All In One account 
All in One Rural Loan Account 

Flexibility and convenience all in one

New Zealand’s market leading agribusiness account, the Rabobank All In One account, provides you with one of the most innovative rural finance packages available. Specifically developed to provide convenient, flexible long-term finance, it allows you to make those important financial decisions at a time that suits you and your business.


The All In One account provides a convenient solution, combining your short-term/overdraft and long-term borrowing requirements, whilst also providing phone and internet banking, debit card, ATM and cheque book access. For added flexibility you also have the convenience of being able to book your own fixed rate options quickly and securely online seven days a week* via Internet Banking. Having all your accounts in one not only increases efficiency, it gives you the flexibility to make financial decisions at a time that’s right for you.


Outstanding features are:


  • Interest-only loan for up to 15 years
  • Your income automatically reduces your variable loan balance
  • Innovative, market-leading fixed interest rate bookings online
  • Interest payments can be timed to suit your peak income periods
  • Saves you time transferring money between accounts
* Internet bookings made after 6:00pm will be processed the next business day at the rate indicated at the time of booking.

Why an All In One account?

Because each and every one of our clients is unique, Rabobank’s All In One account has many great features that could suit you and your business.



Features of an All In One account

The benefits it offers to your business

Transaction, overdraft and loan facilities in a single account

Minimise funds transfers and reduce interest (plus competitive credit balance interest rates)

Interest-only loan period of up to 15 years

Manage cash flow when most needed

Penalty free early repayments (on variable loans only)

There’s no penalty for repaying more or earlier than required on the variable rate portion of your loan

A range of interest rates can be fixed online or by phone^ without a fee and with no further documentation.

Flexibility to manage your interest rates seven days a week, just follow the steps online to select a term from 30 days to five years.

No minimum repayments. Interest payable capitalised to your account balance

Flexible interest and principal repayment, as long as you stay within the limit of your loan, allowing you to manage your cashflow, interest and loan repayments at times that suit your business cycle

Forward-book interest rates online or by phone^ without a fee and with no further documentation.

The flexibility allows you even greater control over your interest rate risk

No loan fees on drawn funds; simple transaction fees

Simple fee structures let you plan your repayment schedule

Internet Banking, Debit MasterCard® and cheque book

Convenient access to funds the way that suits you

^ Interest rate bookings, including forward-rate bookings, can be made through the Client Services team up to 4:00 pm on business days.
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