How to apply for an account 

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

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 contact your Account Manager.

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

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.

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.