Short & Long Term Deposits | Rabobank AU
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Rural Deposits

Farm Management Deposit Icon 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.

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

Dollar Sign Cash 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.

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, BPAY and cheque book available
  • Make multiple payments in one go
  • No account keeping fees (as long as minimum balance is maintained)

Download application

Term Deposit Icon Term Deposits

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

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
  • Negotiable interest rates on deposits over $250,000

Download application

Call Deposit Icon 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.

Top benefits:

  • Same day access to your money
  • 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
  • Negotiable interest rates on deposits over $500,000

Download application


Feel good about your savings


Saving with RaboDirect not only helps you achieve your savings goals, you’re also helping Aussie farmers grow. That’s because every customer deposit saved with RaboDirect is used to support local farmers to bring food to our tables. 


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



Your money is in safe hands

Deposits are guaranteed by the Australian Federal Government’s Deposit Financial Claims Scheme1. 

All deposits help support Australia’s progressive and dynamic agricultural sector by funding rural loans.

1 Up to a combined cap of $250,000 per account holder per Authorised Deposit-taking Institution applicable to balances across Rabobank and RaboDirect accounts.


Unless otherwise specified, the Rabobank products and services described on this website are issued only in Australia by Rabobank Australia Limited ABN 50 001 621 129 AFSL 234 700. Consider the relevant Disclosure Documents along with your personal objectives, financial situation and needs before making any financial decisions. Fees and charges may apply.

Money deposited with Rabobank Australia Limited after 30 April 2015 is not guaranteed by its parent company, Rabobank (Coöperatieve Rabobank U.A.)