Rabo Direct Connect (RDC)

With Rabo Direct Connect (RDC) Rabobank offers a host-to-host solution that enables a direct connection of personal ERP packages with the bank.

Our offer

“Reduce risks and expenses with the automation of your cash management”

Without any manual intervention, RDC enables you to transfer large payment batches through a single channel, without the necessity of installing any local bank-specific software.

With easy implementation it further reduces risks and expenses and facilitates the automation of your cash management activities. In an entirely automated environment Rabobank supports the sending of SEPA and World payment orders and acceptance of status-and reconciliation information from and towards the corporates ERP system, TMS or Corporate Payment Hub.

Security

As security is of upmost importance, RDC utilizes a SSH file transfer protocol (sFTP), which is protected with the use of certificates. The files of payment further contain signatures that are checked at several stages of the process and have the possibility to be encrypted. The transaction files are handled quickly through straight through processing (STP) without the need of an extra user interface/electronic banking system.

Interested?

If you are interested or have any further questions after reviewing the information, please contact your account manager or your designated contact person at Rabobank.

Business Terms & Conditions - Rabobank

Brochure Rabo Direct Connect

Announcements

For transfers to Canada, Canadian banks check whether the beneficiary's full name, address, place of business and country name (or country code) are present and the national bank code of beneficiary’s bank. It is necessary that you enter this information when transferring to Canada. If the information is missing, the transfer will be rejected by Rabobank or by the foreign bank which may lead to delay and extra charges. Providing P.O. Boxes are not permitted.

For general information about the tags and fields, please see our format descriptions on our webpage www.rabobank.com/swift

Initiation via ISO20022 XML format pain.001
When you make a transfer via the Generic Payment File (pain.001.001.03 or pain.001.001.09), the following tags are mandatory.

For providing beneficiary details at least the following must be present:

CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/Nm
CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/PstlAdr/StrtNm
CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/PstlAdr/PstCd
CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/PstlAdr/TwnNm
CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/PstlAdr/Ctry

CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/Nm
CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/PstlAdr/Ctry
CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/Cdtr/PstlAdr/AdrLine (max 2 lines)

For providing national bank code beneficiary’s bank at least the following must be present:

CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/CdtrAgt/FinInstnId/ClrSysMmbId/ClrSysId/Cd (value must be CACPA)
CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf/CdtrAgt/FinInstnId/ClrSysMmbId/MmbId (fixed length is 9 numeric)

Providing details of beneficiary via MT-message
When you make transfers via MT101 or MT103, the following option fields are required.

For providing beneficiary details at least the following must be present:
Field 59(F): at least 2 address lines with details to avoid delay or rejection. If letter F is used, the ISO country code must be entered immediately after the first slash '/' in the 3rd line (country and city).

For providing national bank code beneficiary’s bank at least the following must be present:
Field 57: the national bank code must be supplied as the party identifier and must be filled with //CC followed by the bank code (the bank code has a fixed length of 9 numeric).

Country requirements in general
More and more countries starting to require full disclosure of the beneficiary's name, address, place of business, country name (or country code). We therefore advise you to provide this at all times when transferring to prevent your transfer from being delayed, leading to rejection and extra charges.

In addition to the complete name and address details, additional requirements may also be imposed by a country. On the following web page you will find important information for transfers per country: https://www.rabobank.nl/particulieren/service/betalen-buitenland/betalingsinformatie (only available in Dutch language)

Please check the web page regularly for updates of country information because of new developments.

Contact

For technical questions regarding RDC, please contact Support Payment Applications.
This support team is available on working days from 08:30 to 17:00 CET.
📞 (+31)887271161
📩 onlinebankingsupport@rabobank.nl

For changes to your RDC agreement, please contact your Transaction Banker.
This includes, for example, adding accounts, updating reporting settings, or changing your SSL/PGP key.

Product details

We advise you to thoroughly read the Rabo Direct Connect Manual found below. The manual is updated regularly, so please ensure you always use the latest version.

The sections below contain necessary downloads for RDC such as the format descriptions, public keys, example files and XSD files.

Manual Rabo Direct Connect