require document certification to be done by an authorised third-party. Even if you are an authorised certifier yourself, we will still require a third party to certify your documents for you. Document certifiers must not be related to the applicant (e.g. their parent, child, brother, sister, aunt, uncle or cousin, spouse or partner of the customer) or the application (e.g. Director of the business, employee, trustee). The document certifier also cannot be a person who lives at the same address as the customer.

To certify the copy of the document, they will need to:

• Provide a written statement 'I hereby certify this document is a true copy of the original document shown to me on [date]'.
• Write their name, Authorisation title (e.g. Justice of the Peace) and sign the photocopy of the document.

All documents need to be certified in the last 6 months and we require one certification statement per document (unless it is explicitly clear that the certification statement applies to more than one document).

Cut off times

Before 6pm (AEST/AEDT) - processed same day and will be received within 1 – 2 business days
After 6pm (AEST/AEDT) - processed next business day
Weekends and national public holidays - processed next business day.

Clearance times

If transferring funds to an external bank account before 6pm (AEST/AEDT), the funds will usually appear in that account within 1 – 2 business days.
Direct credits received from another financial institution are usually received and available within 1-3 business days.

You will need to replace your Digipass if the device displays any of the following

• Disabled
• Provides you with an 8 digit number on the screen
• BATT

• Head to Rabobank.com.au. and click on ‘Internet Banking’ and then ‘Online Savings’
• On the next screen, click on ‘Online Savings (RaboDirect) Internet Banking
• Then select ‘Locked your Digipass?’ and follow the on-screen prompts

Please note that the lock pin displayed on your Digipass should be 7 digits displayed on the Digipass. If you see Fail 2 for example, press the orange button and enter any incorrect pin and repeat until you get to fail 5. Press the orange button 3 times and then you will see the 7 numbers appear on the Digipass which you will need to unlock it and choose a new pin.

The PremiumSaver account rewards good savings habits with a higher interest rate. If you increase your net balance by at least $200 (or $2000 if you have a business account) excluding interest before the last business day of every month, you'll earn the higher variable interest rate. The PremiumSaver is a variable rate product, with no fees, no minimum balance requirements and no minimum term. You can transfer money any time between your Linked account with your other bank and your PremiumSaver using the BSB and account number, or use our direct debit option to transfer money in from your nominated linked account once it has been verified. You can also set up a regular savings plan so you don't forget.

Customers can only open one PremiumSaver per entity type (individual, joint and SMSF). New customers can open a PremiumSaver by clicking on 'Apply For Savings Account' from our home page and follow the on screen prompts. If you are an existing customer, there's no need to apply for a new account, simply log in to your account, click on 'Open a new Savings account or Term Deposit' which can be found in the top right hand corner, then select 'PremiumSaver'. You can also watch this helpful step by step video on how to open a new savings account:

Interest is calculated daily on the available account balance and paid monthly. There are three tiers and the PremiumSaver minimum and maximum interest rates offered depend on your account balance. These tiers apply to all personal, joint and SMSF accounts;

Tier 1: for account balances up to $250,000
Tier 2: on the portion of your balance between $250,001 and $1million
Tier 3: on the portion of your account balance which is above $1million

Click here to check current personal interest rates or Click hereto check current SMSF interest rates.

To check which interest rate your PremiumSaver is earning and if you need to add to your balance, log in to your account and click on PremiumSaver then select the 'Rates & Details' tab. You can also check this helpful video: