Internet Banking

Your Account summary is displayed after you successfully sign in.

It displays the following information for your accounts:

• Account number
• Description (i.e. account type)
• Balance
• Available balance
• Loam limit (if applicable)
• Temporary increase amount & expiry date (if applicable)

Click on an account number or description to see further detail.

Account activity provides access to your Transaction history.

You can also rename your account with a nickname – so that you can easily distinguish between your accounts. This nickname will only be used in the context of your internet banking.

Transaction history

Displays a list of transaction for your accounts over a specific period of time.

You can search your transactions by description or amount. If you want to search for specific transactions, click on ‘Advanced search’ for more options.

Within advanced search, you can search by:

• Transaction type
• Amount range
• Search text within a description
• Or a combination of the above

Export transactions

To export your transactions:

1. Click ‘Download’
2. Select the file format you want to export
3. Click the ‘Download’ button

On the transfer and pay screen, you can

• Move your money
• View upcoming payments
• Manage payees and billers

Pay anyone is used to transfer money to third party accounts.

You will need to add and authenticate your payee before making a payment.

To make a transfer to a third party:

1. Select the payee in your payee list
2. Select the account you want to make the payment from
3. Enter Particulars, Code, Reference
4. Enter payment amount
5. Enter the date the payment is to occur
6. Select the frequency
     a. Once
     b. Recurring
         i. Select the frequency
         ii. Select the end date or ‘until I cancel’
7. Click ‘Continue’
8. Check the payment details are correct
9. Click ‘Confirm’
10. Confirmation screen is then displayed
11. You have the option to email a copy of the confirmation to your email address and to your payee’s email address
12. If Authorisation is required, a list of approvers is displayed.
      a. Selecting an authoriser will send a notification that a payment is awaiting their approval.

Cut off times for payments

Payments confirmed before 8:45PM NZT Monday to Friday will be processed on the same business day.

Please allow up to 2 Business days for payments to be received by Payees.

When adding a payee, please check the BSB and account number you have entered. Payments made to the wrong account as a result of you entering an incorrect BSB or account number may not be able to be recovered.

You can add a Payee by:

1. Clicking on ‘Manage payees and billers’ then ‘Add payee(s)’
2. Clicking on ‘Pay anyone’ then ‘Add payee(s)’

After clicking on ‘Add payee(s)’, the add payee form is loaded:

1. Enter in Account name
2. Bank Number
3. Account number
4. Particulars
5. Code
6. Reference

You can add another payee or click ‘Continue’.

Once you have added all your payee(s), you will need to authenticate them before you can make a payment.

1. You will be prompted to enter in your passcode (PIN + Token code)
2. Click ‘Confirm’
3. Payees will now be added to your payee list.

Future dated and recurring payments require cleared funds to be available the business day before the payment is due.

To Pay a bill:

1. Select the biller you want to pay
2. Select the account you want to make the bill payment from
3. Enter in Particulars, Code, Reference
4. Enter in the payment amount
5. Enter or select the date you want to make the payment
6. Select the frequency
7. Click ‘Continue’
8. Check the payment details
     a. If the payment requires further authorisation
         i. Click ‘Continue’
         ii. Select the authoriser/s you want to notify
         iii. Click ‘Send for Approval’
   
     b. If the payment does not require further authorisation
         i. Click ‘Confirm’
9. Confirmation receipt is displayed.
10. Click ‘Done’ or ‘Another bill payment’ to make another payment.

You can add a biller by:

1. Clicking on ‘Manage payees and billers’ then ‘Add a biller’
2. Clicking on ‘Pay a bill’ then ‘Add a biller’

To add a new Biller:

1. Enter in your Biller name
2. Select your biller or click ’Search’
3. Enter in Particulars, Code, Reference
4. Select the entities you want to associate this biller with
5. Click ‘Add’
6. Select the entities you want to associate with the Biller
7. Click ‘Add’
8. The Biller is now added to your biller list

Rabobank charges a $25NZD fee. Margin rates also apply to currency conversion.

Beneficiary and intermediary banks may charge fees which are deducted from the payment.

To request an International transfer:

1. Select the account you want to make the payment from
2. Enter the Foreign currency (3 letter code e.g. EUR, GBP, AUD)
3. Enter the payment amount in the Foreign currency amount or NZD amount
4. Enter the Reason for payment
5. Enter the Beneficiary details
6. Enter the Beneficiary’s bank details
7. Click ‘View terms and conditions’ to review the International transfer terms and conditions
8. Select ‘I accept the Rabobank Internet Banking conditions of International Funds Transfer’
9. Click ‘Continue’
10. Review the transfer details
11. Click ‘Confirm’
12. Transfer request confirmation is displayed.

To view your upcoming payments:

1. Select the account you want to view
2. The upcoming payments will be displayed
3. Click on ‘Actions’ to either
     a. View the confirmation of the payment
     b. Delete the upcoming payment

Your Payees & Billers are linked to an entity, and all Account owners and Delegated users who can access an Entity can view, edit or delete these shared payees

Payees

This screen displays a list of all your payees.

You can view, edit or delete a payee.

1. Click on the Payee you want to action
     Edit:
     a. Modify their details and click ’Update’
     b. Some updates to payee information require the payee to be re-authenticated
     Delete:
     a. Click ‘Delete’
     b. Confirm you want to delete the payee

Unauthenticated payees

You can now bulk authenticate your payees.

If you have any payees that are unauthenticated, when you try to make a payment or go to the ‘Manage Payees’ screen you will see a message: ‘You have unconfirmed payees…’

To authenticate:

1. Click on ‘authenticate them here.’
2. A list of the unconfirmed payees are listed
     a. To confirm, enter in your PIN + Token code and click ‘Confirm’
         i. The payees will then appear in your payee list
     b. If you click ‘X’, you will be taken back to your payee list
     c. If you click ‘Cancel’, a ‘Cancel authenticating payee(s)’ message will appear
         i. Click ‘No’ – you will be returned to the list of unconfirmed payees
         ii. Click ‘Yes’ – to delete the unconfirmed payees
3. Please note: You cannot make a payment or add a new payee until unconfirmed payees have been authenticated or deleted.

Batch payments enable you to make payment from one of your accounts to multiple third party accounts in a single transaction e.g. paying employee wages or paying multiple accounts to the same payee.

Batch payments can be submitted for processing on today’s date (before 8:45PM) or they can be dated in the future. If your batch is future-dated it will remain with a status of pending until the morning of the payment date. All payments within a batch are paid on the same date.

To make a new batch payment:

1. Select the payees to add to the batch (You can also add a new payee)
2. Click ‘Add to batch’
3. Enter in Particulars, Code, Reference
4. Enter in an amount
5. Click ‘Continue’
6. Select the account you want to make the batch payment from
7. Verify the number of payees, and the total amount.
     a. If this is incorrect, click on ‘Edit details’
8. Enter in a batch description
9. Select the date the payment is to be made
10. Choose how you want to make the payments:
      a. Multiple: Individual payments
      b. Single: One bulk payment
11. Select ’Save template’ (Optional)
      a. Use this if you will use this batch payment again. You will be able to use the same template in the future.
12. Click ‘Continue’
13. Check the payment details
14. Click ‘Confirm’
15. Batch payment has been submitted/scheduled.

You can import a compatible batch file from your accounting software such as Xero.

You can only import files of format .aba or .txt

To import a batch file:

1. Click ’Browse’
2. Select the file from your file browser
3. Click ’Upload’
4. The file will be validated, and if there are any errors, the errors will be displayed.
     a. To continue uploading, please fix the errors in your accounting software and re-upload
5. After successful upload, the Payee details will be displayed including Particulars, Code, Reference & amount.
     a. Please note: The imported details cannot be edited. To edit the details, please edit in your accounting software and re-upload the file.
6. Click ‘Continue’
7. Select the account you want to make the batch payment from
8. Verify the number of payees, and the total amount.
     a. If this is incorrect, click on ‘Edit details’
9. Enter in a batch description
10. Select the date the payment is to be made
11. Choose how you want to make the payments:
      a. Multiple: Individual payments
      b. Single: One bulk payment
12. Click ‘Continue’
13. Check the payment details
14. Click ‘Continue’
15. You will need to authenticate the payment.
16. Enter in your PIN + token code
17. Click ‘Confirm’
18. Batch payment has been submitted/scheduled.

Here you can view the status of your batch payment.

You can find a list of your previously saved batch templates here.

To use a template click ‘Use template’.

If you no longer need the template, then you can click ‘Delete’.

Rate bookings are only available to Account Owners.

Select an account, to view:

• Available interest rates
• Current interest options
• Future/pending bookings

To book a fixed rate:

1. Click ‘Book fixed rate’
2. Enter Effective date
   a. The Available amount to fix will automatically update if a future date is entered
3. Enter in the amount you would like to fix
4. Select the term
5. Click ’Continue’
6. Check the book fixed rate information
7. Click ’Confirm’
8. Rate booking has been submitted

Secure messages provides you with the ability to send and receive messages directly with Rabobank Client services team.

You can:

• Send a new message
• View sent messages
• View received messages

To send a new message:

1. Click ‘New message’
2. Select the account you want to send an enquiry about or select ‘none’ for a general message
3. If you select an account, you will need to select a topic
   a. Account enquiry
   b. Transaction enquiry
   c. Fixed rate break quote (depending on the account selected, and will only appear for Account owners)
4. The message box will pre-populate with information depending on the topic selected
5. Enter in your message and click ‘Send’
6. You can view your sent messages in the ‘Sent’ tab

Authorisation is required from an Account owner when a Delegated user creates any of the following transactions:

• Account transfer
• Pay anyone
• Batch payment

Please note: Delegated users with Execute access for an account and related transactions do not require approval from an account Owner (unless the account requires more than 1 authoriser).

The access level for a Delegated user is set by an Account owner and is per account in an Entity. The access level can be different for each account in that Entity.

To Authorise a payment:

You can access the payment authorisation screen by:

• Clicking on the Payment authorisation notification OR
• Go to ‘Services & settings’ then ‘Payment authorisations’

On the Payment authorisation screen,

1. Click ‘Take action’ on the payment you want to authorise
2. Review the payment details
3. You have the option to:
   a. Approve the payment
       i. Click ‘Approve’
       ii. If no further authorisation is required, then the payment is submitted
   b. Decline the payment
       i. Enter in the required comments
       ii. Click ‘Decline’
       iii. A confirmation prompt appears
       iv. Click ‘Yes’ to decline the payment > The payment is then deleted
       v. Click ‘No’ to return to the payment authorisation request

Only available to Account owners.

Here you will see a list of your Entities and users linked to that entity.

You can manage the permissions for your delegated users.

1. Click on ‘Manage permissions’ next to the delegated user
2. Enable account access
   a. Yes
   b. No
3. Enter in the Daily limit the user is authorised to perform
4. Set the level of access for each transaction type.

None	Delegated user does not have access to account
View	Delegated has view access only to account, unable to perform any transactions
Input	Delegated user can create transaction type, but authorisation is required
Authorise	Delegated user can create transaction type, up to the daily limit and authorise



5. Click ‘Save’

You can view your session summary details, and the session summary details of your delegated users.

You can view the details of your last 20 Internet banking sessions.

Takes you to secure messages, where you can request a break quote for a selected account.

Here you can request for statements to be sent to your email address.

1. Select the account
2. Check and update (if required) the email address you want the statements to be sent
3. Read and accept the terms and conditions
4. Click ‘Send’

The request will be sent to Client Services.

You can update your:

• Home phone
• Business phone
• Mobile
• Email address

Please note: Changing your personal details in internet banking will not change your client or statement details elsewhere within the bank. To change your client or statement details please contact Rabobank Client Services on 0800 500 933 (8:00am - 5:30pm Monday to Friday).

You can your notifications on or off.

Select your preferences for each notification type.

• Internet banking notification
• Email

To change the preference for your mobile notifications, please do this via the mobile app.

Subject to agreement by all account owners you can permit others to access, view or transact on your account. For more information on how to register a Delegated User please call our Client Services Unit on 0800 500 933 or +64 4 819 2783 if calling from outside NZ.

Details such as, email address, contact phone numbers, residential and postal address can be amended by sending a secure message via Rabobank Internet Banking. This is done while logged into Rabobank Internet Banking, select the Mail tab and then click on Create New Mail.

You can download the Rabobank internet banking conditions of use here.

Statements can only be accessed by Account owners.

Up to 5 years of statements can be viewed in PDF format. They are available for each individual entity, and include all accounts in that entity.

To search and view your eStatements:

1. Select the entity you want to view the statements for
2. Select the time period you want to view statements for
       a. You also have the option to enter in a custom date range
3. A list of statements will appear matching the time period selected

Access to Rabobank Internet Banking is through http://www.rabobank.co.nz and select the Sign In option. If you have any questions, please call 0800 500 933.

Account transfer is used to move money between your Rabobank accounts, or a nominated account.

To make a transfer:

1. Select the account to debit funds from
2. Select the ‘To’ account
3. Enter payment amount
4. Enter Particulars, Code, Reference
5. Enter the date the payment is to occur
6. Select the frequency
     a. Once
     b. Recurring
         i. Select the frequency
         ii. Select the end date or ‘until I cancel’
7. Click ‘Continue’
8. Check the payment details are correct
9. Click ‘Confirm’
10. Confirmation screen is then displayed
11. You have the option to email a copy of the confirmation to your email address
      a. If the email address that appears is incorrect, you can update your email by going to Services & Settings – My profile
12. If Authorisation is required, a list of approvers is displayed.
      a. Selecting an authoriser will send a notification that a payment is awaiting their approval.

To be eligible for our Rabobank Internet Banking you will need to have an All In One account.

To arrange access to Rabobank Internet Banking you will need to contact your Rural Manager or contact the Client Services Unit on 0800 500 933 between 8am and 5.30pm Monday to Friday or +64 4 819 2783 if calling from outside NZ.

The turnaround times are 7-10 business days.

You will be asked to call us on a special phone number to confirm receipt of your kit before your login is activated.

The first time you log in to Rabobank Internet Banking you are required to change your PIN. Ensure that you are using the correct PIN.

If you have forgotten your Username or PIN, or wish to change your PIN at any time, please call our Client Services Unit on 0800 500 933 or +64 4 819 2783 if calling from outside New Zealand. 

Our Rabobank Internet Banking provides secure access to your accounts online.

• View up-to-date details of your accounts including account summary, transaction history (for up to 3 months on some accounts), current interest options and electronic copies of your statements.
• Request transactions (subject to cut-off times) and make enquiries 24 hours a day, 7 days a week.
• Make payments from your accounts to nominated or third party accounts.
• Set up your own payee lists for use across all accounts to which you are linked.
• Transfer funds between your accounts (subject to cut-off times).
• Book fixed interest rates up to 10 business days in advance on some loans.
• Import and export payment files from your financial management software.
• Make temporary principal reductions on some loan accounts.
• Enquire about your accounts via our secure Mail service.
• Manage your own Delegated users including "two-to-sign" transaction functionality.
• Impose restrictions on your own Delegated users.

If you have forgotten your Username or PIN or wish to change it at any time please call our Client Services on 0800 500 933 between 8am and 5.30pm Monday to Friday (or +64 4 819 2783 if calling from outside NZ)

Please call our Client Services Team on 0800 500 933 (or +64 4 819 2783 if calling from outside NZ)

Our Rabobank Internet Banking can be used 24 hours a day, 7 days a week subject to availability of the system (eg. Internet outage, maintenance outage etc) and availability of your ISP connection.

SWIFT Code for NZ is RABONZ2W

You may request a transaction at any time but the applicable cut-off time will affect the date on which the transaction is processed. Current cut-off times from Monday to Friday, excluding public holidays, are:

8:45pm for Payments, Transfers, Direct Debits and Batch Payments. Interest Rate Bookings need to be requested prior to 6:00pm and transfers between your Rabobank accounts will be processed up to midnight on the day they are requested.

If you have a problem accessing the Internet, you should contact your Internet Service Provider (ISP) or software manufacturer. If you can access other internet sites but are having problems with Rabobank Internet Banking, please call our Client Services Team on 0800 110 105 (or +64 4 819 2783 if calling from outside NZ).