Savings Account, Online Savings Account | Rabobank
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Personal Savings

You can choose from our set of award winning savings accounts that work together to offer you flexibility and choice. Best of all, the money you save in any of these accounts is used to fund our local farmers, and the reality is... we all rely on our farmers at least 3 times a day. Care to read more?

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High Interest Savings Account
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Get the most out of every dollar you save without changing your everyday bank, helping you save in the most flexible way.

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Create a smart saving habit and get a higher rate of interest just for increasing your balance by at least $200 each month*.

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90 Day Notice Saver up to


Ideal when you don't need instant access to your savings and want to  stay focused on your goals.

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5 year term up to


Lock in your savings and get a guaranteed return. You can start from as little as $1,000 with terms from 1 month to 5 years.

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^Current 4 month introductory variable rate for new personal customers on deposits up to $250,000. Rate subject to change.
*Maximum rates apply when your closing balance on the last day of the month is at least $200 higher than it was at the beginning of the first day of the month (excluding interest earned).

Kick start your savings plan with a 4 month introductory variable rate of 2.25% p.a.*

Your first $250,000 is protected by the Australian Government guarantee^

^ The guarantee protects the first $250,000 of all deposits held with Rabobank.

Get all your savings working together

Chances are you need to use different parts of your savings in different ways. You may need instant access to some funds, but want to lock other money away. So we've created a set of savings accounts that work together to give you flexibility and choice.

You can start with any account and you automatically get access to the whole set, with no account keeping fees and without the hassle of multiple applications.

Rabobank Online Savings Calculator

See how your savings can grow

A great way to see how you can maximise your savings is to use our savings calculator. Select the features that you're after and see how our range of personal savings products work together to get your money working harder for you. You can see your savings over time and you can set a savings target.

The most commonly asked questions

Are there any account keeping fees?

No, we do not charge any account fees on any savings accounts or Term Deposits. Early termination fees apply to Term Deposits.

How do I transfer funds into my Rabobank Online Savings account?

You can transfer funds into your High Interest Savings Account (HISA) using the 'Transfer in' feature if you have allowed direct debit authority on your linked account. You can also transfer funds into any of your HISA or PremiumSaver accounts via electronic funds transfer (EFT) from most Australian accounts using your Rabobank BSB and Account number.

Can the interest rate change?


Yes, interest rates offered on our High Interest Savings Account, Purpose Saver, Notice Saver and PremiumSaver are variable and may change. Our Term Deposits have fixed rates.

We'll always let you know when the interest rates change.

When is the interest rate calculated and paid into my account?


Interest is calculated daily throughout the month and is paid into your High Interest Savings Account at the end of each month. You can see the amount of interest you have earned for the previous month on the next months account statement or transaction history.

Intro rate - Can the introductory variable rate change or is it fixed?

The introductory variable rate is variable, which means it is subject to change. 

Intro rate - How does the introductory variable rate work?

The introductory variable rate is available for accounts opened on or after 15th June for a period of 4 months on balances up to $250,000. 

The portion of account balance greater than $250,000 earns the standard variable rate for that tier.

After the introductory 4 month period, all balances revert to the current standard variable rates on those tiers.

 Please refer to the ‘My Rates’ page for details. 

What is a High Interest Savings Account?

A High Interest Savings Account is the perfect way to get your dreams back on track. You'll get a great variable rate, plus there are no fees, no minimum balance requirements and no sneaky terms and conditions. You can transfer money any time between your Linked account with your other bank and your High Interest Savings Account (HISA). From your HISA you can instantly transfer funds into any of your other Online Savings accounts.

Can I install the app on more than one phone or tablet?

Yes, you can download and register the Rabobank Online Savings Mobile Banking App on up to six devices per account. 

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