To make payments to another financial institution's account using Internet Banking you will need to provide the following payee information:

• Bank and branch number
• Account number
• Particulars, code and payee reference information
• Amount

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)

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.

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.

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

To make a transfer to a third party:

1. Select the payee in your payee list or click on ‘Pay a new payee’
2. Select the account you want to make the payment from
3. Enter payee and payment details including particulars, code, reference/li>
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.

Cut off times for payments

Payments confirmed before 8:45PM NZT on any business day in New Zealand will be processed on the same business day. Note: Recurring payments need to be approved the business day before the next payment is due.

Please allow up to 2 business days for payments to be processed by the payee’s bank.

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

You can add a Payee by:

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

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

Enter in the following information for the new payee:

1. 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 or click on ‘Pay a new biller’
2. Select the account you want to make the bill payment from
3. Enter in payee and payment details including 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’, selecting ‘Billers’, and then clicking on ‘Add a biller’
2. Clicking on ‘Pay a bill’ then ‘Add a biller’

To add a new biller:

1. Enter in the new biller’s 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 for international transfers. 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.

Your Rabobank Internet Banking registration kit includes an explanation of the registration process.

You will be asked to call us (details will be within your registration kit) to confirm receipt of your kit before your login is activated.

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
     c. Edit payments
     d. View payments either not approved or failed- with the option to resubmit

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 the same day (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.

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. Please note: you can select whether you are allowed to amend references. This option should be ticked if you would like the ability to edit the particulars, code and reference details
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.
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 full users.

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 (date the fixed rate is to take effect)
   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

When can fixed rate bookings be requested?

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.

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.
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.

You can download the Rabobank Internet Banking conditions of use here.

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

Here you can request to stop paper statements.

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

The request will be sent to the Client Services team.

The SWIFT Code for NZ is RABONZ2W.

Note, Rabobank New Zealand does not accept international transfers into Rabobank Online Savings accounts.

Using our Internet Banking you can export a transaction list from your computer to financial management software.

You can also import payments and batch templates from financial packages as above to your computer.

Export files produced have multiple format types available including Bar Delimited or CSV (opened with spreadsheet software) and QIF or OFX (opened by specialist software).

Batch payment or import files must be in an ABA format.

Fixed rates can only begin on business days:

Fixed rate bookings can be requested at any time (i.e. 24/7).

•There is no limit on when a request can be made
• However, if requested on a non-business day (or after 6pm on a business day) – the minimum start date will default to the next business day.

Users can request fixed rate bookings to be confirmed for up to 10 business days in the future using that days rate.

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 contact our Call Centre on 0800 500 933 (between 8am and 5.30pm Monday to Friday) or +64 4 819 2783 if calling from outside NZ.

Ensure that you are entering the correct username and passcode [PIN + token ID], remembering that the token ID is different each time you log in.

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 contact our Call Centre on 0800 500 933 (between 8am and 5.30pm Monday to Friday) or +64 4 819 2783 if calling from outside NZ.