FAQs - Internet Banking

Business day means a day that is not a Saturday, Sunday or an Australian national public holiday.

The request to cancel the direct debit authority needs to be received by Rabobank at least 3 business days prior to the next scheduled direct debit date. 

Farm & Agribusiness clients can:

Cancel their direct debit authority via Rabobank internet Banking or Rabobank mobile app.
Alternatively, clients can send their Cancellation of direct debit authority request to Rabobank by:

• sending a secure message via Rabobank internet banking.
• completing and signing the Cancellation of Direct Debit Authority form and
• emailing it to Sydney.client.services@rabobank.com or
• mailing it to Reply Paid 4577, Rabobank Client Services, Sydney NSW 2001.
• contacting our Client Services Unit on 1800 025 484.

Please note:

• For Joint Holdings (which require all Joint account holders to sign or authorise), all Joint account holders will need to sign/authorise the Cancellation of Direct Debit Authority by using the contact methods above.
• If a client is experiencing financial difficulty and require help and support, please see website for more details here. 

The request to amend or cancel the automatic payment needs to be received by Rabobank at least 2 business days prior to the next scheduled automatic payment date.

Farm & Agribusiness clients can:

• amend or cancel their automatic payment via Rabobank internet banking, or
• cancel their automatic payment via the Rabobank mobile app.

Alternatively, clients can send their automatic payment request to Rabobank by:

• sending a secure message via Rabobank internet banking.
• completing and signing the Automatic Payment Request and
• emailing it to Sydney.client.services@rabobank.com or
• mailing it to Reply Paid 4577, Rabobank Client Services, Sydney NSW 2001.
• contacting our Client Services Unit on 1800 025 484.

Please note:

• For Joint Holdings (which require all Joint account holders to sign or authorise), all Joint account holders will need to sign/authorise the automatic payment request by using the contact methods above.
• If a client is experiencing financial difficulty and requires help and support, please see the website for more details here.

If the funds have not dishonoured back to your account within 48hours, then you can contact the Client Services Team to request a trace and recall. Please note: The trace and recall incurs a $60 fee to initiate and it can take up to 6 weeks to hear back from the other financial institution involved.

Cut off times

Before 6pm (AEST/AEDT) - processed same day and will be received within 1 – 2 business days
After 6pm (AEST/AEDT) - processed next business day
Weekends and national public holidays - processed next business day.

Clearance times

If transferring funds to an external bank account before 6pm (AEST/AEDT), the funds will usually appear in that account within 1 – 2 business days.
Direct credits received from another financial institution are usually received and available within 1-3 business days.

Account activity provides access to your Transaction history.

You can also rename your account with a nickname – so that you can easily distinguish between your accounts. This nickname will only be used in the context of your internet banking.

Transaction history

Displays a list of transaction for your accounts over a specific period of time.

You can search your transactions by description or amount. If you want to search for specific transactions, click on ‘Advanced search’ for more options.

Within advanced search, you can search by:

• Transaction type
• Amount range
• Search text within a description
• Or a combination of the above

Export transactions

To export your transactions:

1. Click ‘Download’
2. Select the file format you want to export
3. Click the ‘Download’ button

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Your Account summary is displayed after you successfully sign in.

It displays the following information for your accounts:

• Account number
• Description (i.e. account type)
• Balance
• Available balance
• Loam limit (if applicable)
• Temporary increase amount & expiry date (if applicable)

Click on an account number or description to see further detail.

On the transfer and pay screen, you can

• Move your money
• View upcoming payments
• Manage payees and billers

Account transfer is used to move money between your Rabobank accounts, or a nominated account.

To make a transfer:

1. Select the account to debit funds from
2. Select the ‘To’ account
3. Enter payment amount
4. Enter a payment description – this description will appear on your statement
5. Enter the date the payment is to occur
6. Select the frequency
     a. Once
     b. Recurring
         i. Select the frequency
         ii. Select the end date or ‘until I cancel’
7. Click ‘Continue’
8. Check the payment details are correct
9. Click ‘Confirm’
10. Confirmation screen is then displayed
11. You have the option to email a copy of the confirmation to your email address
      a. If the email address that appears is incorrect, you can update your email by going to Services & Settings – My profile
12. If Authorisation is required, a list of approvers is displayed.
      a. Selecting an authoriser will send a notification that a payment is awaiting their approval.

Rabobank charges a $30AUD fee. Margin rates also apply to currency conversion.

Beneficiary and intermediary banks may charge fees which are deducted from the payment.

To request an International transfer:

1. Select the account you want to make the payment from
2. Enter the Foreign currency (3 letter code e.g. EUR, GBP, NZD)
3. Enter the payment amount in the Foreign currency amount or AUD amount
4. Enter the Reason for payment
5. Enter the Beneficiary details
6. Enter the Beneficiary’s bank details
7. Click ‘View terms and conditions’ to review the International transfer terms and conditions
8. Select ‘I accept the Rabobank Internet Banking conditions of International Funds Transfer’
9. Click ‘Continue’
10. Review the transfer details
11. Click ‘Confirm’
12. Transfer request confirmation is displayed.

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Statements can only be accessed by Account owners.

Up to 5 years of statements can be viewed in PDF format. They are available for each individual entity, and include all accounts in that entity.

To search and view your eStatements:

1. Select the entity you want to view the statements for
2. Select the time period you want to view statements for
       a. You also have the option to enter in a custom date range
3. A list of statements will appear matching the time period selected

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Pay anyone is used to transfer money to third party accounts.

You will need to add and authenticate your payee before making a payment.

To make a transfer to a third party:

1. Select the payee in your payee list
2. Select the account you want to make the payment from
3. Enter payment amount
4. Enter a payment description – this description may appear on your payee’s statement depending on their financial institution
5. Enter the date the payment is to occur
6. Select the frequency
     a. Once
     b. Recurring
         i. Select the frequency
         ii. Select the end date or ‘until I cancel’
7. Click ‘Continue’
8. Check the payment details are correct
9. Click ‘Confirm’
10. Confirmation screen is then displayed
11. You have the option to email a copy of the confirmation to your email address and to your payee’s email address
12. If Authorisation is required, a list of approvers is displayed.
      a. Selecting an authoriser will send a notification that a payment is awaiting their approval.

Cut off times for payments

Payments confirmed before 6PM (Sydney time) Monday to Friday will be processed on the same Business day.

Please allow up to 2 Business days for payments to be received by Payees.

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When adding a payee, please check the BSB and account number you have entered. Payments made to the wrong account as a result of you entering an incorrect BSB or account number may not be able to be recovered.

You can add a Payee by:

1. Clicking on ‘Manage payees and billers’ then ‘Add payee(s)’
2. Clicking on ‘Pay anyone’ then ‘Add payee(s)’

After clicking on ‘Add payee(s)’, the add payee form is loaded:

1. Enter in Account name
2. BSB
3. Account number
4. Payee description (optional)

You can add another payee or click ‘Continue’.

Once you have added all your payee(s), you will need to authenticate them before you can make a payment.

1. You will be prompted to enter in your passcode (PIN + Token code)
2. Click ‘Confirm’
3. Payees will now be added to your payee list.

You can find a list of your previously saved batch templates here.

To use a template click ‘Use template’.

If you no longer need the template, then you can click ‘Delete’.

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After 6PM (Sydney time), payments must be future dated.

Future dated and recurring payments require cleared funds to be available the business day before the payment is due.

To make a BPAY Payment:

1. Select the biller you want to pay
2. Select the account you want to make the BPAY payment from
3. Enter in the payment amount
4. Enter or select the date you want to make the payment
5. Select the frequency
6. Click ‘Continue’
7. Check the payment details
     a. If the payment requires further authorisation
         i. Click ‘Continue’
         ii. Select the authoriser/s you want to notify
         iii. Click ‘Send for Approval’
   
     b. If the payment does not require further authorisation
         i. Click ‘Confirm’
8. Confirmation receipt is displayed.
9. Click ‘Done’ or ‘Another BPAY payment’ to make another payment.

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You can add a BPAY biller by:

1. Clicking on ‘Manage payees and billers’ then ‘Add a biller’
2. Clicking on ‘BPAY payment’ then ‘Add a biller’

To add a new Biller:

1. Click ‘Add a Biller’
2. Enter a Biller code
3. Biller matching that code will appear. Select the Biller
4. Enter in your CRN
5. You can also enter in a personalised biller name (like a nickname for your bill)
6. Select the entities you want to associate with the Biller
7. Click ‘Add’
8. The Biller will now be available in your biller list

Authorisation is required from an Account owner when a Delegated user creates any of the following transactions:

• Account transfer
• Pay anyone
• BPAY
• Batch payment

Please note: Delegated users with Execute access for an account and related transactions do not require approval from an account Owner (unless the account requires more than 1 authoriser).

The access level for a Delegated user is set by an Account owner and is per account in an Entity. The access level can be different for each account in that Entity.

To Authorise a payment:

You can access the payment authorisation screen by:

• Clicking on the Payment authorisation notification OR
• Go to ‘Services & settings’ then ‘Payment authorisations’

On the Payment authorisation screen,

1. Click ‘Take action’ on the payment you want to authorise
2. Review the payment details
3. You have the option to:
   a. Approve the payment
       i. Click ‘Approve’
       ii. If no further authorisation is required, then the payment is submitted
   b. Decline the payment
       i. Enter in the required comments
       ii. Click ‘Decline’
       iii. A confirmation prompt appears
       iv. Click ‘Yes’ to decline the payment > The payment is then deleted
       v. Click ‘No’ to return to the payment authorisation request

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To view your upcoming payments:

1. Select the account you want to view
2. The upcoming payments will be displayed
3. Click on ‘Actions’ to either
     a. View the confirmation of the payment
     b. Delete the upcoming payment
   
   

Only available to Account owners.

Here you will see a list of your Entities and users linked to that entity.

You can manage the permissions for your delegated users.

1. Click on ‘Manage permissions’ next to the delegated user
2. Enable account access
   a. Yes
   b. No
3. Enter in the Daily limit the user is authorised to perform
4. Set the level of access for each transaction type.

None	Delegated user does not have access to account
View	Delegated has view access only to account, unable to perform any transactions
Input	Delegated user can create transaction type, but authorisation is required
Authorise	Delegated user can create transaction type, up to the daily limit and authorise



5. Click ‘Save’

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Your Payees & Billers are linked to an entity, and all Account owners and Delegated users who can access an Entity can view, edit or delete these shared payees

Payees

This screen displays a list of all your payees.

You can view, edit or delete a payee.

1. Click on the Payee you want to action
     Edit:
     a. Modify their details and click ’Update’
     b. Some updates to payee information require the payee to be re-authenticated
     Delete:
     a. Click ‘Delete’
     b. Confirm you want to delete the payee

Unauthenticated payees

You can now bulk authenticate your payees.

If you have any payees that are unauthenticated, when you try to make a payment or go to the ‘Manage Payees’ screen you will see a message: ‘You have unconfirmed payees…’

To authenticate:

1. Click on ‘authenticate them here.’
2. A list of the unconfirmed payees are listed
     a. To confirm, enter in your PIN + Token code and click ‘Confirm’
         i. The payees will then appear in your payee list
     b. If you click ‘X’, you will be taken back to your payee list
     c. If you click ‘Cancel’, a ‘Cancel authenticating payee(s)’ message will appear
         i. Click ‘No’ – you will be returned to the list of unconfirmed payees
         ii. Click ‘Yes’ – to delete the unconfirmed payees
3. Please note: You cannot make a payment or add a new payee until unconfirmed payees have been authenticated or deleted.

You can view your session summary details, and the session summary details of your delegated users.

You can view the details of your last 20 Internet banking sessions.

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Batch payments enable you to make payment from one of your accounts to multiple third party accounts in a single transaction e.g. paying employee wages or paying multiple accounts to the same payee.

Batch payments can be submitted for processing on today’s date (before 6PM – Sydney time ) or they can be dated in the future. If your batch is future-dated it will remain with a status of pending until the morning of the payment date. All payments within a batch are paid on the same date.

You can view the Rabobank internet banking conditions of use.

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To make a new batch payment:

1. Select the payees to add to the batch (You can also add a new payee)
2. Click ‘Add to batch’
3. Enter in a description
4. Enter in an amount
5. Click ‘Continue’
6. Select the account you want to make the batch payment from
7. Verify the number of payees, and the total amount.
     a. If this is incorrect, click on ‘Edit details’
8. Enter in a batch description
9. Select the date the payment is to be made
10. Choose how you want to make the payments:
      a. Multiple: Individual payments
      b. Single: One bulk payment
11. Select ’Save template’ (Optional)
      a. Use this if you will use this batch payment again. You will be able to use the same template in the future.
12. Click ‘Continue’
13. Check the payment details
14. Click ‘Confirm’
15. Batch payment has been submitted/scheduled.

Takes you to secure messages, where you can request a break quote for a selected account.

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You can import a compatible batch file from your accounting software such as Xero.

You can only import files of format .aba or .txt

To import a batch file:

1. Click ’Browse’
2. Select the file from your file browser
3. Click ’Upload’
4. The file will be validated, and if there are any errors, the errors will be displayed.
     a. To continue uploading, please fix the errors in your accounting software and re-upload
5. After successful upload, the Payee details will be displayed including payment description & amount.
     a. Please note: The imported details cannot be edited. To edit the details, please edit in your accounting software and re-upload the file.
6. Click ‘Continue’
7. Select the account you want to make the batch payment from
8. Verify the number of payees, and the total amount.
     a. If this is incorrect, click on ‘Edit details’
9. Enter in a batch description
10. Select the date the payment is to be made
11. Choose how you want to make the payments:
      a. Multiple: Individual payments
      b. Single: One bulk payment
12. Click ‘Continue’
13. Check the payment details
14. Click ‘Continue
15. You will need to authenticate the payment.
16. Enter in your PIN + token code
17. Click ‘Confirm’
18. Batch payment has been submitted/scheduled.

Here you can request for statements to be sent to your email address.

1. Select the account
2. Check and update (if required) the email address you want the statements to be sent
3. Read and accept the terms and conditions
4. Click ‘Send’

The request will be sent to Client Services.

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Here you can view the status of your batch payment.

You can update your:

• Home phone
• Business phone
• Mobile
• Email address

Please note: Changing your personal details in internet banking will not change your client or statement details elsewhere within the bank. To change your client or statement details please contact Rabobank Client Services on  1800 025 484 (6:00am - 8:00pm Monday to Friday, Sydney time).

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Rate bookings are only available to Account Owners.

Select an account, to view:

• Available interest rates
• Current interest options
• Future/pending bookings

To book a fixed rate:

1. Click ‘Book fixed rate’
2. Enter Effective date
   a. The Available amount to fix will automatically update if a future date is entered
3. Enter in the amount you would like to fix
4. Select the term (Please note: Rates shown are all inclusive, including agreed margin for this account)
5. Click ’Continue’
6. Check the book fixed rate information
7. Click ’Confirm’
8. Rate booking has been submitted

You can your notifications on or off.

Select your preferences for each notification type.

• Internet banking notification
• Email

To change the preference for your mobile notifications, please do this via the mobile app.

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Secure messages provides you with the ability to send and receive messages directly with Rabobank Client services team.

You can:

• Send a new message
• View sent messages
• View received messages

To send a new message:

1. Click ‘New message’
2. Select the account you want to send an enquiry about or select ‘none’ for a general message
3. If you select an account, you will need to select a topic
   a. Account enquiry
   b. Transaction enquiry
   c. Fixed rate break quote (depending on the account selected, and will only appear for Account owners)
4. The message box will pre-populate with information depending on the topic selected
5. Enter in your message and click ‘Send’
6. You can view your sent messages in the ‘Sent’ tab

For more information about closing your account:

For Rabobank Australia loan related accounts, please contact your Rural Manager or visit a branch located on our website. You will need to provide a request in writing that is signed by all account holders and security providers. The attached form may be used to assist with this process. Once all of the information required has been received, we will close your account as soon as practicable, and generally within 6 weeks from receipt of all of the required information.

For all other Rabobank Australia accounts, please call us on 1800 025 484, or if you are overseas on (+612) 8115 2240 between the hours of MON-FRI 6 a.m. – 8 p.m. (Sydney time). You may also contact your local branch. For Deposit accounts, we will generally close the account within 5 days once all required information is received.

Subject to agreement by all account owners you can permit others to access, view or transact on your account. For more information on how to register a Delegated User you can call our Rabobank Internet Banking InfoLine on 1800 640 442 (between 8am and 6pm Monday to Friday, Sydney time).

Our Rabobank Internet Banking is free for business accounts.

You will be asked to call us on a special phone number to confirm receipt of your kit before your login is activated.

Ensure that you are entering the correct Token, Username, PIN and Token Code, remembering that the Token Code is different each time you log in.

Card transaction dispute and chargeback rights

We can help you to dispute a card transaction, known as a chargeback, where we may reverse all, or part, of the amount of the disputed transaction back to a merchant’s bank in accordance with the applicable card scheme rules.

You should report a disputed card transaction to us as soon as possible so that we may reasonably ask for a chargeback where such a right exists. You may lose your ability to dispute the card transaction if you do not report it within 75 days of the transaction taking place.

When you dispute a card transaction, we will, in relation to the card transaction claim a chargeback right, where one exists, for the most appropriate reason and not accept a refusal of a chargeback by a merchant’s bank unless it is consistent with the relevant card scheme rules.

The card transaction can also include an unauthorised payment debited to the account pursuant to a recurring payment arrangement.

What is a direct debit

A direct debit is a regular payment agreement between you and the merchant. This is where you allow the merchant to automatically debit your nominated account regularly to pay for goods or services that merchant provided.

Obtain a direct debit list

We can provide you a direct debit list on your accounts, for the previous 13 months from your request. The list will include only those direct debits and recurring payments that are known to us from the information we receive about your transactions.

What we will do when you dispute or request cancellation of a direct debit

You can ask us to:

• investigate an unauthorised direct debit; and/or
• cancel your direct debit request.

We will act promptly to assist with your request.

When we handle your request for cancellation or a complaint, you are not required to first raise the cancellation or complaint directly with the merchant bank. However, we suggest that you also contact the merchant bank.

Before you dispute a card transaction

• Take note of all the card transaction details: transaction date, merchant name, disputed amount, account number, account name and card number.
• If the payment was processed through PayPal, they will have their own disputes process which should be followed.
• When you visit a hotel or hire a car, the merchant will normally place a hold on your card as a security deposit, known as a card authorisation. An outstanding card authorisation (which is a pending transaction) will reduce your available credit, but does not affect the balance owing on the card. The available credit on your card account will be reduced by that amount for up to 10 days until the merchant releases the authorisation.

How to dispute a card transaction

If you have considered the above and wish to dispute the card transaction, please complete the following form and send it to:

Alternatively, contact our Client Services Unit on 1800 025 484 in Australia or +61 2 8115 2240 if calling from overseas (6am-8pm, Monday to Friday, Sydney Time).

Please remember the process is not guaranteed and different card transactions have different timeframes within terms of resolution.

What happens after you have disputed a card transaction

1   Rabobank will investigate the disputed card transaction by referring the dispute to the merchant’s bank.

2  The merchant’s bank will then refer the dispute to the merchant. They will either accept the claim or further investigate under the relevant card scheme rules. At all times, Rabobank will keep you, the client, informed of the progress or outcome of the disputed card transaction.

3  If the merchant’s bank accepts the chargeback, the dollar value, in whole or in part, of a particular transaction, Rabobank will process the disputed card transaction correction.

4  If the merchant bank does not agree to make a chargeback, in whole or in part and you are not satisfied with the outcome, you may request:

4.1  the disputed card transaction be escalated to a Client Service’s manager;

or

4.2  make a complaint. For more information on how to make a complaint please visit our Compliments and Complaints page.

Our Rabobank Internet Banking provides secure online access to your accounts.

• View up-to-date details of your accounts including account summary, transaction history (for up to 18 months on some accounts), current Fixed Interest Options and electronic copies of your account statements.
• Request transactions (subject to cut-off times) and make enquiries 24 hours a day, 7 days a week.
• Make payments from your accounts to third party accounts.
• Set up your own payee lists.
• Transfer funds between your accounts (subject to cut-off times).
• Book Fixed Interest Options up to 10 business days in advance.
• Import and export payment files from your financial management software.
• Make temporary principal reductions on some loan accounts.
• Enquire about your accounts via our secure Mail service.
• Manage and impose restrictions on your own Delegated Users.

• BSB (Bank State Branch) number
• Account name
• Account number

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To log into Rabobank Internet Banking you will need your Username, PIN and Token. You can obtain these by calling the Client Services Unit on 1800 640 442. 

Once obtained, you can login by selecting Rabobank Internet Banking. If you experience any issues when signing in, please call Client Services Unit on 1800 640 442 for assistance. 

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To be eligible for our Rabobank Internet Banking, you will need to hold an All In One Account, Seasonal Cotton Loan & Cash Management Accounts.

To organise access to Rabobank Internet Banking, complete an Account Operating Authority form. For assistance please contact your local area manager on 1300 30 30 33 between 6am to 8pm Monday to Friday Sydney time. (+61 2 8115 2002 if calling from outside Australia).

Our Rabobank Internet Banking can be used 24 hours a day, 7 days a week subject to availability of the system (eg. Internet outage, maintenance outage etc) and availability of your ISP connection.

The turnaround time is usually 7-10 business days.

Rabobank Swift code for rural clients is RABOAU2B

Using our Rabobank Internet Banking you can export a transaction list from your computer to financial management software such as AgriMaster™, CA$hmanager Rural™, Phoenix™, Quicken™** and MYOB™.

Annual interest statements are issued once a year in mid August. 

You may request a transaction at any time, however the applicable cut-off time will affect the date on which the transaction is processed.
The following cut-off times apply:

• All Payments (including BPAY)

Payments confirmed before 6pm (Sydney time) Monday to Friday will be processed on the same business day.
Please allow up to 2 business days for the payment to be received by the Payee.

• Transfers

Transfers between your own accounts will be processed in real time. Exception periods are during overnight processing and maintenance periods.

• Rate Bookings

Rate Bookings confirmed before 4pm (Sydney time) Monday to Friday will be processed on the same business day.