Just a heads up, our Internet and Mobile Banking will be offline for scheduled maintenance between 10:00 pm on Saturday, 22nd of June to 6:00 am on Sunday, 23rd of June 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, new future dated direct debits are currently unavailable for Rabobank Online Savings. Existing future dated direct debits or one-off direct debits will take place as requested. 

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

Visa Debit Card Security

Contactless limit increase

  • The payments industry, other issuers like Rabobank and the government have agreed to increase the value limit for contactless transactions without a PIN. This is a temporary increase of the contactless card PIN limit from $100 to $200 to help reduce the risk of COVID-19 transmission by reducing physical contact with the payment terminal.
  • The new $200 limit will be progressively introduced across certain retailers starting in early April 2020. The increase in the contactless limit is consistent with similar increases implemented or under consideration in other countries in response to COVID-19.
  • The new $200 limit is a temporary measure in response to COVID-19. The limit is expected to remain in place for a period of time and maybe extended if necessary, based on Government advice.
  • The new temporary limit is being rolled-out progressively and will be available at certain merchants.
  • Customers can ask the merchant whether the new limit is available and will also be made aware that the new limit is in place by the PIN pad prompts at the time of payment.
  • There is no opt-out option for this change and clients won’t have to do anything to allow the limit increase to $200.
  • We will continue to monitor customers’ accounts and alert them concerning any unusual activity. Clients are advised to continue to keep their card safe at all times to protect against theft and check their account often.
  • If you require more information, please call Rabobank during office hours on Monday – Friday 8am - 6pm (Sydney time) on 1800 025 484.

Rabobank is upgrading security for online debit card purchases

  • The Visa security protocol for our Debit Cards is being upgraded. It is called Visa 3D Secure 2.0 and it is the transition of 3D Secure 1.0 to 3D Secure 2.0. The upgrade applies to Debit Cards used for online purchases only. It does not apply to purchases made in-store or for ATM withdrawals.
  • The upgrade will come into effect on 15 April 2020.
  • The concept of the security upgrade is to tie the in-person financial authorisation process with an online authenticationto make sure that the purchaser is the card owner.
  • This upgrade means that a transaction using 3D Secure 2.0, may initiate a redirected Visa / Rabobank pop up screen to authorise the transaction. A password-based authorisation is then required. This means that to effectively purchase on the Internet, you will be using a password / code that is tied to your card. You will receive the unique password / code through your mobile phone number that is registered with Rabobank.
  • As your Visa Debit Card number and your mobile phone number will be pre-enrolled to Visa 3D Secure 2.0, this will not require any effort from you.
  • There will be no cost involved for you as our client.
  • If your mobile number is not registered with Rabobank, has not been supplied, is incorrect or you have recently changed your mobile phone number, please call Rabobank during office hours on Monday - Friday 6am - 8pm (Sydney time) on 1800 025 484.
  • If your online purchase is declined, call us Monday - Friday 6am - 8pm (Sydney time) on 1800 025 484.
  • If you call us out of hours, you will be redirected to Orion who can assist to get this transaction authorised. You will still need to call Rabobank during business hours to make sure that your mobile number gets registered so that you are advised on the next online debit card purchase.
  • For further security information, please visit our Security page; or for more information & FAQs click here.

Frequently asked questions

The payments industry will be temporarily increasing the contactless card PIN limit from $100 to $200 to help reduce the risk of COVID-19 transmission by reducing physical contact with the payment terminal.


The new $200 limit will be progressively introduced across certain retailers starting in early April 2020.


The increase in the contactless limit is consistent with similar increases implemented or under consideration in other countries in response to COVID-19. Increasing the limit to $200 means that fewer people will need to touch the payment terminal when paying for purchases up to $200.


The new temporary limit is being rolled-out progressively and will be available at certain retailers. You can ask the retailer whether the new limit is available and will also know at the time of payment by the PIN pad prompts.

If the new limit has been introduced at the retailer, you will be prompted to tap your card for purchases up to $200, and NO PIN will be required. If the new limit is not available at a certain retailer, you will still be prompted to enter your PIN for purchases over $100.

At all times, follow the PIN pad prompts.

The new $200 limit is a temporary measure in response to COVID-19. It is expected the limit will remain in place for a period of time and may be extended if necessary, based on Government advice.


We will continue to monitor your account through our fraud systems and alerts. It is vital that you continue to keep your card safe at all times to protect against theft and check your account often. If you lose your card or have any concerns about unauthorised transactions on your account, please contact Client Services Monday Friday 6am - 8pm (Sydney time) on 1800 025 484.


More information can be found at: https://www.auspaynet.com.au.


On 15 April 2020, the 3D Secure 2.0 security protocol will come into effect.


3D Secure 2.0 is an enhanced protocol (a set of rules), that improves on the previously utilised 3D Secure 1.0 (also known as Verified by Visa). This protocol provides additional protection for both merchants and debit card customers when payments and purchases are made online.


The prevention of online fraud is of the upmost priority to visa, its merchants, clients and providers. This protocol is used to authenticate cardholder transactions during online payment processing, similar to entering a PIN for an ATM or EFTPOS transaction.


The concept of the protocol is to tie the in-person financial authorisation process with an online authentication. This authentication is based on a three domain model (hence the 3D in the name). The three domains are: (1) Acquirer Domain - the merchant and the bank to which money is being paid, (2) Issuer Domain - the bank who issued the card being used (3) Interoperability Domain - the infrastructure provided by the debit or credit card scheme to support the 3D Secure protocol.

A transaction using 3D Secure 2.0 will initiate a redirect to the website of the card issuing bank to authorize the transaction. A password-based authorisation is then required. This means that for some online purchases, our clients will receive a unique code / password to their registered mobile phone, which is then required to be entered into the Merchant website to authenticate the transaction.

You will be redirected to a Visa / Rabobank transaction authorisation screen, where you will be required to enter the code that would have been sent to your registered mobile device.

Please call Rabobank Monday - Friday 6am - 8pm (Sydney time) on 1800 025 484. We will make sure your mobile number gets registered so that you are advised on your next online debit card purchase.


Please call Rabobank Monday - Friday 6am - 8pm (Sydney time) on 1800 025 484. We will advise you on your next online debit card purchase.


As the user will be unable to authorise the transaction via the new protocol, the transaction will be declined.


This will only happen if you purchase something online and the 3D Secure 2.0 security considers your transaction inconsistent or suspicious.


Visa has introduced 3D Secure 2.0 to help reduce online fraud. In return, they require all financial institutions to support the security for the mutual benefit of all stakeholders, especially card holders.

No. All Visa Debit Card holders with Rabobank will be enrolled in this security upgrade free of charge.

You will be sent a 6 digit code to your mobile device that you will need to use to authorise the transaction.


The Visa 3D Secure 2.0 might have deemed your transaction as inconsistent and has prompted you to authorise the transaction. If the authorisation fails, the transaction will be declined.

Also if your mobile number is not registered with Rabobank, your online transaction will be automatically declined.

Please call Rabobank Monday - Friday 6am - 8pm (Sydney time) on 1800 025 484. We will assist to get this transaction authorised and also we will make sure your mobile number gets registered so that you are advised on your next online debit card purchase.

If you call us out of hours, you will be redirected to Orion who can assist to get this transaction authorised. You will still need to call Rabobank during business hours to make sure that your mobile number gets registered so that you are advised on the next online debit card purchase.