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All In One Account 

With the All In One Account, you can make your seasonal cash flow work harder by offsetting your lending. Every dollar deposited into your account reduces your variable rate loan balance, helping lower your interest costs. And because your funds remain accessible, you can draw on them whenever you need to cover seasonal expenses, farm inputs or unexpected costs.

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Why choose an All In One Account?

One Account

A single flexible All In One Account that combines lending and day-to-day banking.

Pay Less Interest

Every dollar paid into your All In One Account reduces your variable rate balance, helping reduce the amount of interest you pay.

Anywhere, Anytime

Manage your All In One Account online or on your mobile, giving you secure access and control whenever you need it.

Flexible Fixed Rates 

Fix your interest rate for terms ranging from 30 days up to 5 years, subject to your loan term, with no additional paperwork.

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Organise an on-farm visit with a Rabobank Rural Manager
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Built for your farm business needs

  • Freedom to pay down debt in good times with no penalties if you repay your variable rate loan early
  • Ability to access capital quickly by redrawing funds when you need them
  • Flexibility to adjust your repayments to alleviate any cash-flow pressures
  • Easier reduction of core debt - Save time transferring money between accounts and reduce interest as income automatically goes against debt, reducing your loan balance.

Eligibility

Suitable for individuals, partnerships, companies and trusts. 

 

Used wholly or predominantly for business and/or investment purposes within the food and agribusiness sectors.

Repayments

Manage your cash flow with interest only repayments and flexible interest payment cycles.

 

Every dollar paid into your variable rate balance helps reduce interest and remains available to redraw.

Hear why our clients recommend the All In One Account
Aaron Margery, Barnawartha, Vic

“The All in One account so simple, we couldn’t manage our finances any other way. It’s perfect for an operation like ours that isn’t reliant on regular cash flow – we can trade our cattle when they’re ready, for the best price, without any pressure as it’s all in and out of the one account.”

 

Aaron Margery, Barnawartha, VIC

 

Michael and Rebecca Thompson, Minlaton, South Australia

“The All In One makes it easy to keep track of your position – as grain growers we tend to spend all year, then get it back at the end of the year and it’s easy to continually draw and pay down in the one account.It’s a simple and effective account that makes it easy to do business.”

 

Michael and Rebecca Thompson, Minlaton, SA

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"We Joined Rabobank because we liked the flexibility of the All in One Account, our income fluctuates a lot seasonally and they were open to tailoring our needs."

 

Vince & Anita Sorace, Wandan, VIC

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"The All In One gives us the flexibility in one account rather than having separate loan and trading accounts. It’s also great for expansion and fluctuating incomes."

 

Jessica Sutherland, Hamilton, VIC

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"The All in One’s name speaks for itself, it’s simple, and you can maintain insight and clarity on exactly where you sit financially, which has greatly helped our decision making during expansion.”

 

Baillie Family, SA

Thomas and Tim Hill

“When we review our All in One we can see where we’re sitting with our liquidity, debt and cash flow at once and it offers flexibility to support us long term, so we’re able to better manage our seasons.”

 

Thomas and Tim Hill, Colbinabbin, VIC

Rick and Jill Baldwin, Young, NSW

“The All in One is really helpful to know where you’re at financially all on one screen, and to be able to manage interest rates and be aware of, and monitor your position – it makes cashflows and doing business so much more transparent.”

 

Rick and Jill Baldwin, Young, NSW

Greg and Leanne Evans, Chinchilla, Queensland

“I’ve been very impressed with the All in One account, you know exactly where you’re sitting financially and it certainly allows me to sleep better at night!”

“Previously I had various accounts and was constantly moving money between them, but with everything in one account I can see all my positions at a glance, and it’s simplified and streamlined the way we manage our finances.”

 

Greg and Leanne Evans, Chinchilla, QLD

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This testimonial was shared with consent. No benefit was provided. 

Find Your Local Branch

Contact your local branch to organise an on-farm visit with a Rabobank Rural Manager and learn how the All In One Account compares with your existing facilities.

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Moree Branch
Australia’s Most Recommended Agribusiness Bank

* The Most Recommended Agribusiness Bank Award is determined by customer feedback through RFI’s Global 2026 Atlas Survey.

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Equipment Finance

Equipment Finance

Approved Rabobank customers can access up to 100% finance for agricultural plant, business vehicles and equipment through DLL.*

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Farm Deposits

Farm Deposits

To help smooth out the seasons, and ensure you make the most of your income there's the Farm Management Deposit account.

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Succession Planning

Succession Planning

The Rabo Client Councils are hosting complimentary interactive information sessions that can help farm businesses better navigate transition or succession to achieve better outcomes.

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Agri Trends & Insights

Agri Trends & Insights

Stay on top of commodity and economic developments with insights from our local and global team of RaboResearch analysts. 

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FAQs and Support

Rabobank prides itself on delivering exceptional customer service to every client. Our people are ready to listen and help you with any queries you may have about banking with us.

See all Help & Support

Yes. Portions of the loan can be fixed for periods ranging from one month to five years, helping manage interest rate risk while retaining flexibility.

The facility is designed to accommodate the variability of agricultural income, allowing interest payments to be aligned with peak income periods and providing access to working capital when needed.

You can contact your local Rabobank branch to arrange a discussion with a Rural Manager and explore loan options suited to your farming business.

Yes. The All In One Account allows you to redraw available funds up to your approved loan limit, providing flexibility when cash flow needs change.

An All In One Account can be used to support farm operations, manage seasonal cash flow, fund expansion opportunities, purchase livestock, invest in infrastructure, or cover working capital requirements.

The account operates like a revolving line of credit. Income deposited into the account reduces the loan balance, while approved funds can be accessed when needed for farm operating expenses or investments.

The All In One Account combines your transaction account and loan facility into a single account, making it easier to manage cash flow and access working capital when required.

*Equipment Finance products are provided by De Lage Landen Pty Ltd ABN 20 101 692 040 (DLL) via a referral agreement with Rabobank. DLL is not an authorised deposit taking institution and is operated and managed separately to Rabobank Australia.