Transaction Banking
Optimise your risk and liquidity positions with a full range of sophisticated tools via Rabobank Transaction Banking. Transaction Banking includes trade finance solutions, cash and liquidity management services and applications to provide you with (online) real-time insight into your financial position and risk exposure.
Key Value Adds of Transaction Banking
You will have direct availability to advisory services from our experienced consultants and subject matter experts. Together with our Corporate Lending product colleagues we provide full range of working capital solutions. Everything is designed to enable you to focus on your core business.
Our key values adds are:
Our products and services
Rabobank offers various channels for the exchange of debt collection and refund files and digital account information.
Rabo Business Banking
RBB gives you the opportunity to arrange all your business transactions online. In addition to being able to easily execute payments and collection orders, you always have the most up-to-date information about payments and receivables and account balances.
Rabo Direct Connect
With RDC you will have the possibility to carry out payment transactions in a fully automated manner. Manual actions outside the ERP system are reduced to an absolute minimum and transactions can be processed via one channel, without having to install bank-specific local software. An RDC connection runs via the so-called sFTP protocol. Through this protocol, the security of transactions and information is guaranteed. Files are provided with a SHA-256 hash that is encrypted with a certificate. This establishes authorization and integrity.
SWIFT for Corporates
When connected to SWIFT for Corporates you have access to various banks via your ERP software or Treasury Management System. No need anymore to adapt your processes, file formats and/or systems to different packages for electronic banking.
Rabobank offers two types of service:
Rabo eTrade
Via the digital platform Rabo eTrade you can arrange all your Trade affairs at any time and in a way that suits you and your organization. This way you not only always have insight into (the status) of your Trade products via the dashboard, but you can also set up the dashboard based on your preferences and information needs.
As a company with multiple branches or subsidiaries at home and/or abroad, it is important to manage your cash flows well. This way you can optimally use your liquidity and reduce your financing needs. With cash pooling you automatically manage the balances of your accounts with Rabobank and other banks.
Balance and interest compensation (notional pooling)
With notional cash pooling, no physical transfers take place and the balances of participating accounts in the pool remain in the account. These balances are added together to calculate an optimal interest rate so that an overdraft is avoided or kept to a minimum.
Cash concentration
In cash concentration, balances on multiple accounts are automatically concentrated on one main account and/or cleared from their main account. As a result, you pay less debit interest and you can get more out of your credit funds. You decide for yourself what amount should remain on the account(s).
Multibank Cash Concentration
The goal of MBCC is to facilitate efficient cash and liquidity management. With this automatic cash concentration service, Rabobank physically transfers the credit balances from cash pool accounts with another bank to the central account at Rabobank in the Netherlands. The debit balances on accounts with other participating banks can be replenished from the central account by an automated physical transfer. The transfers are made on the basis of variables that have been determined jointly.
You’re always looking for new ways to develop your company, innovate and make it grow. One way to do that and serve your customers even better is by linking your operations to our financial products and services. Find out how our Banking as a Service solutions offer added value to your company.
Rabo Payment Request API
Use the Rabo Payment Request API to request payment request links (URLs) from Rabobank from your own software application (for example a boekhoud package). These links can then be sent, accompanied by an invoice. This way you can integrate the creation and sending of payment links into the billing process.
Rabo Business Account Insight (BAI) API
Rabo Business Account Insight API is part of 'Rabo BoekhoudKoppeling'. Receive account information from your customers with a Rabobank Business Account.
It is possible via this API to retrieve account, balance and transaction information.
Rabo Direct Debit (BDD) API
The Business Direct Debit API is part of 'Rabo BoekhoudKoppeling'. With The Business Direct Debit API, your customers with a Rabobank business account can deliver batches of SEPA direct debits from your application to Rabobank. The API can be used via your web service to optimize the customer journey. To send SEPA direct debits, you first need a request from the account holder.
The status of the SEPA direct debits submitted can be requested via the status request endpoint that provides a PAIN.002 file.
Business Bulk Payment Initiation (BPI) API
Business Bulk Payment Initiation API is part of 'Rabo BoekhoudKoppeling'. With the Business Bulk Payment Initiation API, your customers with a Rabobank business account can deliver bulk payments from your application to Rabobank. The API can be used via your web service to optimize the customer journey.
Rabo Smart Pay
Rabo Smart Pay is a modular system in which both offline and online payment solutions can be integrated. You decide how and when payment solutions are added to the dashboard and once added you remain in control of the applications. With Smart Pay there is the possibility to integrate internet, mobile and physical store payment solutions. Payment is always the next day and everything is shown in one clear Rabo Smart Pay Dashboard.
Rules & Regulations
The Digital Operational Resilience Act, also known as DORA, is an EU regulation that focusses on strengthening the IT security of financial entities and making sure the financial sector in Europe is able to stay resilient in the event of a severe operational disruption.