Why Rabobank Farm Management Deposits
Make the most of your income
Farming comes with natural ups and downs, and managing cash flow across the seasons can be challenging. At Rabobank, we understand this because we were founded by farmers.
Rabobank Farm Management Deposits (FMDs) offer a practical way to manage fluctuating income. You can set funds aside in stronger years and draw on it when conditions are tighter. Deposits are generally tax deductible in the year they're made and usually taxed when you withdrawn - helping you manage your tax and cash flow over time.
To access these tax benefits, certain conditions apply including that deposits must be held for a minimum of 12 months.
And there’s something else worth knowing - when you choose a Rabobank FMD, your deposits support Australian farmers and rural communities just like yours.
The Benefits
- Optimise your income across seasons
- Reduce cash flow risk
- Build a financial buffer
- Access potential tax benefits
- No transaction or account service fees
- Deposits protected up to $250,000 per person under the Australian Government deposit guarantee scheme*
Do you hold a Rabobank FMD account with us?
To open an additional account or rollover your existing FMD. Apply by 3pm Wednesday 24 June 2026.
Monday - Friday, 8:30am - 6pm
Opening a new Rabobank FMD account?
Please call us or visit your nearest Rabobank branch if you don’t yet have an FMD account with us. Apply by 3pm Friday 19 June 2026.
Monday - Friday, 9am - 5pm
How do I apply for a Farm Management Deposit account?
Step 1 - Choose your amount
To deposit from $1,000 to $800,000
Step 2 - Select the rate options that suits your needs
Select the rate options that suits your needs:
Fixed rate option gives you:
- Lock in a set interest rate for terms of 1 month up to 2 years
- Interest paid on maturity for terms up to 12 months
- For 1–2 year terms, choose quarterly, semi annual or annual interest payments
- view rates here
Variable rate option gives you:
- Variable interest rates calculated on the daily closing principal balance and paid quarterly in arrears
- Flexible access to your funds when you need them
- view rates here
Step 3 - Contact us
Rabobank FMD Account Holders
To open an additional account or rollover your Farm Management Deposit account, contact us on the Rabobank FMD hotline 1800 116 319 (Monday - Friday, 8.30am - 6pm).
Please note the cut-off date is Wednesday 24 June 2026, 3pm.
Non Rabobank FMD Account Holders
To open a new Farm Management Deposit account with Rabobank, simply call your local branch 1300 30 30 33 (Monday - Friday, 9am - 5pm) or visit your nearest Rabobank branch. Apply by Friday 19th June 2026, 3pm.
Rabobank Australia Limited ABN 50 001 621 129 AFSL 234 700 (Rabobank Australia Limited) is the issuer of products listed on this page. Any advice provided is of a general nature only and has been prepared without taking into account your objectives, financial situation or needs. Consider the relevant disclosure documents and terms and conditions for these financial products (all available at www.rabobank.com.au/support/legal) along with your personal objectives, financial situation and needs before making any financial decisions. Rabobank Australia Limited does not provide tax advice. We recommend that you seek advice from your tax adviser or accountant in relation to any taxation implications. Note: Target Market Determinations for products issued by Rabobank Australia Limited are available at www.rabobank.com.au/tmds. Early termination fees apply and other fees and charges may apply.
*The Australian Government Guarantee protects the first $250,000 of all deposits held per person, with Rabobank. Further information available at www.apra.gov.au.