Coöperatieve Rabobank U.A. (formerly Coöperatieve Centrale Raiffeisen-Boerenleenbank B.A.)

Current Accounts (EUR)from 20.40 EUR p.a. Open Account
Savings Accounts (EUR)up to 0.80 % Open Account
Time Deposit Accounts (EUR)up to 0.75 % Open Account
Consumer Loans (EUR)from 7.55 % Apply for Loan

Coöperatieve Rabobank U.A. (commonly known as Rabobank Nederland) was established in 1898 as a rural credit cooperative and is a head bank of Rabobank Group, an international financial services provider, active in the areas of banking, asset management, leasing, insurance and real estate. Rabobank Nederland provides a wide range of retail banking products and services to individuals and business customers.

Coöperatieve Rabobank U.A. is the 2nd largest bank in the Netherlands in terms of total assets. In 2015 its total assets were 483,97 bln EUR. In 2015 the bank's net income was 908,00 mln EUR.

Coöperatieve Rabobank U.A. is rated by Fitch, Moody's, Standard & Poor's. Long-term credit rating assigned to the bank by Fitch is AA- (very high credit quality). Long-term credit rating assigned to the bank by Moody's is Aa2 (high grade). Long-term credit rating assigned to the bank by Standard & Poor's is A+ (strong capacity to meet its financial commitments). Coöperatieve Rabobank U.A. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Coöperatieve Rabobank U.A. is a member of Rabobank (Netherlands). Coöperatieve Rabobank U.A. is headquartered in Utrecht.

Address
Croeselaan 18, 3500 HG, Utrecht, Netherlands
P.O. Box
17100
Phone
30 287 8787
Fax
30 216 2639
Website
https://www.rabobank.com/
Total Assets (2015)
483.97 bln EUR  (-2.91%)
Net Income (2015)
908.00 mln EUR  (-32.84%)
Credit Ratings (as of Apr 2016)
AA-/Aa2/A+
Deposit Guarantee
100 000 EUR
BIC (SWIFT)
RABONL2U
MFI ID
NL600

Business Summary

Services
retail banking
private banking
corporate banking
insurance
Products
current accounts
debit cards
credit cards
savings accounts (0.50 - 0.80 %)
time deposit accounts (0.15 - 0.75 %)
investment funds
pension plans
consumer loans (7.55 - 7.55 %)
mortgage loans
car loans (7.80 - 7.80 %)
trading accounts

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

Current accounts made with Coöperatieve Rabobank U.A. are covered by deposit guarantee scheme of the Netherlands up to 100 000 EUR per depositor. The following current accounts are offered by Coöperatieve Rabobank U.A..

Last updated 27 April 2017

ProductRegionAccount CurrencyAnnual Costs (EUR)Overdraft Rate (p.a.)Debit CardCredit Card
NL
EUR45.0012.90 % View Details Open Account
Current Account Details
Product Name TotaalPakket
Account Currency EUR
Annual Costs 45.00 EUR
Interest Rate (p.a.) 0.00 %
Overdraft Rate (p.a.) 12.90 %
Debit Card
Debit Card Costs (p.a.) 0.00 EUR
Credit Card
Credit Card Costs (p.a.) 0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Indexed TAN (iTAN)
pushTAN
photoTAN
Mobile TAN (mTAN)
chipTAN
Open Account
NL
EUR20.4012.90 % View Details Open Account
Current Account Details
Product Name DirectPakket
Account Currency EUR
Annual Costs 20.40 EUR
Interest Rate (p.a.) 0.00 %
Overdraft Rate (p.a.) 12.90 %
Debit Card
Debit Card Costs (p.a.) 0.00 EUR
Credit Card
Credit Card Costs (p.a.) 16.20 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Indexed TAN (iTAN)
pushTAN
photoTAN
Mobile TAN (mTAN)
chipTAN
Open Account

NL
 This product is offered to the Netherlands' residents only. When clicking on the product link you will be redirected to the product page in Dutch.

See Also

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

Savings accounts made with Coöperatieve Rabobank U.A. are covered by deposit guarantee scheme of the Netherlands up to 100 000 EUR per depositor. Coöperatieve Rabobank U.A. offers the following savings accounts.

Last updated 27 April 2017

ProductRegionAccount CurrencyInterest Rate (p.a.)Deposit Term (months)
DE
EUR0.80 %1 View Details Open Account
Savings Account Details
Product Name RaboTagesgeld
Account Currency EUR
Interest Rate (p.a.) 0.80 %
Deposit Term (months) 1
Investment Amount 1 - 75000 EUR
Interest Frequency 12 times a year
Open Account
DE
EUR0.80 %3 View Details Open Account
Savings Account Details
Product Name RaboTagesgeld
Account Currency EUR
Interest Rate (p.a.) 0.80 %
Deposit Term (months) 3
Investment Amount 1 - 75000 EUR
Interest Frequency 12 times a year
Open Account
DE
EUR0.67 %6 View Details Open Account
Savings Account Details
Product Name RaboTagesgeld
Account Currency EUR
Interest Rate (p.a.) 0.67 %
Deposit Term (months) 6
Investment Amount 1 - 75000 EUR
Interest Frequency 12 times a year
Open Account
DE
EUR0.58 %9 View Details Open Account
Savings Account Details
Product Name RaboTagesgeld
Account Currency EUR
Interest Rate (p.a.) 0.58 %
Deposit Term (months) 9
Investment Amount 1 - 75000 EUR
Interest Frequency 12 times a year
Open Account
DE
EUR0.53 %12 View Details Open Account
Savings Account Details
Product Name RaboTagesgeld
Account Currency EUR
Interest Rate (p.a.) 0.53 %
Deposit Term (months) 12
Investment Amount 1 - 75000 EUR
Interest Frequency 12 times a year
Open Account
NL
EUR0.50 %1 View Details Open Account
Savings Account Details
Product Name Rabobank Internetsparen
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 1
Investment Amount 1 - 999999 EUR
Interest Frequency 1 times a year
Open Account
NL
EUR0.50 %3 View Details Open Account
Savings Account Details
Product Name Rabobank Internetsparen
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 3
Investment Amount 1 - 999999 EUR
Interest Frequency 1 times a year
Open Account
NL
EUR0.50 %6 View Details Open Account
Savings Account Details
Product Name Rabobank Internetsparen
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 6
Investment Amount 1 - 999999 EUR
Interest Frequency 1 times a year
Open Account
NL
EUR0.50 %9 View Details Open Account
Savings Account Details
Product Name Rabobank Internetsparen
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 9
Investment Amount 1 - 999999 EUR
Interest Frequency 1 times a year
Open Account
NL
EUR0.50 %12 View Details Open Account
Savings Account Details
Product Name Rabobank Internetsparen
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 12
Investment Amount 1 - 999999 EUR
Interest Frequency 1 times a year
Open Account

DE
 This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

NL
 This product is offered to the Netherlands' residents only. When clicking on the product link you will be redirected to the product page in Dutch.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with Coöperatieve Rabobank U.A. are covered by deposit guarantee scheme of the Netherlands up to 100 000 EUR per depositor. Coöperatieve Rabobank U.A. offers the following time deposit accounts.

Last updated 27 April 2017

ProductRegionAccount CurrencyInterest Rate (p.a.)Deposit Term (months)
DE
EUR0.50 %1 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 1
Open Account
DE
EUR0.60 %3 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 3
Open Account
DE
EUR0.50 %3 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 3
Open Account
DE
EUR0.60 %6 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 6
Open Account
DE
EUR0.50 %6 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 6
Open Account
DE
EUR0.60 %9 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 9
Open Account
DE
EUR0.50 %9 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 9
Open Account
DE
EUR0.60 %12 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 12
Open Account
DE
EUR0.50 %12 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 12
Open Account
DE
EUR0.60 %24 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 24
Open Account
DE
EUR0.50 %24 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 24
Open Account
DE
EUR0.60 %36 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 36
Open Account
DE
EUR0.50 %36 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 36
Open Account
DE
EUR0.60 %48 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 48
Open Account
DE
EUR0.50 %48 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 48
Open Account
DE
EUR0.60 %60 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 60
Open Account
DE
EUR0.50 %60 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 60
Open Account
DE
EUR0.15 %60 View Details Open Account
Time Deposit Account Details
Product Name RaboFestgeld
Account Currency EUR
Interest Rate (p.a.) 0.15 %
Deposit Term (months) 60
Open Account
DE
EUR0.60 %72 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 72
Open Account
DE
EUR0.50 %72 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 72
Open Account
DE
EUR0.25 %72 View Details Open Account
Time Deposit Account Details
Product Name RaboFestgeld
Account Currency EUR
Interest Rate (p.a.) 0.25 %
Deposit Term (months) 72
Open Account
DE
EUR0.60 %84 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar90
Account Currency EUR
Interest Rate (p.a.) 0.60 %
Deposit Term (months) 84
Open Account
DE
EUR0.50 %84 View Details Open Account
Time Deposit Account Details
Product Name RaboSpar30
Account Currency EUR
Interest Rate (p.a.) 0.50 %
Deposit Term (months) 84
Open Account
DE
EUR0.40 %84 View Details Open Account
Time Deposit Account Details
Product Name RaboFestgeld
Account Currency EUR
Interest Rate (p.a.) 0.40 %
Deposit Term (months) 84
Open Account
DE
EUR0.75 %120 View Details Open Account
Time Deposit Account Details
Product Name RaboFestgeld
Account Currency EUR
Interest Rate (p.a.) 0.75 %
Deposit Term (months) 120
Open Account

DE
 This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by Coöperatieve Rabobank U.A. are shown in the table below.

Last updated 27 April 2017

ProductRegionLoan CurrencyEffective Rate (p.a.)Loan Amount (EUR)Loan Term (months)
NL
EUR7.55 %7500 - 1249924 Apply for Loan
NL
EUR7.55 %7500 - 1249936 Apply for Loan
NL
EUR7.55 %7500 - 1249948 Apply for Loan
NL
EUR7.55 %7500 - 1249960 Apply for Loan
NL
EUR7.55 %7500 - 1249972 Apply for Loan
NL
EUR7.55 %7500 - 1249984 Apply for Loan
NL
EUR7.55 %7500 - 1249996 Apply for Loan

NL
 This product is offered to the Netherlands' residents only. When clicking on the product link you will be redirected to the product page in Dutch.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by Coöperatieve Rabobank U.A. are shown in the table below.

Last updated 27 April 2017

ProductRegionLoan CurrencyEffective Rate (p.a.)Loan AmountLoan Term (months)
NL
EUR7.80 %7001 - 1000012 Apply for Loan
NL
EUR7.80 %7001 - 1000024 Apply for Loan
NL
EUR7.80 %7001 - 1000036 Apply for Loan
NL
EUR7.80 %7001 - 1000048 Apply for Loan
NL
EUR7.80 %7001 - 1000060 Apply for Loan
NL
EUR7.80 %7001 - 1000072 Apply for Loan
NL
EUR7.80 %7001 - 1000084 Apply for Loan
NL
EUR7.80 %7001 - 1000096 Apply for Loan
NL
EUR7.80 %7001 - 10000120 Apply for Loan

NL
 This product is offered to the Netherlands' residents only. When clicking on the product link you will be redirected to the product page in Dutch.

See Also

Trading Accounts

Trading accounts are used to execute trade transactions involving buying and selling various financial instruments, for example, stocks, bonds, futures and options. Trading accounts can hold both cash and securities.

Trading accounts made with Coöperatieve Rabobank U.A. are covered by investor compensation scheme of the Netherlands up to 20 000 EUR per investor. Trading accounts offered by Coöperatieve Rabobank U.A. are shown in the table below.

Last updated 27 April 2017

ProductRegionAnnual Costs (EUR)Costs per Order (EUR)
NL
160.0010.00 View Details Open Account
Trading Account Details
Product Name Rabo Beheerd Beleggen
Annual Costs 160.00 EUR
Costs per Order 10.00 EUR
Traded Instruments stocks
bonds
ETFs
funds
options
certificates
Stock Exchanges XETRA
Frankfurt
NYSE
Open Account
NL
200.0010.00 View Details Open Account
Trading Account Details
Product Name Rabo Direct Beleggen
Annual Costs 200.00 EUR
Costs per Order 10.00 EUR
Traded Instruments stocks
bonds
ETFs
funds
options
certificates
Stock Exchanges XETRA
Frankfurt
NYSE
Open Account

NL
 This product is offered to the Netherlands' residents only. When clicking on the product link you will be redirected to the product page in Dutch.

See Also

Financial Positions

Total Assets (2015)
483.97 bln EUR  (-2.91%)
Total Equity (2015)
36 147.00 mln EUR  (+14.41%)

In 2015 total assets of Coöperatieve Rabobank U.A. were 483.97 bln EUR. Decline compared to the previous period (2014) was -2.91%. The evolution of the total assets of Coöperatieve Rabobank U.A. is shown at Chart 1 below.

Total Assets of Coöperatieve Rabobank U.A.. Chart 1. Total Assets of Coöperatieve Rabobank U.A..

Profit and Loss

Net Income (2015)
908.00 mln EUR  (-32.84%)

In 2015 net income of Coöperatieve Rabobank U.A. was 908.00 mln EUR. Decline compared to the previous period (2014) was -32.84%. The evolution of the net income of Coöperatieve Rabobank U.A. is shown at Chart 2 below.

Net Income of Coöperatieve Rabobank U.A.. Chart 2. Net Income of Coöperatieve Rabobank U.A..

Market Position and Market Share (among banks in the Netherlands)

Total Assets (2015)
2nd

Credit Ratings (as of Apr 2016)

Fitch Moody's S&P
AA- (very high credit quality) Aa2 (high grade) A+ (strong capacity to meet its financial commitments)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government.
Of the 'Big Three' rating agencies, Coöperatieve Rabobank U.A. is rated by Fitch and Standard & Poor's.

Credit ratings assigned to Coöperatieve Rabobank U.A. as of April 2016 are shown in details in the following sections.

Fitch

Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for Coöperatieve Rabobank U.A. it is set to AA- (very high credit quality), outlook is stable (not likely to change). The rating is not on watch. Short-term issuer default rating for Coöperatieve Rabobank U.A. is set to F1+ (highest short-term credit quality).

Long-Term Issuer Default Rating  AA-
    Outlook  stable
    On Watch  No
Short-Term Issuer Default Rating  F1+
Viability Rating  a+
Support Rating  5
Support Rating Floor  NF

Viability rating for Coöperatieve Rabobank U.A. is set to a+ (high fundamental credit quality); support rating is 5 (there is a possibility of external support, but it cannot be relied upon); support rating floor is NF (no floor; no reasonable presumption of potential support being forthcoming).

Moody's

Long-term rating for Coöperatieve Rabobank U.A. it is set to Aa2 (high grade). Long-term bank deposit rating is Aa2 (high grade). Bank financial strength rating is a2. Short-term rating is set to Baa2.

Long-Term Rating  Aa2
Long-Term Bank Deposit Rating  Aa2
Bank Financial Strength Rating  a2
Short-Term Rating  Baa2
Outlook  stable

Outlook for the ratings of Coöperatieve Rabobank U.A. is set to stable (not likely to change).

Standard & Poor's

Long-term foreign currency rating for Coöperatieve Rabobank U.A. is set to A+ (strong capacity to meet its financial commitments). Long-term local currency rating is set to A+ (strong capacity to meet its financial commitments).

Long-Term Foreign Currency Rating  A+
    Outlook  -
    Credit Watch  -
Long-Term Local Currency Rating  A+
    Outlook  -
    Credit Watch  -
Short-Term Foreign Currency Rating  A-1
Short-Term Local Currency Rating  A-1

Short-term foreign currency rating for Coöperatieve Rabobank U.A. is set to A-1 (strong capacity to meet its financial commitments). Short-term local currency rating is set to A-1 (strong capacity to meet its financial commitments).

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in the Netherlands are obliged to participate in the Netherlands' deposit guarantee scheme.

In the case of Coöperatieve Rabobank U.A. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  private individuals, small companies
Covered Accounts  nearly every payment or savings account, current account or term deposit is covered
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information

Bank Identifiers

Any bank can be identified for different purposes and hence can have several different identifiers.

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of Coöperatieve Rabobank U.A. and its components are shown in the table below.

BIC  RABONL2U
Bank BIC Code  RABO
Country Code  NL (Netherlands)
Location Code  2U
Branch Code  -

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Coöperatieve Rabobank U.A. is shown in the table below.

MFI ID  NL600