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Annual Withholding Tax Certificates for Rabobank Online Savings customers are now available.

Invoice scams are increasing. When receiving invoices, verify any new account numbers with the recipient over the phone using their publicly listed number, before making any payment. Please see our security page for more information.
The application process

Complete online application by clicking "Start Application" below

Your application will be reviewed to make sure we have everything we need

We will be in contact within 2 business days about your application and let you know if we require any additional information

Once your account is opened we will post out your welcome pack which contains a Digipass that you will need to use to log in.

When you start your application

You'll need to be...

  • A New Zealand tax resident and reside in New Zealand
  • 12 years or older
  • Able to manage your accounts online

You'll need to have...

  • A bank account in your name with another New Zealand bank
  • A current driver licence or passport
  • Your mobile phone by your side
  • Your IRD Number and Resident Withholding Tax rate (you can provide this later)

Please make sure you use your full legal name when applying for an account


Frequently Asked Questions

Can I open an account if I live overseas?


No. You need to be currently residing in New Zealand to open a Rabobank Online Savings account.

As part of the application process you also need to provide details of:

  • your existing New Zealand bank account with another bank in your name, and
  • a New Zealand residential and postal address.

If you move to New Zealand and can provide the documents above, you can apply for an account by clicking ‘Apply for savings account' at the top of the page.

Can I use a joint nominated account for an individual application?


Yes, as long as we can see that you are one of the account holders.

Can I use an individual nominated account for a joint application?


For Joint account applications the nominated account must be a joint account and display both nominated account holders’ names.

Can my business or trust open a Rabobank Online Savings account?


Rabobank has decided to no longer accept any new applications for business or trusts accounts through Rabobank Online Savings. Existing business customers will still be able to continue to bank with us as normal.

What if I don’t supply an IRD number or RWT rate?


If you do not provide an IRD number, we are required to deduct RWT at 45%.

In the case that you supply an IRD number but fail to select an RWT rate, then we are legally required to deduct RWT at 45%.

To update your IRD number, RWT rate, please send us a secure message.

  1. Log into Rabobank Online Savings
  2. Go to the envelope icon, located top right next to the log out button
  3. Click on ‘New Message’
  4. Provide us with the IRD number and new tax rate and send

Are you a foreign tax resident?


When you open an account with us, we will request information about your tax residency.

Rabobank has a legal obligation to collect information about our customer’s foreign tax residency, and report it to the IRD (which may then exchange that information with overseas tax authorities) under the Common Reporting Standard (CRS) and Foreign Account Tax Compliance Act (FATCA).

Without this information, we will be unable to open an account for you.

For more information download our leaflet

Read more about the CRS & FATCA on the IRD website.

How do I open an account for a child?


Go to our online application form and select ‘Children’ and follow the instructions.

When opening a children’s account we will need to identify both the authorised signatory and the child. We offer the option to have the identity of the authorised signatory electronically verified, but we will need to receive certified identity documents for the child. Look out for the checklist at the end of the online application.

What identification is needed to open a children’s account?


We will need to identify both the authorised signatory and the child. If you are an existing customer, please select this on the form as you are already identified.

For authorised signatories who is not an existing customer they can:

  • choose to be electronically verified using their passport or driver licence details, or
  • provide certified identity documents (photo ID and residential address evidence).

Electronic verification isn’t always successful, so they may still need to send certified identity documents. You will receive a checklist at the end of the online application confirming what is needed.

For the child, we will need:

  • A certified copy of their identification (passport or birth certificate)
  • Residential address evidence (for example IRD letter, or existing bank statement)

See our Identity Verification Checklist for some options of what to send and who can certify documents for you.

What if the child doesn’t have an IRD number?


You can still open an account for the child, but the Resident Withholding Tax rate will be set at the maximum rate of 45%.

Once the account is open, you can call us or send a secure message with the IRD number and tax rate.

To do this:

  1. Login to your Rabobank Online Savings account.
  2. Send us a secure message, by clicking on the envelope icon top right hand side of page.
  3. Create a message and send us the IRD number for the child’s account.