What is the Rabobank All-In-One Account?
The Rabobank All-In-One combines a transaction/savings facility and a revolving line of credit into a single account — which is what makes it tricky to set up in Figured, as it doesn't fit neatly into either a bank account or liability category.
Why Figured can't accommodate it cleanly
Figured's account types are built around a clear distinction — something is either a bank account (part of your cash position) or a liability (part of your balance sheet). The All-In-One sits across both categories, and the interest calculation is more complex than Figured currently supports.
Your two options
Setup option | What works | Limitation |
Bank account | Flows into your opening and closing cash balance | Won't clearly show what's in the bank portion vs what's drawn on the facility. Misleading when the account is in debit. |
Liability | Better for most setups. The loan/facility component is represented correctly. | Your bank balance portion will be included in the liability on your balance sheet, which may not accurately reflect your true position. |
Workaround
Whichever option you choose, your financial position in Figured won't be a fully accurate reflection of your actual All-In-One balance. Additionally, interest will need to be calculated and entered manually in the Planning Grid, as Figured can't automatically calculate interest on an overdraft or liability account efficiently.
Known limitation: This is a limitation we're aware of and it's on the radar for improvement, we have a feature request raised for it already.
Need a hand getting set up?
Reach out via the green chat bubble inside Figured and our support team will help you choose the best option for your situation.