Credit transfer

Pay as you like

At ABN AMRO you can pay as you like: from standing orders and urgent payments to foreign money transfers.

SEPA Credit Transfer

SEPA credit transfers are used within the Netherlands and other SEPA countries. You can use single transfers or batch transfers. SEPA credit transfer batches are delivered by you in the PAIN (XML) file format. You need not maintain separate accounts for transfers in and to other SEPA countries. All you need is your ABN AMRO account in the Netherlands.

Superfast payments
Credit transfers are being sped up. Some SEPA credit transfers can be credited to a recipient's account within seconds: every day of the year and at any time of the day, including evenings and at the weekend. This applies to 'single' transfers you input manually via Internet Banking or Mobile Banking, provided the recipient's bank co-operates. The following message will then appear in the summary of the entry: 'With the recipient: immediately'. If the recipient's bank does not yet co-operate, you will see: 'With the recipient: within 1 working day'. Credit transfers between two Dutch ABN AMRO accounts are always credited to the recipient's account immediately.

What does it mean for you?
In the spring of 2019 most of the Dutch banks will start making superfast payments. More and more of your customers can see that a credit transfer into your account will be credited within a few seconds. And they expect you to be aware of that immediately. Also when they contact your customer services department during the evening or the weekend. Prepare yourself for these types of questions.

Sometimes superfast payment are not possible
Not all credit transfers can be credited to a recipient's account within seconds. For example:

  • credit transfers via Access Online or Access Direct
  • batch transfers
  • credit transfers in a currency other than euros
  • credit transfers to accounts outside SEPA
  • credit transfers to a non-participating bank
  • standing orders between two different banks
  • iDEAL transfers

File format and example files
Read more about SEPA
The SEPA Transfer Delivery Deadlines

Urgent Payments

Arrange your urgent payments online or at one of our branches. If an ordinary credit transfer can be credited to the recipient's account within seconds, it is not necessary to make an urgent payment. In Internet Banking, we check this for you automatically.

Read more about urgent payments

Standing Orders

If you pay the same bills every month, simply set up a standing order. We'll take care of the rest.

Read more about standing orders

IBAN Acceptgiro

The IBAN Acceptgiro (giro collection form) is a pre-printed payment order that you send to your customers. You need an IBAN Acceptgiro Contract to use this payment method. There are two types of contract: A/S and C.

IBAN Acceptgiro Conditions – type A/S (pdf, 816kB)
IBAN Acceptgiro Conditions – type C (pdf, 824kB)

Change digital Acceptgiros as of 9 June

Your customers often pay an IBAN-Acceptgiro through Internet Banking or Mobile Banking. This is called a digital Acceptgiro. As of 9 June 2018 digital Acceptgiros are processed as regular SEPA credit transfers.

Instruction to pay
Do you not want to use IBAN-Acceptgiro (anymore)? The Instruction to pay might be a useful tool. This helps you to clearly present the payment details on your paper or digital invoice. Read more (in Dutch) and download the templates.

Read everything about it in 'Frequently asked questions change digital Acceptgiros' (pdf, 43kB).

Foreign Payments

You can transfer money to virtually any country in the world, either in euros or other currencies.

How can I reverse a payment?

You cannot reverse a payment or standing order. You can only ask the beneficiary to return the amount.

How can I see whether a credit transfer can be credited to the recipient's account within seconds?

The following message will then appear in the summary of the entry: 'With the recipient: immediately'. If the recipient's bank does not (yet) co-operate, you will see: 'With the recipient: within 1 working day'.