Just a heads up, our Internet and Mobile Banking will be offline for scheduled maintenance between 10:00 pm on Saturday, 25th of May to 8:00 am on Sunday, 26th of May 2024.
We apologise for any inconvenience. If you’d like to speak to us, we’re available Monday to Friday 6:00 am to 8:00 pm (AEST) on 1800 445 445.

Please note from 15 March 2024 any Australian Variable Rate changes to the All in One - Regulated Loan Standard Line of Credit will be made available on our website and in The Australian newspaper and any changes to the credit fees and charges to the All in One - Regulated Loan Standard Line of Credit will be communicated to you in writing and made available on our website click here for more information.

Rabobank warns of an increased risk of scam and fraudulent activity including fictitious emails regarding fake Rabobank Term Deposits. Protect yourself online https://www.rabobank.com.au/security

Start Saving with Rabo

When you save with Rabobank, you get great products and rates that help you grow your savings, and you help Aussie farmers grow too.

Get started saving with these 3 easy steps:

  1. Open an online savings account
  2. Link your existing everyday account to Rabobank
  3. Receive your welcome pack & digipass

1. Apply for an online savings account

To get started, click ‘Apply For Savings Account’ on the home page or ‘Apply Now’ on the relevant product page. Please set aside 10 - 15 minutes to complete the form.

You can save your progress on the application and return at a later time to finalise and submit the application.

To complete the application, you will need:

  • Photo identification and the details of a transactional bank account in your (primary account holder’s) name.
  • A valid Driver’s Licence or Passport.
  • A mobile number & active email address.

Additional requirements for Self Managed Super Funds (SMSF) applications

Customers applying for a SMSF savings account will need to complete the ‘Superfund Trustee Acknowledgement of Authorised Signatory’ form, along with any other requested documentation requested as part of the application process.

2. Link your existing everyday account to Rabobank

When you apply for a new Rabobank Online Savings account, you'll be asked to provide details of an Australian bank account in your name with another financial institution. This is known as a linked account.

A linked account is used to transfer money in and out of your Rabobank Online Savings accounts. Your Rabobank Online Savings account and linked account need to be in the same name and entity type.

Before you can transfer between your accounts, you'll need to verify your linked account.

Verify your linked account

  1. From your linked account, enter the amount you wish to transfer to your new Rabobank account, this can be as little as $1.
  2. Type in ‘Verify’ or ‘Verify Account’ in the reference/description field of the transfer.
  3. Complete the transfer.

Once your linked account is verified, you will be able to securely transfer funds from your Rabobank account to your linked account.

Important: For individual accounts, your Rabobank Online Savings account and linked account needs to be in the same name. For Joint accounts the linked account must be in both names.

Linked Account FAQs

If your application is for a personal account and can be processed automatically, your account will be opened immediately – this means you will receive the BSB and ACC number straight away and you can fund your account.

You will also find your Rabobank Online Savings account number on your welcome letter which comes together in the post with your Digipass.

You will need to verify your linked account before being able to transfer funds out of your Rabobank Online Savings accounts. This is an added security measure and gives you peace of mind knowing your savings can only be transferred to your verified nominated linked account.

You can watch this helpful, step by step video or follow the steps below for how to change your nominated linked account:

  1. Login to your Online Savings account and follow the steps below:
  2. Select the ‘Services & Settings’ tab and then click on ‘Nominated linked account’.
  3. Click on ‘Edit’ and follow the prompts on screen to provide the details of your new Linked account (including BSB and account number).
  4. Please make sure your Online Savings account and Linked account are in the same name.
  5. Authorise the new Linked account using your Digipass as instructed.
  6. Any scheduled direct debits or direct credits including Regular Savings will be cancelled. You will need to set these up once you have verified your new linked account. You can find your scheduled direct debits or direct credits under upcoming payments in your internet and mobile banking. We advise you to take a note the details as they will be inaccessible post the linked account change.
  7. Now transfer money from your new Linked account into your Rabobank Online Savings account. Please type 'Verify account' in the reference field of this transaction. Please keep in mind that it can take up to 2 working days from when your payment is cleared for this request to be completed.

Please call us on 1800 445 445, from 6am to 8pm (Sydney time) Monday to Friday if you require further assistance.

3. Receive your welcome pack & digipass

Once you have submitted your online application, we’ll send you a text message and an email to let you know your account has been successfully opened.

We’ll also send you a welcome pack in the post which includes your Digipass device, which can take 5 – 7 days to arrive.

What is a Digipass?

The Digipass is a small hand-held device that randomly generates an access code, which is used to log in to a Rabobank Online Savings account and validate transactions. This provides one of the safest methods of online banking available today.

By using the Digipass, access to your account is protected by two-factor authentication.

The two elements are:

  1. something you know: your customer number and PIN code, and
  2. something you have: your Digipass.
  3. This is safer than a standard user name and/or password, where anyone who obtained this information could easily access your account.

How to activate your Digipass

You can activate your Digipass in three simple steps:

  1. Get an activation code: Go to the Online Savings Internet Banking page and click on 'Activate your new Digipass'. Enter your customer number, date of birth and how you want to receive your code (email or TXT).
  2. Set up your personal PIN: Press the orange key on your Digipass and enter the code we sent. You can then enter your own five digit PIN. Enter this twice to confirm it.
  3. Activate your Digipass: Follow the onscreen instructions to generate a Digipass code and complete the activation.

Important: You will need to activate your Digipass within 90 days of receiving it.

Digipass FAQs

If you have requested a Digipass activation or unlock code and the email or SMS message has not arrived within ten minutes, please call us on 1800 445 445, Monday - Friday 6am-8pm (Sydney time) or email us at clientservicesAU@Rabobank.com

If you have locked your Digipass, log into the Rabobank Online Savings online banking then select ‘Unlock Digipass’ link on the log in page and complete three simple steps to reactivate your Digipass.

You will need to enter your customer number, Date of birth and then select how you would like to receive your secure code (either via email or SMS).

Clicking ‘Send PIN’ will send the unlock code via the preferred channel and will be delivered to you within 10 minutes.

The second step is to reset your personal Digipass PIN. 

To do this you will need to:

  1. Press the orange key to start your Digipass 
  2. Enter the unlock code received via email/SMS
  3. Enter your own and unique PIN, then enter this into your Digipass twice

Your Digipass PIN has now been unlocked and you can complete step three of the unlocking process. Simply follow the onscreen instructions.

FAIL 1,2,3 or 4

The wrong PIN has been entered. Press the orange key to try again. You have five attempts before the Digipass locks.

LOCK PIN [-------]

If your Digipass is displaying ‘LOCK PIN’ followed by characters or numbers, please refer to How do I unlock my Digipass?


Your PIN code has been entered incorrectly. Press the orange key to try again.

BATT1, LOCK DISABLE 2, -00000000-

The battery is almost empty or requires replacing. You can't replace the battery but we can send a new Digipass free of charge. Please refer to I have lost my Digipass, how do I get a new one?

  1. Press the orange button on your Digipass
  2. Enter your existing 5 digit PIN
  3. When the Digipass displays APPLI, Press and hold the orange button for approximately 2 seconds
  4. Screen will display NEW PIN -----
  5. Enter your new 5 digit PIN
  6. Re-enter your new 5 digit PIN to confirm your Digipass will now be active with your new PIN.

Download the mobile banking app

Managing savings on the go

With a built-in Digipass, the new Online Savings Mobile Banking App gives you secure access to your account, without needing to carry your Digipass.

  • Fast access to Mobile Banking
  • Transfer money in, out and between your accounts
  • Effortlessly view pending and historical transfers


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