Rabobank Farm Management Deposit | Rabobank AU
skip to content

With the end of financial year fast approaching, a Rabobank Farm Management Deposit could be just the ticket for your business.

No doubt, like many farmers, you worry about the impact seasonal variability can have on your year-to-year cash flow. 

With our Farm Management Deposits you can set aside surplus pre-tax income from profitable seasons to smooth out leaner times. 

And by choosing a Rabobank Farm Management Deposit you are supporting the livelihood of Australian farmers and rural communities as 100% of Rabobank deposits fund Australian agribusiness.

Any amount from $1,000 to $800,000 can be invested with both variable and fixed rate options.

Our 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

Our fixed rate option gives you:

  • A fixed interest rate for between 30 days to 2 years
  • Interest paid either on the maturity (short term) or quarterly, half-yearly or yearly (long term).


Find out how a Farm Management Deposit can help you, simply call us on   1300 30 30 33  


Ready to apply now? Download the application


Feel 100% good about your savings


Green Smile icon Reduce your cash flow risk

We’re a bank founded by farmers, so we know first-hand how cash flow can vary from year to year. Our Farm Management Deposits can help to smooth out the seasons by enabling you to set aside surplus pre-tax income from bumper years to help out in leaner times.


Build a financial buffer Build a financial buffer

A Rabobank Farm Management Deposit is like saving for a non-rainy day! Any amount from $1,000 to $800,000 can be invested. By building a buffer, a Farm Management Deposit acts as an important risk management tool.


Enjoy tax benefits Enjoy tax benefits

Your investments in our Farm Management Deposits are fully tax deductible in the year of deposit and only taxable in the year of withdrawal. This allows you to reduce your taxable income and reserve the funds for when they are needed most. (Deposits must be held for a minimum of 12 months to qualify for these tax benefits).


Pay no transaction fees Pay no transaction fees

Our Farm Management Deposits have no transaction fees or service charges (government taxes may still apply).


Support Australian agribusiness Support Australian agribusiness

Our cooperative origins mean that we don't have to answer to shareholder demands, so we can focus on you, and take a long-term view of your business.

By choosing a Rabobank Farm Management Deposit, you are supporting the livelihood of Australian farmers as 100% of Rabobank deposits fund Australian agribusiness.

Our Banking for Food vision is to support the world's increasing demand for food in a sustainable way, now and into the future, by providing access to finance, knowledge and networks. If you feel your values are aligned to ours, open a Farm Management Deposit today and start to feel good about your savings.


... and your money is in safe hands

Your deposits are guaranteed by the Australian Federal Government’s Deposit Financial Claims Scheme1



For more information on legislative changes affecting Farm Management Deposits from 1 July 2016, please visit Australian Government Department of Agriculture and Water Resources.
Rabobank Farm Management Deposits (FMDs) are issued by Rabobank Australia Limited ABN 50 001 621 129 AFSL 234 700. Conditions and eligibility criteria apply to primary producers under the FMD Scheme. Any advice or tax related information provided above is general in nature. You should consider the relevant Disclosure Documents (FMD Terms and Conditions, available at our branches and on our website) along with your personal objectives, financial situation and needs before making any financial decisions. Rabobank recommends you ask your tax adviser or accountant about any taxation implications before investing in a FMD. Early termination fees apply and other fees and charges may apply. Subject to eligibility. You should check your eligibility with your accountant or financial planner prior to consolidating your FMDs. Other conditions apply to the FMD Scheme, please read the FMD Application Form for further details. 

1 Deposits are guaranteed by the Australian Federal Government’s Deposit Financial Claims Scheme, up to a combined cap of $250,000 per account holder per Authorised Deposit-taking Institution applicable to balances across Rabobank and RaboDirect accounts. All deposits help support Australia’s progressive and dynamic agricultural sector by funding rural loans.