Rabobank

Universal bank · Utrecht, Netherlands

Rabobank is a Dutch cooperative bank without shareholders, with more than 48,000 employees in 34 countries. In the Netherlands it is a full retail and business bank; abroad it focuses on food and agriculture, with banks in Australia, New Zealand and Brazil and branches in New York, London, Singapore, Hong Kong and Toronto. It reported net profit of EUR 2,694m and a CET1 ratio of 20.2% for the first half of 2026, against a CET1 ratio of 20.3% at end-2025. Dutch prosecutors are prosecuting the bank for anti-money-laundering failures between 2016 and 2021.

Legal name: Coöperatieve Rabobank U.A.
Regulated by: ECB (Single Supervisory Mechanism), De Nederlandsche Bank (DNB), AFM (Netherlands), APRA (Rabobank Australia), Reserve Bank of New Zealand, OSFI (Canadian branch), Central Bank of Brazil
Licence confirmed: yes, on a regulator's own list
Established: 1895
Website: www.rabobank.com

Scores, 0 to 10

8.5Financial strength & stability

CET1 20.3% at end-2025, rated A+/Aa3/AA- stable, not a G-SIB; ongoing criminal prosecution for AML failings · source

8.0Europe (EU, EEA, Switzerland)

Dominant Dutch business bank with EUR 375.1bn of Domestic Retail Banking deposits and EUR 293.0bn of domestic lending at 30 June 2026, but EU presence outside the Netherlands is wholesale and food-and-agri focused · source

7.0Trade, manufacturing & import-export

Global Trade & Commodity Finance team specialised in agricultural commodities, endorsing the ICC Principles for Sustainable Trade Finance in November 2025 · source

6.5Lowest fees

Zakelijke Rekening from EUR 9.95 per month; Rabo ZZP Rekening has no fixed fee and costs EUR 0.39 per euro transaction · source

6.5Fast digital onboarding

Zakelijke Rekening can be opened directly online with a KVK number; Rabo Startersvoordeel gives six months free euro payments to companies registered under one year · source

6.0Asia-Pacific (SG, HK, AU, JP, KR)

Rabobank Australia Limited is an APRA-regulated ADI, Rabobank New Zealand is an RBNZ-registered bank, and there are branches in Singapore and Hong Kong · source

6.0Cross-border payments, FX and multi-currency accounts

International payments cost EUR 8 plus 0.1% (min EUR 8, max EUR 35) under OUR charging and card FX surcharge is 1.40% Rabo Business Banking Pro with accounting links, wholesale branches in New York, London, Singapore and Hong Kong, and USD 25bn New York commercial paper programme · source

6.0Online businesses: e-commerce and SaaS

Rabo SmartPay with Rabo Onlinekassa (EUR 10 subscription, free six months for starters), Rabo Pinbox and Rabo SmartPin for merchants Rabobank gives starters 6 months of free accounting-software link and euro transactions, but no API or USD receiving account for software firms is published. · source

5.5Startups & VC-backed companies

Rabo Startersvoordeel: six months free business payments, free liability insurance and a Startersdesk for companies under one year old · source

5.5Business cards (Visa, Mastercard)

Rabobank's business account includes a Mastercard business debit card with card number and CVC for online payments, at EUR 0 or EUR 9.95 a month depending on the account; a separate credit card page was not found. · source

5.0United States

New York branch plus Rabo AgriFinance corporate and agribusiness lending, with a trade and commodity finance team in New York · source

4.5Latin America, Africa & South Asia

Banco Rabobank International Brasil S.A. is regulated by the Central Bank of Brazil, with offices in Chile, Argentina, Peru, Mexico, India, Kenya and Uganda · source

4.5Fintech companies that need a partner bank

No public safeguarding or BaaS offer for payment institutions; Rabobank joined Dutch PSPs including Adyen and Mollie in the Wero rollout in 2026 · source

4.0United Kingdom

London branch of Coöperatieve Rabobank U.A. serves wholesale and food-and-agri corporates; no UK business current accounts · source

4.0Canada

OSFI-regulated Canadian branch in Toronto serving corporate and agri clients · source

4.0Crypto-friendly bank

No public policy found; Rabobank allows customers to transfer funds to regulated exchanges but offers no crypto services or accounts for crypto firms · source

4.0Best interest on business balances

Rabo BedrijfsSpaarRekening pays 1.40% up to EUR 20,000 and 1.20% between EUR 20,000 and EUR 100,000 since 14 July 2025; the current account pays 0.00% · source

4.0Foreign-owned & non-resident companies

Opening a Rabobank business account online requires a Dutch KVK number and answering questions about the business; no path for owners or companies abroad is published. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex clients was found on the Rabobank pages opened today. · source

3.5Bitcoin

Since December 2025 Rabo Zelf Beleggen clients who pass a knowledge and experience test can buy a bitcoin ETP, which is price exposure only and aimed at private investors; no bitcoin custody or transfers exist. · source

3.0On-ramp: buy crypto with fiat

A 2023 appeal ruling records that Rabobank's policy since 2018 was to keep no business relationships with companies active in virtual currencies and that it made a business client stop buying bitcoin; private clients can pay exchanges, but a July 2026 Kifid ruling upheld its block of a EUR 7,000 payment to Kraken on a fraud signal. · source

3.0Off-ramp: crypto to fiat in a business account

Rabobank says it may ask clients investing in crypto for proof of origin, including wallet screenshots or public keys, and the same court record shows a business client forced to sell its bitcoin in 2019; no current business policy is published, so the evidence is dated. · source

2.5Stablecoins (USDC, USDT and others)

Rabobank joined the Qivalis euro stablecoin consortium in May 2026 and the 21-bank US dollar stablecoin venture in September 2026, but neither token is live and Rabobank offers no stablecoin service today. · source

2.0Customer satisfaction

Trustpilot TrustScore 1.4 from 2,275 reviews for rabobank.nl · source

1.0Crypto wallet and custody for a business

Rabobank holds no crypto for any client; its only crypto product is a bitcoin ETP in the Rabo Zelf Beleggen investment account, and no wallet or custody exists on its business pages, checked September 2026. · source

1.0Accept crypto payments

No merchant crypto or stablecoin acceptance was found; Rabobank's virtual currency page covers risks and its anti-money-laundering checks only, checked September 2026. · source

1.0Ethereum

Rabobank offers only a bitcoin investment product and no other cryptocurrency, including ether, as reported in April 2026 and checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.