The Finance Algorithm
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Cash Management Account

The Rabobank Cash Management account, being a flexible savings account with transactional facilities, is designed to help you efficiently manage your day-to-day money.

Savings & transaction accountsBank updated 28 Aug 2026

At a glance

Base rate
0.05%
Monthly fee
$0
Rabobank Visa Debit Card

How it compares

This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This account: 0.05%Every other institution's highest, 60 in all

Paid whatever you deposit or spend. One dot per institution, at its highest savings rate with no bonus conditions anyone can apply for; hover or tap a dot for its name.

RateThis accountBest anywhereTypical institutionWhere it sits
No bonus conditionsPaid whatever you deposit or spend0.05%4.80%MoveBank's Online Saver2.25%of 61 institutions55th highest of 61, level with one other

Rates

Every rate Rabobank publishes for this account, 7 in all.

TypeApplies toTermBandRateComparisonConditions
Variable--up to $10,0000.05%-paid every 1 mo
Variable--$10,000–$20,0000.05%-paid every 1 mo
Variable--$100,000–$250,0000.05%-paid every 1 mo
Variable--$20,000–$50,0000.05%-paid every 1 mo
Variable--$250,000–$500,0000.05%-paid every 1 mo
Variable--$50,000–$100,0000.05%-paid every 1 mo
Variable--$500,000+0.05%-paid every 1 mo

Fees

10 fees published, grouped by when they're charged.

While you hold it2

  • Account keeping fee
    No fee
  • Debit Interest

    Interest on debit (negative) balances will be charged as per the corresponding clause(s) in the Rabobank Deposit Accounts Terms and Conditions document.

    Varies a month

When you make a transaction4

  • Foreign Currency - Telegraphic Transfer (In) Fee

    Fees may be charged by the overseas bank.

    $10
  • Foreign Currency - Telegraphic Transfer (Out) Fee

    Fees may be charged by the overseas bank.

    $30
  • Same Day Funds Transfer Fee

    For Real Time Gross Settlement.

    $21.50
  • 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.

    2.85% of transaction

When particular things happen4

  • International Emergency Cash (if card lost or stolen)

    Charges applied by VISA.

    $175
  • International Replacement VISA Debit Card Fee (if card lost or stolen)

    Charges applied by VISA. Replacement card delivered to local institution nominated by VISA.

    $200
  • Rabobank Internet Banking Token Replacement Fee
    $100
  • 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.

    $10

Features

Digital bankingFraud protectionUnlimited transactions
  • 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.

Eligibility and limits

  • Minimum age 18
  • Opening balance $20,000
  • Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and other forms of business structures that Rab…

Published by Rabobank under the Consumer Data Right, last changed by them on 28 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.