{
  "source": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/a11d6810-6fe5-4d71-8014-d93244f78f53",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "a11d6810-6fe5-4d71-8014-d93244f78f53",
    "lastUpdated": "2026-05-15T00:35:19Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Rabobank Farm Management Deposit (Variable rate)",
    "description": "Being available to individual primary producers, the Rabobank Farm Management Deposit (FMD) account can enable them set aside surplus pre-tax income from profitable seasons to help out in leaner times.",
    "brand": "Rabobank",
    "applicationUri": "https://www.rabobank.com.au/banking/deposits#farm-management-deposits",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.rabobank.com.au/banking/deposits#farm-management-deposits",
      "termsUri": "https://www.rabobank.com.au/ctd_tcs.html",
      "eligibilityUri": "https://www.rabobank.com.au/banking/deposits#farm-management-deposits",
      "feesAndPricingUri": "https://www.rabobank.com.au/product-rates#farm_mgt"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online and mobile banking.",
        "additionalInfoUri": "https://www.rabobank.com.au/mobile-banking-app#sba"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Includes fraud protection."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Includes advanced notifications sent to clients.",
        "additionalInfo": "An alert about future events or notifications."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.",
        "additionalInfoUri": "https://www.rabobank.com.au/banking/deposits"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "800000.00",
        "additionalInfo": "The total balance in all your Farm Management Deposit accounts, across all financial institutions, can't be more than $800,000 (or another amount as amended by legislation from time to time)."
      },
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Funds can only be transferred externally to the linked nominated account."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "You must be an individual primary producer (with taxable non-primary production income of $100,000 or less for the income year or another amount as amended by legislation from time to time) at the time of making a Farm Management Deposit."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Suitable for farmers (individual primary producers) only."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applicants who are minors (less than 18 years of age) will be considered if they are a beneficiary of a trust. Rabobank will require an Authorised Signatory who is 18 years or older to operate the Account on behalf of the minor."
      }
    ],
    "fees": [
      {
        "name": "Account keeping fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.019",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.019",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "499999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.019",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.00",
            "maximumValue": "800000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt"
      }
    ]
  }
}