--- title: "All In One Account — Rabobank" description: "Business Loans from Rabobank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/rabobank/products/c95f19d5-1f39-4861-88c6-533ae47eacaa source: "CDR Compare" language: en-AU last_updated: 2026-08-28T00:48:05Z --- # All In One Account — Rabobank > Business Loans from Rabobank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Business Loans · Negotiable rates** Combining transaction and loan facilities in a single account, and effectively acting like a revolving line of credit, the All In One makes managing your finances easy and gives you access to working capital when you need it. ## Apply Applications are handled by the provider: [Apply at Rabobank](https://www.rabobank.com.au/banking/rural-loans) ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Variable | 0.01% | Balance $0–$19,999.99 | monthly | | Variable | 0.01% | Balance $20,000–$99,999.99 | monthly | | Variable | 0.01% | Balance $100,000–$249,999.99 | monthly | | Variable | 0.01% | Balance $250,000–$499,999.99 | monthly | | Variable | 0.01% | Balance $500,000+ | monthly | ## Fees | Fee | Type | Amount | | --- | --- | --- | | VISA Debit Card Currency Conversion Fee (% of converted amount) — Fees may be charged for overseas transactions by the overseas merchant or bank. If a transaction is refunded, fees are not refunded. | Transaction | 2.85% of transaction | | Same Day Funds Transfer Fee — For Real Time Gross Settlement. | Payment | $21.50 | | Foreign Currency - Telegraphic Transfer (Out) Fee — Fees may be charged by the overseas bank. | Payment | $30.00 | | Foreign Currency - Telegraphic Transfer (In) Fee — Fees may be charged by the overseas bank. | Payment | $10.00 | | Replacement VISA Debit Card Fee (within Australia) — Additional courier charge may apply if express delivery required. Courier fees charged are the standard fees for orders of that type to that location. | Replacement | $10.00 | | International Replacement VISA Debit Card Fee (if card lost or stolen) — Charges applied by VISA. Replacement card delivered to local institution nominated by VISA. | Replacement | USD 200.00 | | International Emergency Cash (if card lost or stolen) — Charges applied by VISA. | Event | USD 175.00 | | Rabobank Internet Banking Token Replacement Fee | Replacement | $100.00 | | Debit Interest — Charged monthly · Interest on debit (negative) balances will be charged as per the corresponding clause(s) in the All in One - Conditions of Use document. This interest is applicable to All in One Accounts without a Line of Credit or agreed overdraft including an All in One Credit Only Account. | Ongoing | Variable | | Temporary Limit Increase Fee — When a temporary increase in a Loan Limit is allowed. | Event | $250.00 | | Loan Establishment Fee — Payable on acceptance of a Letter of Offer and non-refundable. | Upfront | From $750.00 | | Loan Limit Increase Fee — When a Loan Limit is increased, other than a Temporary Limit Increase. | Variation | From $500.00 | | Legal Fees — At-cost legal fees incurred by the Bank relating to a Loan or securities. | Event | Variable | | Registration Fees — Relating to securities for a Loan. | Event | Variable | | Disbursements — At-cost fees in connection with documentation preparation and administration. | Event | Variable | | Search Fees — At-cost fee including title and company searches. | Event | Variable | | Valuation Fee | Event | Variable | | Mortgage Discharge Fee — Where the Bank attends or effects an electronic based release/discharge. 250.00 AUD for up to 5 release/discharge of mortgage (calculated per mortgage dealing) and/or security interest (calculated per grantor). Then, 50.00 AUD per each additional release/discharge of mortgage and/or security interest. | Event | From $250.00 | | Undrawn Fee — Charged monthly · Charged on unused portion of a Loan Limit. | Ongoing | Variable | | Bank Guarantee Fee — Charged for issue of bank guarantees. | Event | Variable | | Break Cost — Charged where a Fixed Interest Option is broken early and the Bank suffers a loss as a result. | Event | Variable | ## Features - **Additional cards** — A limit of one card per Authorised Signatory applies. (Additional Rabobank Visa Debit Card may be issued to an Authorised Signatory upon request.) - **Bill payment (BPAY)** — BPAY (Pay bills an easy way with BPAY.) - **Card access** — Rabobank Visa Debit Card. (Access to your funds via your Rabobank Visa Debit Card.) - **Digital banking** (Online and mobile banking.) - **Extra repayments** (Accept extra repayments.) - **Fraud protection** (Includes fraud protection.) - **Guarantor supported** (Guarantor may be required for loan applications.) - **Notifications** — Includes advanced notifications sent to clients. (An alert about future events or notifications.) - **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. This feature applies to All In One Credit Only Accounts and excludes credit funds held in All In One Loan Accounts.** - **Freedom to pay down debt in good times with no penalties if you repay your variable rate loan early.** - **Flexibility to adjust your repayments to alleviate any cash-flow pressures.** - **Range of interest rates can be fixed online or by phone on any portion of the loan for 1 month to 5 years (with no further documentation) including forward bookings, giving you greater control over your interest rate risk.** - **Multiple All In One accounts are available.** - **Overdraft available** (By prior agreement with us, clients may overdraw the account for a period of no more than 62 days. Debit interest will be charged as per the corresponding clause(s) in the All In One - Conditions of Use document.) - **Redraw facility** (Ability to access capital quickly by redrawing funds when you need them.) - **Relationship management** (Relationship management is available for all Rural Loans clients.) - **Unlimited transactions** (Unlimited free transactions available to clients.) ## Eligibility - **Minimum age** — 18 years (The applicant and each account owner must be at least 18 years old.) - **Suitable for farmers and/or food & agribusinesses only.** ## More information from Rabobank - [Overview](https://www.rabobank.com.au/banking/rural-loans) - [Terms & conditions](https://www.rabobank.com.au/aio_standardlineofcredit_terms) - [Eligibility](https://www.rabobank.com.au/corporate/legal/) - [Fees & pricing](https://www.rabobank.com.au/rabobank_standardfees.html) ## Data provenance - Published by Rabobank under the Consumer Data Right - Product ID: `c95f19d5-1f39-4861-88c6-533ae47eacaa` - Last updated by the provider: 28 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/rabobank/c95f19d5-1f39-4861-88c6-533ae47eacaa - Provider page: https://www.cdrcompare.au/brands/rabobank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000033 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/rabobank/products/c95f19d5-1f39-4861-88c6-533ae47eacaa) — product data published by Australian data holders under the Consumer Data Right. 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