What Rabobank Actually Charges You
Rabobank renamed its packages in February 2026, not its habit of billing you. The credit card alone adds €24 a year, and an arranged overdraft costs you 11.9% interest.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €3.45/month | Rabo Standaard, the package that replaced the BasisPakket and DirectPakket in February 2026. The fuller Rabo Comfort package costs €6.95 per month. |
| Cards | €2.00/month | Credit card added to Rabo Standaard, bringing the total to €5.45 per month. A second debit card costs €1.20 per month extra. |
| Foreign exchange | 1.4% | Exchange rate markup on debit card payments in a non-euro currency. |
| ATM withdrawals | €0.81/withdrawal | On Rabo Standaard: per withdrawal at any ATM that is not a Geldmaat in the Netherlands, and per euro withdrawal abroad. Geldmaat withdrawals are free; Rabo Comfort waives the fee abroad. |
| Overdraft | 11.9% | Annual interest on Rabo Kort Roodstaan for facilities requested or increased after 1 April 2022, per the January 2026 tariff sheet. Older facilities pay 9.9%. |
Questions people actually ask
Rabobank merged them into Rabo Standaard in February 2026, and the TotaalPakket became Rabo Comfort. Existing packages were converted automatically.
Rabo Standaard costs €3.45 per month, or €5.45 with the credit card included. Rabo Comfort costs €6.95 per month.
Geldmaat withdrawals in the Netherlands are free. On Rabo Standaard, any other ATM costs €0.81 per withdrawal, the same as withdrawing euros abroad; Rabo Comfort makes euro withdrawals abroad free.
A 1.4% exchange rate markup on every debit card payment in a foreign currency. There is no additional fixed fee per payment.
11.9% per year for Rabo Kort Roodstaan requested or increased after 1 April 2022, according to the official January 2026 tariff sheet. Facilities from before that date pay 9.9%.
Sources
Every number above comes from the bank's own documents.
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