Farm Deposit Accounts | Rabobank Australia
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Farm Management Deposits

We’re a bank founded by farmers, so we know first-hand how cash flow can vary from year to year.

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

This enables you to set aside surplus pre-tax income from profitable seasons to help out in leaner times. Any amount from $1,000 to $800,000 can be invested, with both variable and fixed rate options.

Who can apply:

  • Suitable for farmers and/or food & agribusinesses only1

Top benefits:

  • Reduce your cash flow risk
  • Build a financial buffer
  • Enjoy significant tax benefits

Variable rate option gives you:

  • Competitive variable interest rates to earn you daily returns
  • A tiered interest rate structure to give you maximum return on your money
  • Access to funds when you need them

Fixed rate option gives you:

  • A fixed interest rate for between 30 days to two years
  • Interest paid either on maturity (short term) or quarterly, half yearly or yearly (long term)

Download application

Cash Management Accounts

The Rabobank Cash Management account makes it easy to manage your day-to-day money and save at the same time.

It’s a great combination of flexible self service and a competitive interest rate.

Who can apply:

  • Suitable for farmers and/or food & agribusinesses only

Top benefits:

  • Your cash reserves can keep growing but you can still get your hands on your money when you need it
  • Manage your cash flow from one account – pay salaries or suppliers anywhere in the world with a simple transfer

Main features:

  • Competitive interest rate
  • Internet banking, mobile banking, Debit Card, EFTPOS, ATM and BPAY available
  • Make multiple payments in one go
  • No account keeping fees (as long as minimum balance is maintained)

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Term Deposits

With a Term Deposit, you can make the most of your money with fixed returns to maximise your savings.

Who can apply:

  • Suitable for farmers and/or food & agribusinesses only

Top benefits:

  • Low risk investment with a guaranteed return on your money
  • Short and long term options to match your goals

Main features:

  • Start with as little as $5,000
  • Terms from 1 month to 5 years
  • Tiered interest structure options to give you maximum returns or help your cash flow
  • Interest available monthly, quarterly, half-yearly or annually

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Call Deposits

This at-call deposit account gives you an easy way to invest extra cash, while still being able get your hands on it anytime you need it.

Who can apply:

  • Suitable for farmers and/or food & agribusinesses only

Top benefits:

  • Your funds are at call
  • Competitive interest rates to keep your cash reserves growing

Main features:

  • Start with as little as $5,000
  • No account fees or services charges (government taxes may apply)
  • Interest is calculated daily, credited monthly and compounded for maximum investment growth

FIND A BRANCH

Online Savings (RaboDirect)

Feel good about your savings

Saving with Rabobank not only helps you achieve your savings goals, you’re also helping Aussie farmers grow. That’s because your deposits saved with us goes to support local farmers bring food to our tables.

Who can apply:

  • Anyone who wants to grow their savings, and support Aussie farmers too!

Top benefits:

  • Our most competitive rates
  • Manage your cash online
  • No account keeping fees
  • Easy access

Plus get email and phone support from our friendly, award winning team in Sydney.

Find out more

Financial Claims Scheme

Rabobank Government Guarantee

From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per authorised deposit-taking institution.

This $250,000 cap is combined and therefore is applicable to the aggregate of all deposit account balances held by one person across Rabobank deposits including:


  • Rabobank Online Savings High Interest Savings Account
  • Rabobank Online Savings Purpose Saver
  • Rabobank Online Savings PremiumSaver
  • Rabobank Online Savings Term Deposits
  • Rabobank Online Savings Notice Saver
  • Rabobank Call Deposits
  • Rabobank Term Deposits
  • Rabobank Cash Management Account
  • Rabobank Farm Management Deposits
  • Rabobank All In One Credit Only (excludes credit funds held in an All In One loan)

Information on the Financial claims scheme is available on the FCS website – www.fcs.gov.au.


Unless otherwise specified, the products and services described on this website are issued by Rabobank Australia Limited ABN 50 001 621 129 AFSL 234 700. Any advice provided on this website is general in nature and will not take into account any of your objectives, financial situations or needs. You should consider your personal objectives, financial situation and needs, together with the relevant Terms and Conditions and/or Product Disclosure Statements, before making any decisions in relation to any of our products. Fees and charges may apply.

1Eligibility requirements and other conditions apply to Farm Management Deposits (FMD). Please read the FMD Application Form and Terms and Conditions for further details. Target Market Determinations for products are available at www.rabobank.com.au/tmds. Rabobank recommends you ask your tax adviser or accountant about any taxation implications before investing in an FMD.
2Registered to BPAY® Pty Ltd ABN 69 079 137 518.